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You're very correct! Regarding online: Transferwise is interesting but a little cumbersome to based on business model. Remitly is cool, but for now only servicing the Philippines (very competitive). Xoom also does great stuff, and will continue to grow. Western Union and MoneyGram both have online offerings but have substantial room for improvement.

Look for additional players to enter. We're soon launching WireCash, essentially "Expedia for Money Transfer". We've partnered with many of the existing players to offer their services online in one central location for consumers. Want to empower consumers with choice, freedom, and options, as well as great/competitive service.



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