CF1 4.76% 2.0¢ complii fintech solutions ltd

They don't simply claim that they will reduce costs by 40%. As...

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    They don't simply claim that they will reduce costs by 40%. As per past announcements, they will contractually guarantee to reduce costs by 40% or more - contractually. All the other stuff you said have responses which you will find in past announcements too but probably too much effort and detail for you by the sounds of it.
 
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