Software companies in finance get about a 2~5 year head start and then: https://techcrunch.com/2017/06/12/zelle-the-real-time-venmo-competitor-backed-by-over-30-u-s-banks-arrives-this-month/ …
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I wonder whether Apple's solution will turn out to be more popular simply because it's built into iOS?
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surely said business plan should have being bought by the dinosaurs as the end game?
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