What do you get when you combine the billions of social network users with a frictionless payments? If Facebook is right, it could be the largest global retail bank by integrating the Novi Digital wallet with it's extremely large user base. What is Novi? Well first it’s a rebrand of their original concept, Calibra. That concept was for a digital cryptocurrency wallet that is integrated into all Facebook products. According to their press release, Novi has evolved to a standal