Refer & earn apps are a popular option for customer acquisition and reward earning because they provide a win-win situation for businesses and users alike. Referyono sbi app and earn apps have a lot of advantages, but there are also some possible disadvantages to take into account: 1. Saturation: As more businesses implement refer and earn policies, users may become overloaded with requests for referrals from various sources, which could wear them out and reduce the programs' efficacy. 2.