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Why did CredEx in 2014 move to an Offline-to-Online (O2O) business model (hint: internal drivers, external environment, value to stakeholders?) What are the implications of

Why did CredEx in 2014 move to an Offline-to-Online (O2O) business model (hint: internal drivers, external environment, value to stakeholders?) What are the implications of the change to the O2O business model (hint: salespeople, operating costs)?

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