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… reconciling a payment in an automated fashion, such that no human intervention is required. … STP …
… A disruption to the payments ecosystem that has a material impact on ecosystem …
… Payments are exchanged, cleared and settled through a single central system, where they are routed and validated by a central institution … Centralized systems …
… Those who use, or are likely to use, services provided by payment systems (e.g. consumers, businesses, government) …