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Provide 3-5.threats that can negatively impact the companies in the MOBILE FINANCIAL TECHNOLOGY industry (like Gash, Paymaya, for example) and the INDUSTRY as a whole

Provide 3-5.threats that can negatively impact the companies in the MOBILE FINANCIAL TECHNOLOGY industry (like Gash, Paymaya, for example) and the INDUSTRY as a whole and explain each threat. Please give FULL sources

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