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Fintech apps now offer remittances at a fraction of the cost of banks, with faster settlement and better FX rates.
https://griffinosvya.ageeksblog.com/37283362/low-fee-international-remittance-australia-is-rapidly-changing-how-people-send-money-abroad-as-customers-demand-cheaper-faster-and-more-transparent-ways-to-send-money-overseas