This makes it possible for businesses to reach new audiences & demographics through user-generated recommendations. Refer and earn applications, in general, have a lot to offer businessessatta king com chart and users alike, which makes them an effective tool for gaining new clients and collecting rewards. Referral oversaturation. Refer and earn apps are becoming more and more popular, and this may cause some users to feel that their social networks are overloaded with referrals. As a result, referrals may become less effective since people may grow numb to marketing offers.