SAN FRANCISCO–Cash isn't just some crude means used by the unbanked; affluent bank customers use it as well. To encourage spending among banked consumers, PayPal Inc. is expanding the ways consumers can fund their accounts with bills and coins.

Today, there are two ways to do it. The newest method relies on Coinstar Inc.'s kiosks to allow consumers to deposit coins directly into a PayPal account. Though this feature was announced just last month, there already are clear trends emerging in how Coinstar machines lead to more spending.

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