Since
the start of the crisis in early 2020, digital transactions have surged,
particularly in e-commerce and digital banking. In contrast with face-to-face
transactions, such as a direct payment of cash in exchange for a product or
service, digital financial transactions typically require an intermediary, such
as a credit card agency, payments processor or bank. This intermediary slows
the process and, naturally, adds a cost to the transaction. https://youtu.be/kUG34NhXEps
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