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Mobile banking is a service provided by a bank or other financial institution that allows its customers to conduct financial transactions remotely using a mobile device such as a smartphone or tablet. Unlike the related internet banking it uses software, usually called an app , provided by the financial institution for the purpose. Mobile banking is usually available on a hour basis. Some financial institutions have restrictions on which accounts may be accessed through mobile banking, as well as a limit on the amount that can be transacted. Mobile banking is dependent on the availability of an internet or data connection to the mobile device.
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Messaging apps a. Many such apps have developed into broad platforms enabling status updates, chatbots , payments and conversational commerce e-commerce via chat. They are normally centralised networks run by the servers of the platform's operators, unlike peer-to-peer protocols like XMPP. The popularity of certain apps greatly differ between different countries. Certain apps have emphasis on certain uses - for example Skype focuses on video calling , Slack focuses on messaging and file sharing for work teams, and Snapchat focuses on image messages.
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