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  "documentTitle": "Banking: The future is back",
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      "text": "If you can’t, ask who can. Consider partnering with non-banking companies such as retailers, telecoms and even big tech to embed banking in their offerings to serve new segments. For example, Standard Chartered has partnered with the Indonesian e-commerce platform Bukalapak to launch BukaTabungan, a digital banking platform designed to serve over 110 million users and 20 million business owners within Bukalapak’s ecosystem, including those in the underbanked segment. The cost of acquiring clients to this platform is only 1% of the equivalent cost incurred by conventional branches.12",
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      "text": "Leverage advances in generative AI to become your customer’s best advocate and make interactions more relevant, accessible and efficient for all, large and small. Cleo, a generative-AI-powered money management tool, achieved $150 million in annual recurring revenue last year by helping its 7 million customers develop better financial habits.11",
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      "text": "Shift your mindset. Instead of dismissing small or challenging segments, ask “how could we help them?” Square was founded in 2009 to enable small businesses to accept card payments, addressing a market that many banks deemed unprofitable at that time. In FY23 it processed 4 billion transactions for more than 4 million businesses. It has created a cohesive ecosystem of integrated software, hardware and financial services.10",
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      "text": "What do we expect by 2030?",
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