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AT A GLANCE 		2
A NEW WAY TO PAY 		3
HOW RTP WORKS 		3
RTP BENEFITS 		5
RTP GAPS TO PROMISE 		6
AROUND THE WORLD IN RTP 		8
RTP IMPERATIVES 		11
PAYMENTS MEGATRENDS 		13
CITI NEVER SLEEPS 		14
ABOUT THE AUTHOR 		15
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