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 _    _     ______              ______    ______  
| \  / ||  /_   _//     ___    /_   _//  /_   _// 
|  \/  ||   -| ||-     /   ||   -| ||-     | ||   
| .  . ||   _| ||_    | [] ||   _| ||_    _| ||   
|_|\/|_||  /_____//    \__ ||  /_____//  /__//    
`-`  `-`   `-----`      -|_||  `-----`   `--`     
                         `-`

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發送短信 : Determinants of non-cash payments in Asian countries