Toss, which launched on February of 2015, allows users to send and receive money in a matter of seconds. It condensed the complex authentication process into three simple steps; with Toss, users can send money just by filling in the recipient’s bank account, transfer amount, and password. The service has become widely received by the millennium generation as it is continually improving its user-friendly features such as fingerprint recognition and alerting users of to suspicious bank accounts.

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