In the decade or so since mobile money services appeared on the scene, they have gained a significant role in the global economy. The continued digitization of commerce, particularly with the launch of Amazon and other online marketplaces, made mobile money use among the general public even more common. These services became even more popular during the coronavirus pandemic as online purchases, home deliveries and curbside pickups became the norm.

Mobile payment systems have fundamentally changed financial transactions between businesses and their customers. The proliferation of mobile smartphones in…

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