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Apple and Google compete over privacy versus integration, but both systems aim to completely replace physical wallets. While giants improve security, fintech platforms offer more flexible conditions for quick settlements.For example, PalmPay https://palmpay.pissedconsumer.com/review.html attracts users with low fees, but reviews indicate the risks of blocking funds and delays in support. Comparing such services with global standards helps you find a balance between convenience and security of your money.