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  1. Difficulty in understanding and predicting currency fluctuations
  2. High transaction fees charged by banks and other financial institutions
  3. Delays in processing international payments
  4. Lack of transparency in exchange rates
  5. Limited options for exchanging currencies in remote locations
  6. Risk of fraud or scams in online currency exchange platforms
  7. Complicated regulatory requirements for foreign exchange transactions
  8. Inconvenient operating hours for exchanging currencies at banks or exchange offices
  9. Language barriers when communicating with foreign exchange service providers
  10. Limited availability of certain currencies in exchange offices

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