We all use applications on a daily basis. Select an

We all use applications on a daily basis.  Select an application (it has to be one that involves transactions like banking, shopping, booking, etc.) that you use frequently and describe it.  If you have not used one, select and research an application that interests you.  What are some pros and cons associated with the use of that application, from the end user’s and retailer’s perspectives?  
In response to your peers, expand on two of your peer’s responses. 

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