1) easier p2p transfer built into apps they have already installed on their devices 2) international transfers are instant and low-cost 3) applepay, venmo and

1) easier p2p transfer built into apps they have already installed on their devices 2) international transfers are instant and low-cost 3) applepay, venmo and paypal are made for the developed markets. this one targets similar markets where Vodafone has its m-peso