Introduction
Digital channels are the primary way to start consumer and business engagements by providing accessibility to a global audience and a cost-effective means to conduct business. In recent years, organizations augmented their business services with third-party functions, such as Google Maps, to combine geolocation data and mapping tools that help a mobile user find the closest store or branch. More sophisticated services are emerging in these apps that allow consumers to transfer money to friends and colleagues based on their social media ...

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