An interesting thing came to light in the US just before Christmas last year. The Consumer Financial Protection Bureau accused Walmart of acting to the detriment of Suppliers working for the Spark Platform (which belongs to Walmart). The point is that the Platform forced over a million of its employees to receive their salaries only to accounts set up in the Branch financial platform. And in order to use the money they earned, they had to transfer it to their own accounts in other banks. In this way, Branch earned over $10 million! Additionally, access to these accounts was difficult, which led to delays in salary payments of up to weeks.
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