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Financial
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                                                                                                                                                                                            ITU-T Focus Group

                                                                                                   International
                                                                                             Telecommunication                                                               Digital Financial Services
                                                                                                        Union
                                                                                               Place des Nations
                                                                                             CH-1211 Geneva 20                                                                                      Recommendations
                                                                                                    Switzerland


                                                                                          ISBN: 978-92-61-24321-0




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                                                                                             Printed in Switzerland
                                                                                                   Geneva, 2017
                                                                                           Photo credits: Shutterstock
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