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

nting to fall behind, Google just re-launched its Google Pay app.</p> <h4 style="font-size: 17px; height: 100%

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