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Which are the following is NOT considered FinTech by most definitions? O a. An SMS-based tool to transfer money abroad with relatively low fees O

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Which are the following is NOT considered FinTech by most definitions? O a. An SMS-based tool to transfer money abroad with relatively low fees O b. The securitization of mortgage-backed securities Oc. A mobile application that provides a low-cost way to invest in shares Od. An online platform to borrow money without a commercial bank Oe. A decentralized platform to crowdfund projects and start-up funding

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