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According to Chapter 10 (Conclusion: Roadmap to Bank 4.0) in the Bank 4.0 textbook, what does the author (Brett King) say is the ultimate frictionless

According to Chapter 10 (Conclusion: Roadmap to Bank 4.0) in the Bank 4.0 textbook, what does the author (Brett King) say is the ultimate frictionless banking engagement? Question 3 options: 1) Mobile payments. 2) Voice banking. 3) An experience that helps you save. 4) ATM access

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