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Lily recently downloaded an app. The app allows her to make payments both online and offline. She also uses the app to connect and chat

Lily recently downloaded an app. The app allows her to make payments both online and offline. She also uses the app to connect and chat with families and friends. She likes that the app has other value

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adding services such as investing and paying utility bills.

Which of the following best describes the type of app that Lily downloaded?

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