Facebook’s Messenger app has allowed users to send money to friends using debit cards since last spring. Facebook may be considering a move into the retail payments space as well, following in the tracks of Apple, Samsung and Google. Facebook will need to be careful not to simply become yet another channel for criminals, security experts say. Security experts recommend the use of two-factor authentication for money transfers, especially when they come too frequently or are for high dollar amounts. Facebook could strengthen the registration process via additional identity verification, but that would require collaboration with the issuing banks.”]