Shift to cashless commerce: Creating a digital payments roadmap
Posted Bya Luxury Daily columnistOn In Columns,Editor's Choice,Featured,Opinion | No Comments{"ct":"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","iv":"2c7b65af5cbcd3af9f1637f14c990188","s":"69eea35bce67383d"}