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Navi wants to increase its reach and draw in new clients by utilizing word-of-mouth advertising through its user base. Users who share their positive experiences with others create a sense of community through the Refer and Earn program, which also contributes to the growth of the user base. Navi's objective of increasing financial services accessibility for a wider audience is in line with this strategy. Utilizing a special referral link or code that they can share with friends and family, current users of the Navi App can refer and earn.