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Founded in 1852 during the California Gold Rush, Wells Fargo was an innovative start-up providing miners secure ways to access money and transport valuable cargo — even operating the western branch of the Pony Express to give customers the fastest possible service. In the 1990s the company once again was a pioneer in financial services innovation when it became the first US lender to provide online banking. Eventually, however, the company started to fall a bit behind the technological curve....