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  "documentTitle": "2025 Investor Day Seg1",
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      "text": "Key Drivers: Tap to Pay, Digital commerce, Winning vs. local schemes, New payment pools, Issuer wins",
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      "text": "Note: 1. Reflects cash & check volume as a percentage of addressable consumer spend as of CY23. The country-specific consumer payments volume growth delta above the country-specific addressable consumer spend represents the difference in the CY19-CY23 CAGRs for each metric. See Appendix for more detail.",
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