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1) What is the loss to Visa if Zelle, a P-2-P service provider, continues expanding at the rate it has been, cutting into Visa's market

1) What is the loss to Visa if Zelle, a P-2-P service provider, continues expanding at the rate it has been, cutting into Visa's market share?

2) Explain how the banking system works for handling transactions, where the fees are, and why they like Zelle?

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