阿联酋成为该地区增长最快的电子商务市场的10个理由
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10 reasons why UAE is the region's fastest growing e-commerce market
阿联酋成为该地区增长最快的电子商务市场的10个理由
2019 is hailed as the year for online shopping in the UAE. As the e-commerce market gains momentum regionally and globally, customers today can get their hands on a vast range of consumer goods and services, all available via a tap, click or swipe.
2019年被誉为阿联酋在线购物的元年。随着电子商务市场在区域和全球范围内的蓬勃发展，今天的客户可以通过点击，单击或滑动获得大量的消费品和服务。
The UAE is making rapid strides as the fastest growing e-commerce market in the Middle East and North Africa (MENA), according to a joint study by Dubai Economy and global payments technology company Visa, which ranks first in Forbes list of ‘World’s Best Regarded Companies’.
根据迪拜经济与全球支付技术公司Visa的联合研究，阿联酋正在迅速成长为中东和北非（MENA）增长最快的电子商务市场，在《福布斯》杂志“全球最佳企业”榜单中排名第一 被视为公司”。
With the world becoming more connected and consumers’ trust on online shopping evolving, we believe that consumer spend via online retail platforms will see significant growth in the coming years.
- Shahebaz Khan, Visa’s General Manager for the UAE
随着世界变得越来越紧密，消费者对在线购物的信任也在不断发展，我们相信，在未来几年中，通过在线零售平台进行的消费者支出将出现显着增长。
-Visa的阿联酋总经理Shahebaz Khan
E-commerce transactions in the UAE are forecast to total $16 billion (Dh59 billion) in 2019 and grow 23 per cent annually between 2018 and 2022.
预计2019年阿联酋的电子商务交易总额将达到160亿美元（590亿迪拉姆），并在2018年至2022年期间每年增长23％。
"By growing the e-commerce sector in the UAE, we are by extension helping to drive economic growth and extend the benefits of digital payments to residents and businesses in the country," says Shahebaz Khan, Visa’s General Manager for the UAE.
Visa的阿联酋总经理Shahebaz Khan说：“通过扩大阿联酋的电子商务部门，我们将通过扩展来帮助推动经济增长，并将数字支付的优势扩展到该国的居民和企业。”
Here are the top 10 reasons why the country is a powerhouse for e-commerce in the region, according to Visa’s UAE eCommerce Landscape report:
根据Visa的阿联酋电子商务景象报告，以下是该国成为该地区电子商务强国的十大原因：
1. High digital penetration
Mobile phone penetration in the UAE is now at a world-record high of 210.9 per cent, according to Visa's researchImage Credit: Shutterstock
Growth in e-commerce comes as digital becomes the future in the UAE. Mobile phone penetration is now at a world-record high of 210.9 per cent, according to Visa's research. UAE residents also are among the top 10 globally when it comes to spending time on the internet and social media, averaging seven hours and 54 minutes daily. “With the world becoming more connected and consumers’ trust on online shopping evolving, we believe that consumer spend via online retail platforms will see significant growth in the coming years,” says Khan.
1.高数字渗透率
Visa的研究显示，阿联酋的手机普及率目前达到210.9％的世界纪录新高。图片来源：Shutterstock
随着数字化成为阿联酋的未来，电子商务也随之增长。根据Visa的研究，手机普及率目前达到210.9％的世界纪录新高。在上网和社交媒体上花费的时间方面，阿联酋居民也位列全球前十名，平均每天花费7个小时54分钟。Khan表示：“随着世界变得越来越紧密，消费者对在线购物的信任也在不断发展，我们相信，通过在线零售平台进行的消费者支出将在未来几年出现显着增长。”
2. Digital natives
The UAE’s population comprises nearly 30 per cent of digital-native millennials and a growing Gen ZImage Credit: Shutterstock
The UAE’s population comprises nearly 30 per cent of digital-native millennials (born between 1981 and 1996) and a growing Gen Z (born between 1997 and 2012). These digital natives are always connected and seek on-demand, near-instant solutions. Their desire for fast and convenient shopping experiences is expected to accelerate the uptake of online shopping.
2.数字原住民
阿联酋人口占近30％的数字原生千禧世代和不断增长的Gen ZImage来源：Shutterstock
阿联酋人口包括近30％的数字原生千禧一代（1981年至1996年出生）和成长中的Z世代（1997年至2012年出生）。这些数字本地人始终保持联系，并寻求按需，近乎即时的解决方案。他们对快速便捷的购物体验的渴望有望加速在线购物的普及。
3. Rising use of mobile wallets
The use of mobile wallets in the UAE has increased with Google Pay, Samsung Pay and Apple Pay entering the fray along with local playersImage Credit: Shutterstock
A deep penetration of smartphones is the baseline for mobile wallet adoption, and this has been a reality for years in UAE, says the Visa report. The use of mobile wallets in the UAE has increased with global giants such as Google Pay, Samsung Pay and Apple Pay entering the fray along with local players like Etisalat Wallet and Beam Wallet, as well as local banks. With a simple tap of their smartphone or smartwatch, residents can today pay at supermarkets, hotels, department stores, petrol stations, taxis, cinemas and many more outlets.
3.越来越多地使用手机钱包
随着Google Pay，Samsung Pay和Apple Pay以及本地玩家的加入，阿联酋对移动钱包的使用有所增加。图片来源：Shutterstock
Visa报告称，智能手机的深度渗透是采用手机钱包的基础，这在阿联酋已经成为现实。随着诸如Google Pay，Samsung Pay和Apple Pay之类的全球巨头以及像Etisalat Wallet和Beam Wallet这样的本地公司以及当地银行的加入，阿联酋对移动钱包的使用有所增加。如今，居民只需轻按一下智能手机或智能手表，便可以在超市，酒店，百货公司，加油站，出租车，电影院和许多其他商店付款。
4. Government intent
Digital commerce and cashless payments were identified as top government prioritiesImage Credit: GN Archives
Proactive government policies have been crucial in building a digital culture in the UAE and eliminating many of the barriers to becoming a cashless society. Digital commerce and cashless payments were identified as top government priorities in UAE Vision 2021. The government has implemented a number of initiatives to support it, such as the wage protection system. Moreover, a digital, lean, connected “paperless, cashless government, driven by cutting-edge, disruptive technologies, defining the government of the future now,” is part of the Smart Dubai 2021 initiative.
4.政府意图
数字商务和无现金支付被确定为政府的首要任务图片来源：GN Archives
积极的政府政策对于在阿联酋建立数字文化并消除成为无现金社会的许多障碍至关重要。在阿联酋2021年愿景中，数字商务和无现金支付被确定为政府的头等大事。政府已实施了许多支持它的举措，例如工资保护制度。此外，数字化，精益，相互联系的``无纸化，无现金政府，由尖端的颠覆性技术驱动，定义了现在的未来政府''，这是Smart Dubai 2021计划的一部分。
5. Trust in digital payments
About 66 per cent of respondents in the UAE said they trust online shopping and 70 per cent trust online paymentsImage Credit: Shuttestock
As per a recent Visa-DED security survey that examined consumer perception of digital payments and online shopping, 66 per cent of respondents said they trust online shopping and 70 per cent trust online payments. "The possibilities for merchants, financial institutions and consumers are enormous, and it is vital, therefore, that we continue to build consumers’ trust and improve the infrastructure of online payments so that consumers can benefit from more seamless, rewarding and secure shopping experiences,” says Khan.
5.信任数字支付
阿联酋约66％的受访者表示他们信任在线购物，而70％的受访者信任在线支付图片来源：Shuttestock
根据最近的Visa-DED安全调查，该调查调查了消费者对数字支付和在线购物的看法，有66％的受访者表示他们信任在线购物，而70％的受访者表示信任在线支付。“商家，金融机构和消费者的可能性是巨大的，因此，至关重要的是，我们继续建立消费者的信任并改善在线支付的基础架构，以便使消费者能够享受到更加无缝，奖励和安全的购物体验， 汗说。
6. Average spend per transaction
The UAE shopper is among the top spenders online. In the wider Middle East, North Africa and South Asia (MENASA) region, the UAE represents the biggest annual spend per online shopper at $1,648, with growth projected through 2020 at 29.6 per cent. This is supported by Visa transaction data, which shows that the UAE continues to maintain a healthy lead in average transaction size compared to both emerging and mature e-commerce markets. The transaction size in the UAE averages $144 in 2018-19, compared to $79 in mature markets and $26 in emerging markets.
The UAE shopper is among the top spenders online, according to Visa researchImage Credit: Shutterstock
6.每笔交易的平均支出
阿联酋购物者是在线消费最多的人之一。在更广阔的中东，北非和南亚（MENASA）地区，阿联酋是每位在线购物者年支出最高的，为1,648美元，预计到2020年将增长29.6％。Visa交易数据支持了这一点，该数据表明，与新兴和成熟的电子商务市场相比，阿联酋在平均交易规模上继续保持健康的领先优势。2018-19年度，阿联酋的交易规模平均为144美元，而成熟市场为79美元，新兴市场为26美元。
Visa研究机构称，阿联酋购物者是在线消费最多的人之一
7. Going cashless
At first glance, the UAE looks to be a long way off with 75 per cent of all transactions still made using cash, but the country has already laid down strong foundations to go digital. The UAE ranks foremost among regional economies most rapidly moving away from cash. Card payments continue to grow in the UAE, recorded at 70 per cent in 2018, compared to 68 per cent in 2017, according to Visa’s report. During the same period, cash-on-delivery dropped to 15 per cent in 2018 from 22 per cent in 2017.
7.无现金
乍一看，阿联酋似乎还有很长的路要走，所有交易中有75％仍使用现金进行，但该国已经为数字化打下了坚实的基础。阿联酋在最迅速脱离现金的地区经济中排名第一。Visa的报告显示，阿联酋的信用卡支付继续增长，2018年达到70％，而2017年为68％。在同一时期，交付现金从2017年的22％下降至2018年的15％。
8. Improved logistics
The UAE's low logistics costs and superb infrastructure make it an ideal place for e-commerce to thriveImage Credit: Shutterstock
Logistics can be a game-changer for any e-commerce business. Luckily, the UAE is a focal point for distribution, and its low logistics costs and superb infrastructure make it an ideal place for e-commerce to thrive. It enjoys an advantage as a major global trans-shipment hub with the port of Jebel Ali and Dubai International Airport (the sixth busiest cargo airport in the world) providing a high standard of logistics, according to the Visa report.
8.优化的物流基础设置
阿联酋的低廉的物流成本和一流的基础设施使其成为电子商务蓬勃发展的理想之地
物流可以改变任何电子商务业务。幸运的是，阿联酋是分销中心，其低廉的物流成本和一流的基础设施使其成为电子商务蓬勃发展的理想之地。根据Visa报告，它拥有杰贝阿里（Jebel Ali）港口和迪拜国际机场（世界第六繁忙的货运机场），是全球主要的转运枢纽，可提供高水平的物流优势。
9. Increased security
Banks and payment providers such as Visa are working to enhance card security for online transactionsImage Credit: Shutterstock
Striking a balance between frictionless customer experience and strong security is another important aspect. Banks and payment providers in the UAE such as Visa are working to enhance card security for online transactions, adding an additional layer of security to the process. Online retailers can partner with payment processors to adopt protocols such as Verified by Visa, which works by sending the shopper a one-time-password to ensure payments are made by the rightful owner of the Visa account.
9.增强的安全性
Visa等银行和支付提供商正在努力提高在线交易的卡安全性图片来源：Shutterstock
在无摩擦的客户体验和强大的安全性之间寻求平衡是另一个重要方面。Visa等阿联酋的银行和支付提供商正在努力增强在线交易的卡安全性，从而为流程增加了一层安全性。在线零售商可以与付款处理商合作以采用诸如Visa验证之类的协议，该协议通过向购物者发送一次性密码来确保由Visa帐户的合法所有者进行付款。
10. Growing digital shopping opportunities
On the digital merchant side, we have seen growth both domestically and internationally, including a number of digital startups with world-class shopping experiences for in-app and mobile. At the same time, we have also seen traditional retailers across all sectors go digital and global brands have opened delivery services to the UAE, making it easier for consumers to order and receive goods seamlessly.
10.不断增长的数字购物机会
在数字商家方面，我们看到了国内外的增长，其中包括一些具有应用程序和移动世界一流购物体验的数字创业公司。同时，我们还看到各个领域的传统零售商都在使用数字技术，全球品牌已经向阿联酋开放了送货服务，从而使消费者可以更轻松地无缝订购和接收商品。
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10 reasons why UAE is the region's fastest growing e-commerce market
阿联酋成为该地区增长最快的电子商务市场的10个理由
2019 is hailed as the year for online shopping in the UAE. As the e-commerce market gains momentum regionally and globally, customers today can get their hands on a vast range of consumer goods and services, all available via a tap, click or swipe.
2019年被誉为阿联酋在线购物的元年。随着电子商务市场在区域和全球范围内的蓬勃发展，今天的客户可以通过点击，单击或滑动获得大量的消费品和服务。
The UAE is making rapid strides as the fastest growing e-commerce market in the Middle East and North Africa (MENA), according to a joint study by Dubai Economy and global payments technology company Visa, which ranks first in Forbes list of ‘World’s Best Regarded Companies’.
根据迪拜经济与全球支付技术公司Visa的联合研究，阿联酋正在迅速成长为中东和北非（MENA）增长最快的电子商务市场，在《福布斯》杂志“全球最佳企业”榜单中排名第一 被视为公司”。
With the world becoming more connected and consumers’ trust on online shopping evolving, we believe that consumer spend via online retail platforms will see significant growth in the coming years.
- Shahebaz Khan, Visa’s General Manager for the UAE
随着世界变得越来越紧密，消费者对在线购物的信任也在不断发展，我们相信，在未来几年中，通过在线零售平台进行的消费者支出将出现显着增长。
-Visa的阿联酋总经理Shahebaz Khan
E-commerce transactions in the UAE are forecast to total $16 billion (Dh59 billion) in 2019 and grow 23 per cent annually between 2018 and 2022.
预计2019年阿联酋的电子商务交易总额将达到160亿美元（590亿迪拉姆），并在2018年至2022年期间每年增长23％。
"By growing the e-commerce sector in the UAE, we are by extension helping to drive economic growth and extend the benefits of digital payments to residents and businesses in the country," says Shahebaz Khan, Visa’s General Manager for the UAE.
Visa的阿联酋总经理Shahebaz Khan说：“通过扩大阿联酋的电子商务部门，我们将通过扩展来帮助推动经济增长，并将数字支付的优势扩展到该国的居民和企业。”
Here are the top 10 reasons why the country is a powerhouse for e-commerce in the region, according to Visa’s UAE eCommerce Landscape report:
根据Visa的阿联酋电子商务景象报告，以下是该国成为该地区电子商务强国的十大原因：
1. High digital penetration
Mobile phone penetration in the UAE is now at a world-record high of 210.9 per cent, according to Visa's researchImage Credit: Shutterstock
Growth in e-commerce comes as digital becomes the future in the UAE. Mobile phone penetration is now at a world-record high of 210.9 per cent, according to Visa's research. UAE residents also are among the top 10 globally when it comes to spending time on the internet and social media, averaging seven hours and 54 minutes daily. “With the world becoming more connected and consumers’ trust on online shopping evolving, we believe that consumer spend via online retail platforms will see significant growth in the coming years,” says Khan.
1.高数字渗透率
Visa的研究显示，阿联酋的手机普及率目前达到210.9％的世界纪录新高。图片来源：Shutterstock
随着数字化成为阿联酋的未来，电子商务也随之增长。根据Visa的研究，手机普及率目前达到210.9％的世界纪录新高。在上网和社交媒体上花费的时间方面，阿联酋居民也位列全球前十名，平均每天花费7个小时54分钟。Khan表示：“随着世界变得越来越紧密，消费者对在线购物的信任也在不断发展，我们相信，通过在线零售平台进行的消费者支出将在未来几年出现显着增长。”
2. Digital natives
The UAE’s population comprises nearly 30 per cent of digital-native millennials and a growing Gen ZImage Credit: Shutterstock
The UAE’s population comprises nearly 30 per cent of digital-native millennials (born between 1981 and 1996) and a growing Gen Z (born between 1997 and 2012). These digital natives are always connected and seek on-demand, near-instant solutions. Their desire for fast and convenient shopping experiences is expected to accelerate the uptake of online shopping.
2.数字原住民
阿联酋人口占近30％的数字原生千禧世代和不断增长的Gen ZImage来源：Shutterstock
阿联酋人口包括近30％的数字原生千禧一代（1981年至1996年出生）和成长中的Z世代（1997年至2012年出生）。这些数字本地人始终保持联系，并寻求按需，近乎即时的解决方案。他们对快速便捷的购物体验的渴望有望加速在线购物的普及。
3. Rising use of mobile wallets
The use of mobile wallets in the UAE has increased with Google Pay, Samsung Pay and Apple Pay entering the fray along with local playersImage Credit: Shutterstock
A deep penetration of smartphones is the baseline for mobile wallet adoption, and this has been a reality for years in UAE, says the Visa report. The use of mobile wallets in the UAE has increased with global giants such as Google Pay, Samsung Pay and Apple Pay entering the fray along with local players like Etisalat Wallet and Beam Wallet, as well as local banks. With a simple tap of their smartphone or smartwatch, residents can today pay at supermarkets, hotels, department stores, petrol stations, taxis, cinemas and many more outlets.
3.越来越多地使用手机钱包
随着Google Pay，Samsung Pay和Apple Pay以及本地玩家的加入，阿联酋对移动钱包的使用有所增加。图片来源：Shutterstock
Visa报告称，智能手机的深度渗透是采用手机钱包的基础，这在阿联酋已经成为现实。随着诸如Google Pay，Samsung Pay和Apple Pay之类的全球巨头以及像Etisalat Wallet和Beam Wallet这样的本地公司以及当地银行的加入，阿联酋对移动钱包的使用有所增加。如今，居民只需轻按一下智能手机或智能手表，便可以在超市，酒店，百货公司，加油站，出租车，电影院和许多其他商店付款。
4. Government intent
Digital commerce and cashless payments were identified as top government prioritiesImage Credit: GN Archives
Proactive government policies have been crucial in building a digital culture in the UAE and eliminating many of the barriers to becoming a cashless society. Digital commerce and cashless payments were identified as top government priorities in UAE Vision 2021. The government has implemented a number of initiatives to support it, such as the wage protection system. Moreover, a digital, lean, connected “paperless, cashless government, driven by cutting-edge, disruptive technologies, defining the government of the future now,” is part of the Smart Dubai 2021 initiative.
4.政府意图
数字商务和无现金支付被确定为政府的首要任务图片来源：GN Archives
积极的政府政策对于在阿联酋建立数字文化并消除成为无现金社会的许多障碍至关重要。在阿联酋2021年愿景中，数字商务和无现金支付被确定为政府的头等大事。政府已实施了许多支持它的举措，例如工资保护制度。此外，数字化，精益，相互联系的``无纸化，无现金政府，由尖端的颠覆性技术驱动，定义了现在的未来政府''，这是Smart Dubai 2021计划的一部分。
5. Trust in digital payments
About 66 per cent of respondents in the UAE said they trust online shopping and 70 per cent trust online paymentsImage Credit: Shuttestock
As per a recent Visa-DED security survey that examined consumer perception of digital payments and online shopping, 66 per cent of respondents said they trust online shopping and 70 per cent trust online payments. "The possibilities for merchants, financial institutions and consumers are enormous, and it is vital, therefore, that we continue to build consumers’ trust and improve the infrastructure of online payments so that consumers can benefit from more seamless, rewarding and secure shopping experiences,” says Khan.
5.信任数字支付
阿联酋约66％的受访者表示他们信任在线购物，而70％的受访者信任在线支付图片来源：Shuttestock
根据最近的Visa-DED安全调查，该调查调查了消费者对数字支付和在线购物的看法，有66％的受访者表示他们信任在线购物，而70％的受访者表示信任在线支付。“商家，金融机构和消费者的可能性是巨大的，因此，至关重要的是，我们继续建立消费者的信任并改善在线支付的基础架构，以便使消费者能够享受到更加无缝，奖励和安全的购物体验， 汗说。
6. Average spend per transaction
The UAE shopper is among the top spenders online. In the wider Middle East, North Africa and South Asia (MENASA) region, the UAE represents the biggest annual spend per online shopper at $1,648, with growth projected through 2020 at 29.6 per cent. This is supported by Visa transaction data, which shows that the UAE continues to maintain a healthy lead in average transaction size compared to both emerging and mature e-commerce markets. The transaction size in the UAE averages $144 in 2018-19, compared to $79 in mature markets and $26 in emerging markets.
The UAE shopper is among the top spenders online, according to Visa researchImage Credit: Shutterstock
6.每笔交易的平均支出
阿联酋购物者是在线消费最多的人之一。在更广阔的中东，北非和南亚（MENASA）地区，阿联酋是每位在线购物者年支出最高的，为1,648美元，预计到2020年将增长29.6％。Visa交易数据支持了这一点，该数据表明，与新兴和成熟的电子商务市场相比，阿联酋在平均交易规模上继续保持健康的领先优势。2018-19年度，阿联酋的交易规模平均为144美元，而成熟市场为79美元，新兴市场为26美元。
Visa研究机构称，阿联酋购物者是在线消费最多的人之一
7. Going cashless
At first glance, the UAE looks to be a long way off with 75 per cent of all transactions still made using cash, but the country has already laid down strong foundations to go digital. The UAE ranks foremost among regional economies most rapidly moving away from cash. Card payments continue to grow in the UAE, recorded at 70 per cent in 2018, compared to 68 per cent in 2017, according to Visa’s report. During the same period, cash-on-delivery dropped to 15 per cent in 2018 from 22 per cent in 2017.
7.无现金
乍一看，阿联酋似乎还有很长的路要走，所有交易中有75％仍使用现金进行，但该国已经为数字化打下了坚实的基础。阿联酋在最迅速脱离现金的地区经济中排名第一。Visa的报告显示，阿联酋的信用卡支付继续增长，2018年达到70％，而2017年为68％。在同一时期，交付现金从2017年的22％下降至2018年的15％。
8. Improved logistics
The UAE's low logistics costs and superb infrastructure make it an ideal place for e-commerce to thriveImage Credit: Shutterstock
Logistics can be a game-changer for any e-commerce business. Luckily, the UAE is a focal point for distribution, and its low logistics costs and superb infrastructure make it an ideal place for e-commerce to thrive. It enjoys an advantage as a major global trans-shipment hub with the port of Jebel Ali and Dubai International Airport (the sixth busiest cargo airport in the world) providing a high standard of logistics, according to the Visa report.
8.优化的物流基础设置
阿联酋的低廉的物流成本和一流的基础设施使其成为电子商务蓬勃发展的理想之地
物流可以改变任何电子商务业务。幸运的是，阿联酋是分销中心，其低廉的物流成本和一流的基础设施使其成为电子商务蓬勃发展的理想之地。根据Visa报告，它拥有杰贝阿里（Jebel Ali）港口和迪拜国际机场（世界第六繁忙的货运机场），是全球主要的转运枢纽，可提供高水平的物流优势。
9. Increased security
Banks and payment providers such as Visa are working to enhance card security for online transactionsImage Credit: Shutterstock
Striking a balance between frictionless customer experience and strong security is another important aspect. Banks and payment providers in the UAE such as Visa are working to enhance card security for online transactions, adding an additional layer of security to the process. Online retailers can partner with payment processors to adopt protocols such as Verified by Visa, which works by sending the shopper a one-time-password to ensure payments are made by the rightful owner of the Visa account.
9.增强的安全性
Visa等银行和支付提供商正在努力提高在线交易的卡安全性图片来源：Shutterstock
在无摩擦的客户体验和强大的安全性之间寻求平衡是另一个重要方面。Visa等阿联酋的银行和支付提供商正在努力增强在线交易的卡安全性，从而为流程增加了一层安全性。在线零售商可以与付款处理商合作以采用诸如Visa验证之类的协议，该协议通过向购物者发送一次性密码来确保由Visa帐户的合法所有者进行付款。
10. Growing digital shopping opportunities
On the digital merchant side, we have seen growth both domestically and internationally, including a number of digital startups with world-class shopping experiences for in-app and mobile. At the same time, we have also seen traditional retailers across all sectors go digital and global brands have opened delivery services to the UAE, making it easier for consumers to order and receive goods seamlessly.
10.不断增长的数字购物机会
在数字商家方面，我们看到了国内外的增长，其中包括一些具有应用程序和移动世界一流购物体验的数字创业公司。同时，我们还看到各个领域的传统零售商都在使用数字技术，全球品牌已经向阿联酋开放了送货服务，从而使消费者可以更轻松地无缝订购和接收商品。
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