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Using electronic check conversion primarily benefits the transaction process through improved speed compared to traditional paper checks. When a physical check is converted into an electronic form, it can be processed much more quickly, allowing for faster payment processing and reduced time for funds to be available in the recipient's account. This efficiency is particularly crucial in today’s fast-paced business environment, where timely transactions can significantly impact cash flow and business operations.

The other options do not accurately reflect the benefits of electronic check conversion. For instance, physical checks are still tracked in the electronic conversion process, and the infrastructure is not removed; rather, it may require some digital capabilities to facilitate electronic transactions. Additionally, while any financial transaction system carries some risk of fraud, electronic check conversion often includes security measures that can help reduce such risks rather than increase them.