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    Understanding the meaning of emoji in mobile social payments: Exploring the use of mobile payments as hedonic versus utilitarian through skin tone modified emoji usage
    “.... This is particularly important as new forms of social payment platforms such as Venmo bridge the seamlessness of mobile...”
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  2. 2
    Future of Payment Platforms
    by Youssefzadeh, Salim Benjamin
    Published 2014
    “... is lagging behind other countries in credit card security. Digital wallets like PayPal, Venmo, Square, etc...”
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