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Pinelabs IPO Leaves IOU for Dust, page-50

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    In a way this is pretty smart on Apples behalf - the recognition that the phone is starting to be used as a replacement for debit cards, in a big way.

    But I'm fairly certain it won't have much of an effect on the Malay cashless economy, not as it relates to IOU

    https://hotcopper.com.au/data/attachments/4413/4413593-1755b6513a45839646b6dfe3101956db.jpg

 
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