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Innovative payment services such as Patm in India and Transfiya in Columbia would not have seen the light of day if their respective financial ecosystems hadn’t been open for new players. It’s difficult for anyone to be able to foresee what the market will demand in terms of financial services five years from now, and what will be possible thanks to rapid advancements in technology. But one thing is clear: if central banks and nations want to encourage healthy....

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