Review this article linked here:

https://s-tikhomirov.github.io/assets/papers/mobile-wallets.pdf

Then answer these questions in the discussion post:

1) What are the strength and weaknesses can be found in this article? Give suggestion.

2) What theories can be found in this article. If no, please give at least 3 theories from other related articles to support.

3) Use the references given to make comparison between main article and related articles. (Give 3 points)

*Ignore the formula and tables