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      "text": "Combination of software technology and bank products\nInternational orientation – a single platform for all services\nCentralization of payment transactions from many and different distribution and procurement channels to a single platform\nOnline-oriented acquiring bank in the Group (e.g. in 18 payout currencies)\nContinuing expansion of payment acceptance services (e.g. China UnionPay)\nInnovative software-based banking products (SCP-virtual credit cards, payout cards, co-branded cards)",
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