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      "text": "1. Next generation point-of-sale solutions\n2. Increased value-added merchant service offerings\n3. Peer-to-peer (P2P) payment solutions and digital wallet\n4. Alternative retail-payment networks and fund-transfer solutions\n5. Proliferation of international/cross-border transfer platforms\n6. Simplification of online-checkout experience\n7. Consumer protection from identity theft, fraudulent transactions and account falsification\n8. Increased push for faster payments\n9. Contactless technology for digital wallets\n10. Blockchain",
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