For the area of the financial services industry of which you are most familiar analyse in detail at least five issues which are currently or will in future have a major impact on this area. describe the issue , it's origins and how it is changing , the impact it is having and how to enhance the favourable impacts or mitigate the unfavourable impacts

Nextdoor is an instant messaging application for smartphones. new smartphone users find it easier to connect with friends and relatives through this mobile app when compared to other similar instant messaging applications. hence, it has the largest user base in the industry. thus, nextdoor app's value has increased primarily due to itsa. learning curve effects. b. economies of scale. c. economies of scope. d. network effects.