We all get far too much mail, especially from financial services companies.  Credit card companies alone send billions of pieces of paper mail each year, and most of that gets thrown right into the trash can.  Not only does this dynamic pose a threat from a fraud perspective – trash cans and mailboxes can be treasure troves for opportunistic fraudsters – but you have to figure the effect on the environment isn’t great either. Paper products aren’t as bad as most materials, according to North Carolina State University Professor Richard Venditti, because they’re renewable, recyclable and biodegradable and they motivate land owners to plant trees.  However, Venditti says, “inefficient use of paper does consume resources and have an impact on the environment.” While credit card direct mail is on the rise after hitting a two-year low in April 2012, long-term trends suggest a declining role for traditional paper mail in the years to come.  Not only are financial services companies increasingly offering paperless options to their account holders – even charging extra for paper statements, but they’re also learning how to better leverage digital means for marketing purposes.  These changes are largely based on the shifting preferences of the modern consumer as well as the overall technicalization of modern commerce – not some newfound corporate altruism – but does it really matter?