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ny, date night payment services etc.) may not see much traction, 4) lower conversion rates on mobile, 5) mobile conversions with 30% fee to Apple and Google Play marketplaces could negatively impact margins, and 6) international expansion may not be successful given different demographics. Upside risks to our
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nting to fall behind, Google just re-launched its Google Pay app.</p> <h4 style="font-size: 17px; height: 100%

United States
LocationCountry located primarily in North America

American multinational technology company, a subsidiary of Alphabet Inc.

Donald Trump
PersonPresident of the United States (2017–2021, 2025–present)

Microsoft
OrganizationAmerican multinational technology corporation
Marc Rich
PersonAmerican commodities trader (1934–2013)
Tinder
OrganizationSocial network and dating platform
BofA Merrill Lynch Global Credit Research
OrganizationPierce, Fenner & Smith Incorporated
Organization
Merrill Lynch Global Wealth Management
OrganizationInvestment management and financial planning service

Merrill Lynch
OrganizationAmerican investing and wealth management division of Bank of America
The Financial Service Board
OrganizationMerrill Lynch International
OrganizationMerrill Lynch Equities (Australia) Limited
Organizationthe Australian Securities and Investments Commission
Organizationthe Hong Kong Securities and Futures Commission
OrganizationMerrill Lynch Canada Inc
Organizationthe Investment Industry Regulatory Organization of Canada
OrganizationMerrill Lynch Mexico
OrganizationMerrill Lynch Argentina SA
Organization
the Financial Services Agency
Organization