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Absolutely agree Arpana that messaging apps have an important part to play both in engaging with the customer and also internally within a bank - however the likes of WhatsApp were not designed for enterprise use and are not 'secure by design' which is critical for banks - that said if banks don't provide a secure messaging solution users will turn to using consumer messaging apps for convenience and unsanctioned apps then creep into the workplace putting the business at risk - at Pushfor we have developed a secure content and messaging sharing app that was designed for enterprises, is 'secure by design' and can be hosted on premise - so enables the bank to maintain full control and be regulatory compliant thereby removing the business risk whilst also driving innovation and competitor differentiation