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padding: 0px;" bgcolor="#000000"> <table width="100%" align="center" border="0" cellpadding="0" cellspacing="0" style="background-color: #000000;" bgcolor="#000000"> <tbody> <tr> <td class="layout-container" align="center" valign="top" style="background-color: #FFFFFF; padding: 0;" bgcolor="#FFFFFF"> <div class=""> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;"> <tbody> <tr> <td class=" editor-col OneColumnMobile" width="100%" align="" valign="top" style="background-color: rgb(81, 81, 81);" bgcolor="515151"> <div class="gl-contains-image"> <table class="editor-image" style="min-width: 100%;" width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td align="center" valign="top" style="padding-top: 0px; padding-bottom: 0px;"> <div class="publish-container"> <a href="http://www.insideasiapodcast.com"> <img alt="" class="" style="display: block; height: auto !important; max-width: 100% !important;" width="620" border="0" hspace="0" vspace="0" src="https://files.constantcontact.com/41ca3c44701/00ff980d-f633-40c7-afb2-1c04065ea633.jpg"> </a> </div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;"> <tbody> <tr> <td class=" editor-col OneColumnMobile" width="100%" align="" valign="top"> <div class="gl-contains-spacer"> <table class="editor-spacer" width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="" align="center" valign="top"> <table cellpadding="0" cellspacing="0" border="0" width="100%"> <tbody> <tr> <td class="spacer-base" width="100%" align="center" valign="top" style="padding-bottom: 10px; height: 1px; line-height: 1px;"> <div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif" style="display: block; height: 1px; width: 5px;"></div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;"> <tbody> <tr> <td class=" editor-col OneColumnMobile" width="100%" align="" valign="top"> <div class="gl-contains-text"> <table width="100%" style="min-width: 100%;" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="editor-text editor-text " align="left" valign="top" style="font-family: Tahoma,Geneva,sans-serif; font-size: 14px; color: #6F6E6E; text-align: left; display: block; word-wrap: break-word; line-height: 1.2; padding: 10px 20px;"> <div></div> <div class="text-container galileo-ap-content-editor"><div><div style="text-align: center;" align="center"><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif; font-style: italic;">Conversations with Asia&#x2019;s leading movers, shakers, thinkers, and provocateurs</span></div></div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;"> <tbody> <tr> <td class=" editor-col OneColumnMobile" width="100%" align="" valign="top"> <div class="gl-contains-divider"> <table class="editor-divider" width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width: 100%;"> <tbody> <tr> <td class="" align="center" valign="top"> <table width="100%" class="galileo-ap-content-editor" style="cursor: default; min-width: 100%;"> <tbody> <tr> <td class="divider-base divider-solid" width="100%" align="center" valign="top" style="padding: 9px 0px;"> <table cellpadding="0" cellspacing="0" border="0" align="center" style="width: 100%; min-width: 100%; height: 1px;"> <tbody> <tr> <td height="1" align="center" style="background-color: rgb(207, 143, 18); padding-bottom: 0px; border-bottom-style: none; height: 1px; line-height: 1px;" bgcolor="CF8F12"> <div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif" style="display: block; height: 1px; width: 5px;"></div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;"> <tbody> <tr> <td class="feature-margin" align="left" valign="top" style="background-color: #FFFFFF; padding: 0px 20px;" bgcolor="#FFFFFF"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="feature editor-col OneColumnMobile" width="100%" align="left" valign="top" style="background-color: rgb(255, 255, 255);" bgcolor="FFFFFF"> <div class="gl-contains-text"> <table width="100%" style="min-width: 100%;" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="editor-text feature-heading-text" align="left" valign="top" style="font-family: Tahoma,Geneva,sans-serif; font-size: 18px; color: #000000; text-align: left; display: block; word-wrap: break-word; line-height: 1.2; font-weight: bold; padding: 10px 20px;"> <div></div> <div class="text-container galileo-ap-content-editor"><div> <div style="text-align: center;" align="center"><span style="font-size: 16px; font-weight: normal; font-family: Calibri, Helvetica, Arial, sans-serif;">In conversation with</span></div> <div style="text-align: center;" align="center"><span style="font-size: 20px; font-family: Calibri, Helvetica, Arial, sans-serif;">Cary Horenfeldt</span></div> <div style="text-align: center;" align="center"><span style="font-weight: normal; font-family: Calibri, Helvetica, Arial, sans-serif;">Cashing Out</span></div> <div style="text-align: center;" align="center"><br></div> <div style="text-align: center;" align="center"> <span style="font-size: 16px; font-weight: normal; font-family: Calibri, Helvetica, Arial, sans-serif;">Click </span><a href="http://www.insideasiapodcast.com/cashing-out/" target="_blank" style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; color: rgb(207, 143, 18); font-weight: normal; font-style: normal; text-decoration: underline;">here</a><span style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal;"> to listen to the full </span><span style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-style: italic;">Inside Asia</span><span style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal;"> episode</span> </div> </div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;"> <tbody> <tr> <td class=" editor-col OneColumnMobile" width="100%" align="" valign="top"> <div class="gl-contains-divider"> <table class="editor-divider" width="100%" cellpadding="0" cellspacing="0" border="0" style="min-width: 100%;"> <tbody> <tr> <td class="" align="center" valign="top"> <table width="100%" class="galileo-ap-content-editor" style="cursor: default; min-width: 100%;"> <tbody> <tr> <td class="divider-base divider-solid" width="100%" align="center" valign="top" style="padding: 9px 0px;"> <table cellpadding="0" cellspacing="0" border="0" align="center" style="width: 100%; min-width: 100%; height: 1px;"> <tbody> <tr> <td height="1" align="center" style="background-color: rgb(207, 143, 18); padding-bottom: 0px; border-bottom-style: none; height: 1px; line-height: 1px;" bgcolor="CF8F12"> <div><img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif" style="display: block; height: 1px; width: 5px;"></div> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;"> <tbody> <tr> <td class=" editor-col OneColumnMobile" width="100%" align="" valign="top"> <div class="gl-contains-text"> <table width="100%" style="min-width: 100%;" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="editor-text editor-text " align="left" valign="top" style="font-family: Tahoma,Geneva,sans-serif; font-size: 14px; color: #6F6E6E; text-align: left; display: block; word-wrap: break-word; line-height: 1.2; padding: 10px 20px;"> <div><table class="editor-image OneColumnMobile" style="mso-table-rspace: 5.75pt;" align="left" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="image-cell " align="center" valign="top" style="padding: 0px;"> <div class="publish-container"> <a href="http://www.insideasiapodcast.com/going-viral/" style="color: #597274; font-weight: normal; font-style: normal; text-decoration: underline;"> <img alt="" class="" style="display: block; height: auto !important; max-width: 100% !important;" width="227" border="0" hspace="0" vspace="0" src="https://files.constantcontact.com/41ca3c44701/0207379d-92a7-4cbe-a165-be87db36c246.jpg"> </a> </div> </td> <td class="mobile-hidden" width="15" height="1" align="center" valign="top" style="height: 1px; line-height: 1px; padding: 0px;"> <img alt="" width="15" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display: block; height: auto; max-width: 100%;"> </td> </tr> <tr> <td class="mobile-hidden" height="5" align="center" valign="top" style="height: 5px; line-height: 1px; padding: 0px;"> <img alt="" width="1" height="5" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display: block; height: auto; max-width: 100%;"> </td> <td class="mobile-hidden" width="5" height="5" align="center" valign="top" style="height: 1px; line-height: 1px; padding: 0px;"> <img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display: block; height: auto; max-width: 100%;"> </td> </tr> </tbody> </table></div> <div class="text-container galileo-ap-content-editor"><div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">In less than 20 years, China has risen to become the world&#x2019;s digital vanguard. It now leads the world in digital payments and with only 56% smartphone penetration, there&#x2019;s still lots of upside.&#xa0;</span></div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">The reasons for China&#x2019;s rapid adoption of digital payments is three-fold: For starters, smartphones have been the primary means of accessing the Internet for most mainlanders. They have a level of comfort with smartphones that&#x2019;s unrivaled by consumers elsewhere. Second, credit cards came late to the market, creating a leapfrog opportunity for digital wallets. And third, Chinese consumers &#x2013; for better or worse &#x2013; don&#x2019;t harbor the same fears of digital fraud as their Western counterparts.</span></div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-weight: bold; font-family: Calibri, Helvetica, Arial, sans-serif;">China Sets the Digital Payments Pace</span></div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">The China experience is not lost on other rapidly developing markets. India is quickly following suit, along with much of Southeast Asia, Latin America and the African subcontinent.</span></div> </div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;"> <tbody> <tr> <td class=" editor-col OneColumnMobile" width="100%" align="" valign="top"> <div class="gl-contains-text"> <table width="100%" style="min-width: 100%;" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="editor-text editor-text " align="left" valign="top" style="font-family: Tahoma,Geneva,sans-serif; font-size: 14px; color: #6F6E6E; text-align: left; display: block; word-wrap: break-word; line-height: 1.2; padding: 10px 20px;"> <div><table class="editor-image OneColumnMobile" style="mso-table-rspace: 5.75pt;" align="right" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="mobile-hidden" width="15" height="1" align="center" valign="top" style="height: 1px; line-height: 1px; padding: 0px;"> <img alt="" width="15" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display: block; height: auto; max-width: 100%;"> </td> <td class="image-cell " align="center" valign="top" style="padding: 0px;"> <div class="publish-container"> <img alt="" class="" style="display: block; height: auto !important; max-width: 100% !important;" width="237" border="0" hspace="0" vspace="0" src="https://files.constantcontact.com/41ca3c44701/50e2a647-c24c-4b3c-9e30-5d17d00740da.png"> </div> </td> </tr> <tr> <td class="mobile-hidden" width="5" height="5" align="center" valign="top" style="height: 1px; line-height: 1px; padding: 0px;"> <img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display: block; height: auto; max-width: 100%;"> </td> <td class="mobile-hidden" height="5" align="center" valign="top" style="height: 5px; line-height: 1px; padding: 0px;"> <img alt="" width="1" height="5" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display: block; height: auto; max-width: 100%;"> </td> </tr> </tbody> </table></div> <div class="text-container galileo-ap-content-editor"><div> <div> <span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">To help make sense of the emerging world of digital payments, I invited onto the&#xa0;</span><a href="http://www.insideasiapodcast.com/" target="_blank" style="font-size: 16px; color: rgb(54, 97, 189); font-family: Calibri, Helvetica, Arial, sans-serif; font-style: italic; font-weight: normal; text-decoration: underline;">Inside Asia</a> <span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">podcast&#xa0;</span><a href="https://www.linkedin.com/in/chorenfeldt/" target="_blank" style="font-size: 16px; color: rgb(54, 97, 189); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">Cary Horenfeldt</a><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">, a self-styled digital payments expert. He&#x2019;s an advisor to Bain &amp; Company and consultant to an ever-growing FinTech community in Asia and beyond.&#xa0;</span> </div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">Based in Singapore, Cary sees growing enthusiasm for digital payments. Regulators are relaxing rules, making way for new entrants, while merchants contemplate ways to drive sales across new payment platforms. The only real loser in this payments frenzy is cash, and no one seems too sad to see it go.</span></div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">While Cary does a commendable job navigating the murky waters of global payments and explaining what&#x2019;s been and what has yet to be, the value proposition for a future world of digital payments remains elusive to me?</span></div> </div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;"> <tbody> <tr> <td class=" editor-col OneColumnMobile" width="100%" align="" valign="top"> <div class="gl-contains-text"> <table width="100%" style="min-width: 100%;" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="editor-text editor-text " align="left" valign="top" style="font-family: Tahoma,Geneva,sans-serif; font-size: 14px; color: #6F6E6E; text-align: left; display: block; word-wrap: break-word; line-height: 1.2; padding: 10px 20px;"> <div><table class="editor-image OneColumnMobile" style="mso-table-rspace: 5.75pt;" align="right" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="mobile-hidden" width="15" height="1" align="center" valign="top" style="height: 1px; line-height: 1px; padding: 0px;"> <img alt="" width="15" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display: block; height: auto; max-width: 100%;"> </td> <td class="image-cell " align="center" valign="top" style="padding: 0px;"> <div class="publish-container"> <img alt="" class="" style="display: block; height: auto !important; max-width: 100% !important;" width="298" border="0" hspace="0" vspace="0" src="https://files.constantcontact.com/41ca3c44701/60a2446a-0ed3-4e24-81da-b831e0306821.png"> </div> </td> </tr> <tr> <td class="mobile-hidden" width="5" height="5" align="center" valign="top" style="height: 1px; line-height: 1px; padding: 0px;"> <img alt="" width="5" height="1" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display: block; height: auto; max-width: 100%;"> </td> <td class="mobile-hidden" height="5" align="center" valign="top" style="height: 5px; line-height: 1px; padding: 0px;"> <img alt="" width="1" height="5" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif" style="display: block; height: auto; max-width: 100%;"> </td> </tr> </tbody> </table></div> <div class="text-container galileo-ap-content-editor"><div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: bold;">Digital Payments Quagmire</span></div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">Like moving parts in a complex engine, I now understand the different layers required to make digital payments work. There&#x2019;s the network that connects one financial institution to the next and allows payments to flow. There&#x2019;s the platform that handles the request, creates the messaging, and manages the data and reconciliations. At the merchant level, we have payment portals in an e-commerce world and readers in a store setting that capture credit card, QR and barcode data to initiate a transaction. And lastly there are the cards, payment apps and stored value devices that we carry around in lieu of cash.&#xa0;</span></div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">Across this payments value-chain, we have different players playing different roles. But rather than getting less complex, it appears to be getting more convoluted. For every new payment option there&#x2019;s a merchant who needs to invest in a new reader, a new service and a new fraud management solution to safeguard a business. From the consumer&#x2019;s perspective &#x2013; as I mentioned in my conversation with Cary &#x2013; who really cares which payment solution is better than the next. Hell, I just want to pay and go.&#xa0;</span></div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">While on the one hand its good news that banks and regulators are loosening up and allowing for new and innovative players. On the other, there&#x2019;s the danger of too many players with too many options. It only takes one cop up to screw it up for everyone else.&#xa0;One way or the others, we&#x2019;re headed for a shake-out. Until then, it&#x2019;s a landgrab for a piece of the global payments pie.&#xa0;</span></div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: bold;">Trialing Digital Payment Options</span></div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">Since recording this interview, I&#x2019;ve loaded onto my phone a half dozen digital apps and wallets, thinking to myself that maybe by testing them I&#x2019;ll see for myself how one distinguishes itself from the other. There are somewhere&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;&#xa0;around 50 digital payment providers in Singapore alone.&#xa0;</span></div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">Wherever I went, I flashed my apps with abandon. Coffee? Denied. Nasi Goreng? No can do. A new pair of shoes? Not possible.&#xa0;</span></div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">Do you take AliPay? ApplePay? Katchme? Fastacash? Paylah? Liquidpay? No. No. And no.</span></div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">Each time, disheartened, I reached for my wallet. Credit? I&#x2019;d ask meekly, waving before the cashier a worn and weathered Visa. &#x201c;We prefer cash,&#x201d; would come the reply.</span></div> <div><br></div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">If payments nirvana is the goal &#x2013; which for me, it is not &#x2013; this leaves us with one of two choices. Option one: Hold onto the ubiquitous credit card. Or option two: Move to China.</span></div> </div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;"> <tbody> <tr> <td class=" editor-col OneColumnMobile" width="100%" align="" valign="top"> <div class="gl-contains-image"> <table class="editor-image editor-image editor-image-vspace-on" style="min-width: 100%;" width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td align="center" valign="top" style="padding-top: 10px; padding-bottom: 10px;"> <div class="publish-container"> <img alt="" class="" style="display: block; height: auto !important; max-width: 100% !important;" width="575" border="0" hspace="0" vspace="0" src="https://files.constantcontact.com/41ca3c44701/398db6f1-fda9-4d7d-8ac9-518d6825b307.jpg"> </div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;"> <tbody> <tr> <td class=" editor-col OneColumnMobile" width="100%" align="" valign="top"> <div class="gl-contains-text"> <table width="100%" style="min-width: 100%;" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="editor-text " align="left" valign="top" style="font-family: Tahoma,Geneva,sans-serif; font-size: 14px; color: #6F6E6E; text-align: left; display: block; word-wrap: break-word; line-height: 1.2; padding: 10px 20px;"> <div></div> <div class="text-container galileo-ap-content-editor"><div> <div> <span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">What&#x2019;s your take on digital payments? 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color: #6F6E6E; text-align: left; display: block; word-wrap: break-word; line-height: 1.2; padding: 10px 20px;"> <div></div> <div class="text-container galileo-ap-content-editor"><div> <div> <span style="color: rgb(0, 0, 0); font-weight: bold; font-size: 14px; font-family: Calibri, Helvetica, Arial, sans-serif;">Article</span><span style="color: rgb(0, 0, 0); font-size: 14px; font-family: Calibri, Helvetica, Arial, sans-serif;">: &#x201c;MasterCard Approved for Bank Card Clearing Joint Venture in China,&#x201d; Business Insider,&#xa0;Feb 13, 2020.</span> </div> <div><a href="https://www.businessinsider.com/mastercard-approved-for-bank-card-clearing-joint-venture-in-china-2020-2?IR=T&utm_medium=email&utm_term=BII_Daily&utm_source=Triggermail&utm_campaign=BI%20Intelligence%20Daily%202020.2.12&utm_content=B" target="_blank" style="color: rgb(54, 97, 189); font-size: 14px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">https://www.businessinsider.com/mastercard-approved-for-bank-card-clearing-joint-venture-in-china-2020-2?IR=T&utm_medium=email&utm_term=BII_Daily&utm_source=Triggermail&utm_campaign=BI%20Intelligence%20Daily%202020.2.12&utm_content=B</a></div> <div><br></div> <div> <span style="color: rgb(0, 0, 0); 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font-size: 14px; color: #6F6E6E; text-align: left; display: block; word-wrap: break-word; line-height: 1.2; padding: 10px 20px;"> <div></div> <div class="text-container galileo-ap-content-editor"><div> <div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: bold;">Alibaba:</span></div> <div><span style="color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif; font-style: italic; font-weight: bold;">Hema Department Store</span></div> <div> <span style="font-size: 12px; color: rgb(102, 102, 102); font-family: Calibri, Helvetica, Arial, sans-serif;">|</span><a href="http://www.insideasiapodcast.com/richard-vevers-chasing-coral/" target="_blank" style="font-size: 12px; color: rgb(54, 54, 54); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;"> </a><span style="font-size: 12px; font-family: Calibri, Helvetica, Arial, sans-serif;">November 26, 2017</span><span style="font-size: 12px; font-family: Calibri, Helvetica, Arial, sans-serif; color: rgb(102, 102, 102);">&#xa0;|&#xa0;</span> </div> </div></div> </td> </tr> </tbody> </table> </div> <div class="gl-contains-text"> <table width="100%" style="min-width: 100%;" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="editor-text feature-text" align="left" valign="top" style="font-family: Tahoma,Geneva,sans-serif; font-size: 16px; color: #6F6E6E; text-align: left; display: block; word-wrap: break-word; line-height: 1.2; padding: 10px 20px;"> <div></div> <div class="text-container galileo-ap-content-editor"><div> <div> <span style="font-size: 14px;">In 2005, the Chinese eCommerce giant, Alibaba, created the idea of Singles Day as an opportunity to sell online to China's eCommerce enthusiasts. 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We&#x2019;ve all heard the stories of how China&#x2019;s Huawei Corporation has enlisted armies of engineers, packing them into football field-sized warehouses, shoulder-to-shoulder, breaking code and coding new software.&#xa0;My guest this episode gives us some perspective on how we arrived at this moment. Asia tech guru Jeremy Wagstaff is&#xa0;a&#xa0;Technology Correspondent in Asia, a keen observer with a thirty-year history of reporting in the region.</span></div></div></div> </td> </tr> </tbody> </table> </div> </td> <td class="mobile-hidden layout-container" width="5" style="height: 10px; line-height: 1px; background-color: #FFFFFF; padding: 0;" align="center" valign="top" bgcolor="#FFFFFF"><img style="display: block; width: 5px; height: 10px;" alt="" width="5" height="10" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"></td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;"> <tbody> <tr> <td class=" editor-col OneColumnMobile" width="100%" align="" valign="top"> <div class="gl-contains-button"> <table class="editor-button" width="100%" cellpadding="0" cellspacing="0" border="0" style="width: 100%; min-width: 100%;"> <tbody> <tr> <td class="editor-button-container editor-button-container " style="font-family: Century Gothic, Calibri, Helvetica, Arial, sans-serif; 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I hope you&#x2019;ll join us.</div></div></div> </td> </tr> </tbody> </table> </div> </td> </tr> </tbody> </table> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-layout-editor" style="min-width: 100%;"> <tbody> <tr> <td class=" editor-col OneColumnMobile" width="100%" align="" valign="top"> <div class="gl-contains-web"> <table class="editor-web" width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="" align="center" valign="top"> <table width="100%" cellpadding="0" cellspacing="0" border="0" class="galileo-ap-content-editor"> <tbody> <tr> <td class="block-margin web-content" width="100%" align="left" valign="top" style="padding: 10px 20px;"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="web-content-border" align="left" valign="top" style="background-color: #F4F4F4; padding: 1px;" bgcolor="#F4F4F4"> <table width="100%" cellpadding="0" cellspacing="0" border="0"> <tbody> <tr> <td class="web-content-inner" width="100%" align="left" valign="top" style="background-color: #FFFFFF; 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font-family: Verdana,Geneva,sans-serif; font-size: 12px; padding: 4px 0px;"> Sent by <a href="mailto:[email protected]" style="color: #5d5d5d; text-decoration: none">[email protected]</a> <span class="footer-column">powered by</span> </td> </tr> </table> </td> </tr> <tr> <td class="footer-text" align="center" valign="top" style="color: #5d5d5d; font-family: Verdana,Geneva,sans-serif; font-size: 12px; padding: 4px 0px;"> <a href="http://www.constantcontact.com/index.jsp?cc=nge&rmc=VF19_3GE" style="color: #5d5d5d; text-decoration: none"> <img alt="Trusted Email from Constant Contact - Try it FREE today." width="160" border="0" hspace="0" vspace="0" src="https://static.ctctcdn.com/letters/images/CTCTFooter/Logo_Blue_Orange.png"> </a> <div class="footer-cta-text" style="color: #5d5d5d; font-family: Verdana,Geneva,sans-serif; font-size: 9px; line-height: 2"> <a href="http://www.constantcontact.com/index.jsp?cc=nge&rmc=VF19_3GE" style="color: #5d5d5d; text-decoration: none">Try email marketing for free today!</a> </div> </td> </tr> </table> </td> </tr> </table> </div> </td> </tr> </table><div align="center" style="background-color: #F3F3F3;"><table width="100%" cellpadding="0" cellspacing="0" border="0" style="background-color: #f3f3f3"><tr><td align="center" valign="top" style="padding: 0px 0px 0px 0px;"><div align="center" style="max-width: 600px; 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