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Please discuss challenges in the implementation of Fintech innovations (e.g., regulation, adoption, technology infrastructure) and the critical factors that need to be considered for the

Please discuss challenges in the implementation of Fintech innovations (e.g., regulation, adoption, technology infrastructure) and the critical factors that need to be considered for the success of each Amazon's Fintech services (Amazon pay, Amazon insurance, Amazon lending). Do you think the success of Amazon's innovations in Fintech can be replicated by other retailers, such as Walmart and Costco?

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