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Waht do you think about platform east traditional business that happen in banking industry. What is forms of platform-driven disruptions of Apple Pay, Paypal, or

Waht do you think about platform east traditional business that happen in banking industry. What is forms of platform-driven disruptions of Apple Pay, Paypal, or AliPay. Is it as de-linking assets from value, re-intermediation, or market aggregation. Can you explain it and make example for each platform?

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