Report - MOBILE BankIng crOssrOads - LATINIA · TO THE dIgITaL WaLLET among smartphone/tablet owners Q2 2012 - Q4 2012 Q2 2012 Q2 2012 Q2 2012 Q4 2012 Q4 2012 Q4 2012 60% 50% 40% 30% 20% 10%

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