-A payment application like Venmo has provided a “free digital wallet” to the mobile device by allowing friends to connect swiftly and security via Facebook to request and send money to each other in few clicks on their phone.
-A traditional method of pay is disrupted by platform such as ApplePay and Bitcoin.
-To save on international transfer fees, individual use money transfer services such as TransferWise when sending money to abroad.
-CreditKarma offer credit risk services at zero or low cost.
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