Cams is a single mother who works three jobs. She doesn’t really have much time to manage the security of her money and just wants to rely on a regulated institution to handle it for her. She would want to put her money in _______.
Yohan needs to regularly send money abroad to support his brother’s studies. He found that using traditional remittance services costs too much money. Wanting direct and peer-to-peer services, he would want to use _____.