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 /  ___||  \ \\/ //  |  _ \\   /_   _// | \  / || 
| // __     \ ` //   | |_| ||   -| ||-  |  \/  || 
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 \____//     |_||    |_|\_\\   /_____// |_|\/|_|| 
  `---`      `-`'    `-` --`   `-----`  `-`  `-`

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發送短信 : Consumers' perception on security and risk of online electronic payment.