1. In peer-to-peer payments:

a. bank customers can transfer funds to each other via email

b. users of alternative payment networks can transfer fund to each other via email

c. credit card users can transfer funds to each other via email

d. a & b

e. a & c

f. All of the above

2. "Tokenization” replaces sensitive payment data in a mobile payment application

a. with a unique identifier or token

b. means you need a separate device to generate an account number

c. onetime generated 16 digit number

d. a & c

e. all of the above