"It's an APP people...."
Grow up child. Uber is an app, amazon is a app, APT is an app. The way things are going with banks etc closing branches, shops closing so they need no branches. They will all be soon only apps.It is happening in all areas.
To develop a App knowledge fro preset system is the starting point. Minus the parts that are not required. Apps are designed to deliver better service, in a much more efficient & cost effective way.
Ann: User growth accelerates following Android & Wealth launches, page-19
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