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ZELF researcher Olga Kazmina says money in messengers is the future of personal finance. Money in messaging apps could be a replacement for credit cards, debit, credit cards or even crypto. We will look into what makes money in messaging superior in some use cases and when they fail, what the current payment solutions for messengers are with their advantages, shortcomings and plans for development. In the 2020s it’s time to live cross-border banking makes it possible to transact to anyone in the world.