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" ... Another trend we’re seeing outside of retail is the international remittance or money transfer market. Pre-Covid, as much as 70 per cent of the global remittance market was cash-based, but the shift towards greater adoption of digital remittance methods was already having an influence. And while the economic impact of the pandemic may have a supressing effect on the overall value of the international remittance market in the short term, undoubtedly the shift to digital remittances methods will accelerate. ... "