# Japan Payment Service Market

> Japan Payment Service Market Size, Share and Research Report By Service (Professional, Managed, Platform) and By Vertical (BFSI, Retail, Healthcare, Media & Entertainment, Hospitality)- Industry Forecast Till 2035

- **Forecast Period:** 2025 - 2035
- **CAGR:** 20.8%
- **2024:** $ 392.28 Million
- **2025:** $ 473.87 Million
- **2035:** $ 3,136.28 Million
- **Key Players:** PayPal (US), Square (US), Adyen (NL), Stripe (US), Worldpay (GB), Alipay (CN), WeChat Pay (CN), Visa (US), Mastercard (US)

**Report ID:** MRFR/BS/59784-HCR · **Pages:** 200 · **Author:** Aarti Dhapte · **Last Updated:** February 06, 2026

**URL:** https://www.marketresearchfuture.com/reports/japan-payment-service-market-61601

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## Market Summary

## **Japan Payment Service Market Overview**

As per MRFR analysis, the Japan Payment Service Market Size was estimated at 324.74 (USD Million) in 2023.The Japan Payment Service Market is expected to grow from 392.28(USD Million) in 2024 to 2,084 (USD Million) by 2035. The Japan Payment Service Market CAGR (growth rate) is expected to be around 16.396% during the forecast period (2025 - 2035).

### **Key Japan Payment Service Market Trends Highlighted**

The Japan Payment Service Market is witnessing significant trends driven by technological advancements and changing consumer behavior. One of the key market drivers is the increasing adoption of cashless payments, fueled by the Japanese government's push for a digital economy as part of its broader economic strategy. This initiative aims to raise the cashless payment ratio and enhance convenience for consumers, reflecting a notable shift from traditional payment methods to electronic transactions. 

Consumers are increasingly seeking quick and seamless payment experiences, contributing to the rise of various electronic payment platforms and services.The rise of mobile payments is the main thing driving growth in the Japan Payment Service Market. The rise of smartphones and mobile apps has made it possible to combine payment services with everyday tasks in a way that hasn't been possible before. 

As customers look for quick and easy ways to make payments, companies that can offer new mobile payment solutions are likely to get a large share of the market. Users are very concerned about security and transaction transparency, and combining AI and blockchain technology gives them a lot of chances to improve both. Recent trends also show that people are moving toward contactless payment methods, especially because the pandemic made people more concerned about hygiene and safety.

Businesses are rapidly adopting contactless terminals and payment solutions, which reflects a broader movement towards modernizing payment infrastructures. With Japan’s advanced technological landscape and high levels of internet penetration, the payment service market continues to evolve, responding agilely to both consumer needs and regulatory changes aimed at fostering a more inclusive financial ecosystem. As these trends unfold, they will shape the future landscape of payment services in Japan.

Source: Primary Research, Secondary Research, MRFR Database, and Analyst Review

## **Japan Payment Service Market Drivers**

### **Growing Adoption of Digital Payments**

The Japan [Payment Service Market](../../../reports/germany-payment-service-market-61600) is experiencing significant growth driven by the increasing adoption of digital payment methods among consumers and businesses. According to the Ministry of Economy, Trade, and Industry (METI), the digital payment transaction value in Japan has surged from approximately 20 trillion JPY in 2019 to an estimated 30 trillion JPY in 2022, signaling a robust 50% increase within three years. 

Major companies like Sony Financial Services and Rakuten have been pivotal in this transition, offering user-friendly mobile wallets and seamless payment solutions that cater to the technologically savvy Japanese consumer.Additionally, Japan's ongoing efforts to enhance cashless payment infrastructure, as demonstrated by government initiatives such as the Cashless Vision 2025 strategy, aim to increase the cashless transaction rate to 40% by 2025, fueling the market even further. This shift towards digital payments aligns with global trends and illustrates the evolving landscape of financial transactions in Japan.

### **Government Initiatives and Support**

The Japanese government has been actively promoting cashless transactions as part of its broader economic strategies, which is a key driver for the Japan Payment Service Market. The government has set a target to increase cashless payment usage to 40% by 2025, as outlined in their Cashless Vision policy. 

With substantial investment in technological infrastructure and tax incentives for businesses adopting cashless solutions, the government is facilitating the ecosystem required for payment service growth.Companies like PayPay and LINE Pay have benefitted from these initiatives, showcasing rapid growth in user adoption and transaction volumes. As of 2022, the total cashless payment transactions have crossed 29 trillion JPY, reflecting strong alignment with governmental objectives and illustrating the effectiveness of these supportive policies.

### **Increased E-commerce Growth**

The surge in e-commerce activities in Japan is a significant driving force for the Japan Payment Service Market. A report from the Japan E-commerce Association indicated that e-commerce sales reached approximately 20 trillion JPY in 2021, marking a 15% increase compared to 2020. With the shift in consumer behavior towards online shopping, especially during the COVID-19 pandemic, payment service providers are adapting their offerings to meet the evolving needs of e-consumers.

Established players like Amazon Japan and Yahoo! Japan are leveraging advanced payment technologies, such as one-click payments and subscription models, to streamline transactions. This shift has not only propelled the growth of digital payments but has also necessitated innovations in payment security and fraud prevention, further enhancing the effectiveness of payment services within the Japan Payment Service Market.

### **Technological Advancements in Payment Solutions**

Rapid technological advancements are a vital driver in the evolution of the Japan Payment Service Market. Companies are increasingly adopting Artificial Intelligence (AI), Machine Learning (ML), and blockchain technologies to enhance payment processing efficiency and security. In 2022, it was reported that over 60% of payment technology firms in Japan have implemented AI-driven solutions to detect fraud and streamline operations. 

Major fintech companies, such as GMO Payment Gateway and Line Pay, are at the forefront of integrating these technologies, thereby improving user experience through faster transaction times and increased security.This continuous innovation not only builds consumer trust but also positions the Japan Payment Service Market as a leader in providing advanced payment solutions, meeting the increasing demand for seamless digital transactions.

## **Japan Payment Service Market Segment Insights**

### **Payment Service Market Service Insights**

The Service segment of the Japan Payment Service Market is pivotal in shaping the overall landscape of the industry, contributing significantly to market growth by providing tailored solutions that meet the evolving needs of consumers and businesses. The increasing adoption of digital payment methods across Japan, driven by advancements in technology, is forging new opportunities within this segment. A notable trend is the surge in professional services, which encompass consulting and strategic options, helping organizations navigate the complexities of a rapidly changing financial ecosystem.

These services enable businesses to enhance customer experience, streamline operations, and improve security measures, ultimately driving efficiency and trust in digital transactions. Furthermore, managed services are gaining traction as they allow for outsourced solutions that alleviate the burdens on internal teams. Businesses that opt for managed payment services benefit from continuous support, system monitoring, and compliance management, ensuring their operations are both efficient and secure. 

Meanwhile, the platform aspect is essential as it offers an ecosystem where payment transactions are facilitated through various channels, including mobile and e-commerce platforms.This allows for seamless integration with existing systems, catering to the diverse needs of modern consumers. The Japan Payment Service Market segmentation reflects the increasing importance of these services, as businesses strive to implement comprehensive payment solutions tailored to local preferences and compliance requirements. 

Companies in Japan are increasingly focusing on enhancing their service offerings, ensuring they remain competitive in a dynamic marketplace that is heavily influenced by consumer demand for better convenience, speed, and security.The integration of advanced technologies such as artificial intelligence and machine learning is also shaping the future of service offerings, allowing for smarter transaction processing and fraud detection. 

Collectively, these insights illustrate the multifaceted role and significant contributions of the Service segment within the Japan Payment Service Market, driven by a growing need for efficiency, security, and consumer satisfaction. Growing demographic trends, such as an aging population and increasing smartphone penetration, further underscore the importance of adapting payment solutions, thereby enhancing the relevance of the Service segment.The landscape is transforming rapidly, with the Japanese government encouraging the use of cashless transactions to boost the economy, further propelling the relevance of services within this market. 

Thus, the foundations of the Japan Payment Service Market hinge upon a robust service framework that resonates with both consumer expectations and regulatory standards, ensuring its evolution harmonizes with technological advancements and market dynamics.

Source: Primary Research, Secondary Research, MRFR Database, and Analyst Review

### **Payment Service Market Vertical Insights**

The Japan Payment Service Market exhibits remarkable growth potential across its various verticals, significantly contributing to its dynamic landscape. The Banking, Financial Services, and Insurance (BFSI) sector remains a dominant force, driven by increasing digitalization and evolving consumer preferences. Retail payments are also substantial, supported by the country's robust e-commerce ecosystem and a growing trend toward cashless transactions, especially among younger consumers. 

Healthcare is witnessing a transformation where payment solutions enhance patient experiences and streamline [insurance](../../../reports/europe-internet-of-things-insurance-market-60477) processes.In the Media and Entertainment sector, the rise of subscription-based content has spurred demand for innovative payment mechanisms. Meanwhile, the Hospitality industry, which is a major contributor to Japan's economy, relies heavily on seamless payment services to enrich customer interactions and enhance operational efficiency. The market is characterized by fierce competition and rapidly changing technologies, compelling players to innovate continuously. 

As consumer habits evolve and new trends emerge, these verticals offer substantial opportunities for growth while also presenting challenges such as regulatory compliance and data security risks.The ongoing shift towards digital payment solutions, particularly accelerated by the COVID-19 pandemic, underscores the vital role of these sectors in shaping the future of the Japan Payment Service Market.

## **Japan Payment Service Market Key Players and Competitive Insights**

The Japan Payment Service Market is characterized by a dynamic landscape featuring a variety of traditional and innovative players vying for consumer attention. With a strong emphasis on technological advancements and the rising penetration of digital payment methods, firms are continuously enhancing their offerings to cater to the evolving preferences of Japanese consumers. Increasing smartphone adoption and the growing trust in mobile commerce have paved the way for various payment solutions that include mobile wallets, contactless payments, and payment gateways.

In addition, the regulatory environment in Japan is gradually adapting to support the digital transformation, leading to intensified competition among businesses striving to capture market share while ensuring compliance with local laws and standards.

LINE Pay holds a significant position in the Japan Payment Service Market, owing to its seamless integration with LINE, one of the most popular messaging applications in the country. Its ease of use and user-friendly interface have contributed to its widespread adoption among consumers, helping users make transactions swiftly and conveniently. LINE Pay benefits from the expansive user base of LINE, which enhances its market presence and brand recognition. Additionally, the service is well-positioned to leverage promotional campaigns and rewards programs that are integrated within the LINE app, further fostering customer loyalty and engagement. 

The ability to conduct peer-to-peer transactions and support various merchant partnerships also strengthens LINE Pay's competitive edge in this vibrant market.Sony Payment Services is another noteworthy participant in the Japan Payment Service Market, recognized for its innovative payment solutions that align with its broader technological ecosystem. The company offers a range of services, including payment processing, fraud prevention, and digital wallet solutions tailored to consumer and business needs. 

Sony Payment Services has strategically positioned itself to serve a diverse customer base, leveraging its established brand reputation and technological capabilities to enhance service delivery. The company has been involved in various partnerships and collaborations, further solidifying its market presence through mergers and acquisitions that expand its service offerings. By integrating its payment solutions with various Sony products and platforms, the company enhances user experience while addressing unique consumer preferences within Japan's highly competitive payment market landscape.

### **Key Companies in the Japan Payment Service Market Include:**

- LINE Pay
- Sony Payment Services
- NTT Data
- Camtel
- Rakuten
- PayPay
- [JCB](https://corporate.payu.com/resource-hub/payment-methods-encyclopedia/jcb/#:~:text=JCB%20(Japan%20Credit%20Bureau)%20is,that%20its%20cards%20function%20worldwide.)
- SBI Holdings
- SoftBank
- Fujitsu
- Payme
- Sumitomo Mitsui Trust Bank
- Zettle
- Mizuho Bank

### **Japan Payment Service Market Developments**

The Japan Payment Service Market is witnessing significant developments, notably in mobile payment solutions and digital wallets. LINE Pay has been expanding its services to enhance user engagement, while PayPay continues to grow its market share through strong partnerships and promotions. In September 2023, it was reported that Sony Payment Services is investing in blockchain technology to modernize its payment infrastructure. 

Recent growth in E-commerce has driven major players like Rakuten and NTT Data to innovate their payment offerings, leading to heightened competition. Furthermore, Mizuho Bank and SBI Holdings have been collaborating to enhance mobile banking capabilities, reflecting a trend towards integrated financial solutions. In August 2023, JCB announced a strategic partnership with an overseas fintech company to expand its international reach. 

On the mergers and acquisitions front, in May 2023, SoftBank acquired a significant stake in Camtel, aiming to bolster its technological capabilities in payment services. The market valuation of companies within this space has seen upward trends as consumer adoption of digital payments accelerates, reflecting Japan's push towards a cashless society.

## **Japan Payment Service Market Segmentation Insights**

### **Payment Service Market Service Outlook**

- - Professional - Managed - Platform

### **Payment Service Market Vertical Outlook**

- - BFSI - Retail - Healthcare - Media & Entertainment - Hospitality

## Market Drivers

### Expansion of E-commerce Platforms

The growth of e-commerce platforms in Japan is a critical driver for the payment service market. With online retail sales projected to reach ¥20 trillion by 2025, the demand for efficient payment solutions is escalating. This surge in e-commerce is prompting businesses to adopt diverse payment methods, including digital wallets and buy-now-pay-later options. As a result, The sector is witnessing increased competition among providers to offer innovative solutions that meet the needs of online shoppers. This competitive landscape is expected to enhance service offerings and drive further growth in the payment service market.

### Rise of Cross-Border Transactions

The increase in cross-border transactions is emerging as a vital driver for the payment service market in Japan. As Japanese businesses expand their reach internationally, the demand for efficient and secure payment solutions is growing. Recent data suggests that cross-border e-commerce transactions have surged by 35% in the last year, highlighting the need for payment services that can handle multiple currencies and comply with various regulations. This trend is prompting payment service providers to enhance their offerings, ensuring they can cater to the complexities of international transactions, thus fostering growth in the payment service market.

### Increasing Consumer Demand for Convenience

Consumer preferences in Japan are shifting towards convenience, significantly impacting the payment service market. A recent survey indicates that 70% of consumers prioritize ease of use when selecting payment methods. This trend has led to a surge in mobile payment applications, with a 40% increase in downloads over the past year. Additionally, the rise of e-commerce has further fueled this demand, as consumers seek seamless payment solutions that integrate with their online shopping experiences. As businesses adapt to these changing preferences, the payment service market is likely to expand, catering to the growing need for convenient transaction options.

### Technological Advancements in Payment Systems

The payment service sector in Japan is experiencing a notable transformation due to rapid technological advancements. Innovations such as blockchain technology and artificial intelligence are enhancing transaction security and efficiency. For instance, the integration of AI in fraud detection systems has led to a reduction in fraudulent activities by approximately 30%. Furthermore, the adoption of biometric authentication methods is gaining traction, with 25% of consumers expressing a preference for fingerprint or facial recognition payments. These technological developments not only streamline payment processes but also foster consumer trust, thereby driving growth in the payment service market.

### Government Initiatives Promoting Cashless Transactions

The Japanese government is actively promoting cashless transactions, which is significantly influencing the payment service market. Initiatives such as tax incentives for businesses adopting digital payment systems and campaigns to raise awareness about the benefits of cashless transactions are underway. As of November 2025, approximately 50% of retail transactions are conducted electronically, reflecting a shift in consumer behavior. These government efforts not only facilitate the transition to a cashless society but also encourage investment in payment technologies, thereby propelling the growth of the payment service market.

## Future Outlook

The payment service market in Japan is projected to grow at a 20.8% CAGR from 2025 to 2035, driven by technological advancements, increased digital transactions, and evolving consumer preferences.

**New opportunities:**

- Integration of AI-driven fraud detection systems Expansion of mobile payment solutions in rural areas Development of blockchain-based payment platforms for enhanced security

By 2035, the payment service market is expected to achieve substantial growth and innovation.

## Segment Insights

### By Service: Professional (Largest) vs. Managed (Fastest-Growing)

In the Japan payment service market, the service segment is significantly diversified, with Professional services holding the largest market share among the segments. This reflects a strong preference for expert solutions that cater to the specific needs of businesses. Managed services, while smaller currently, are gaining traction, catering to companies looking for outsourced management of their payment processes. This shift indicates a growing acceptance of managed solutions as businesses strive for efficiency and focus on core operations.

Growth trends within the service segment show a consistent rise in demand for both Professional and Managed services. The fastest-growing area, Managed services, is being driven by technological advancements and the increasing complexity of payment systems. Companies are recognizing the benefits of leveraging these specialized solutions, leading to an upsurge in service adoption as they seek to enhance operational efficiency and reduce costs in the competitive market landscape.

Professional: Dominant vs. Managed: Emerging

Professional services are currently the dominant force in the Japan payment service market, characterized by their tailored offerings designed to meet the unique demands of various sectors. These services include consultancy, implementation, and support, enabling businesses to optimize their payment systems. On the other hand, Managed services are emerging, providing organizations with a robust solution to handle payment processing without extensive internal resources. As companies increasingly prioritize efficiency, Managed services are rapidly capturing interest, appealing to small and medium-sized enterprises looking to outsource their payment operations. Together, these service categories reflect the evolving landscape of payment solutions, shaped by innovation and the necessity of optimizing financial processes.

### By Vertical: BFSI (Largest) vs. Retail (Fastest-Growing)

In the Japan payment service market, the distribution of market share among various verticals reveals that the BFSI sector holds the largest share, driven by inherent demand for secure and reliable transaction methods. Retail follows closely, showcasing a robust presence as consumers increasingly prefer digital payment solutions. Both sectors are pivotal, with BFSI's traditional dominance juxtaposed against Retail's rapid expansion in digital adoption.

Growth trends within these segments are influenced by technological advancements and shifting consumer preferences. As digital solutions and contactless payments become more integrated, Retail is experiencing the fastest growth among the verticals. BFSI, while solid, is seeing specialized innovations aimed at enhancing user experience, making both sectors vital to the overall evolution of the market.

BFSI: Stronghold (Dominant) vs. Retail: Digital Surge (Emerging)

The BFSI sector remains a stronghold in the Japan payment service market, characterized by its vast range of financial services including banking, insurance, and investment solutions. This segment thrives on customer trust and regulatory compliance, ensuring secure transactions which are paramount for users. Conversely, Retail is emerging with a digital surge, capitalizing on the shift in consumer behavior towards e-commerce and mobile payments. Retail's agility in adopting new technologies enables it to cater to evolving customer demands, presenting significant opportunities for growth. The dynamic landscape within these two segments indicates a balanced yet competitive environment, wherein BFSI maintains stability while Retail leverages innovation for rapid advancement.

## Competitive Benchmarking

The payment service market in Japan is characterized by a dynamic competitive landscape, driven by rapid technological advancements and evolving consumer preferences. Key players such as PayPal (US), Square (US), and Alipay (CN) are actively reshaping their strategies to capture market share. PayPal (US) has focused on enhancing its digital wallet capabilities, aiming to integrate more seamlessly with local e-commerce platforms. Square (US) has emphasized its point-of-sale solutions, targeting small to medium-sized enterprises (SMEs) with tailored offerings. Alipay (CN), on the other hand, is leveraging its extensive user base to expand its services beyond traditional payments, venturing into financial services and lifestyle applications. Collectively, these strategies indicate a trend towards comprehensive service offerings that cater to diverse consumer needs, thereby intensifying competition in the market.In terms of business tactics, companies are increasingly localizing their services to better align with Japanese consumer behavior. This includes optimizing supply chains and enhancing customer support to foster loyalty. The market appears moderately fragmented, with several players vying for dominance, yet the influence of major companies remains substantial. The collective actions of these key players are likely to shape the market structure, as they innovate and adapt to local demands.

In October PayPal (US) announced a partnership with a leading Japanese e-commerce platform to enhance payment processing capabilities. This strategic move is expected to streamline transactions for millions of users, thereby increasing PayPal's penetration in the Japanese market. The partnership signifies PayPal's commitment to localizing its services and enhancing user experience, which could potentially lead to increased market share.

In September Square (US) launched a new feature aimed at integrating cryptocurrency payments into its existing point-of-sale systems. This initiative reflects Square's forward-thinking approach, as it seeks to attract tech-savvy consumers and businesses interested in digital currencies. The introduction of this feature may position Square as a pioneer in the cryptocurrency payment space within Japan, appealing to a growing demographic of users.

In August Alipay (CN) expanded its services to include a new financial management tool tailored for Japanese consumers. This tool allows users to track spending and manage budgets more effectively. By diversifying its offerings, Alipay is not only enhancing customer engagement but also establishing itself as a comprehensive financial service provider, which could lead to increased user retention and loyalty.

As of November the competitive trends in the payment service market are increasingly defined by digitalization, sustainability, and the integration of artificial intelligence (AI). Strategic alliances among companies are becoming more prevalent, as they seek to leverage each other's strengths to enhance service delivery. The competitive differentiation is likely to evolve from traditional price-based competition towards a focus on innovation, technology, and supply chain reliability. This shift suggests that companies that prioritize technological advancements and customer-centric solutions will be better positioned to thrive in the future.

## Recent News & Developments

The Japan Payment Service Market is witnessing significant developments, notably in mobile payment solutions and digital wallets. LINE Pay has been expanding its services to enhance user engagement, while PayPay continues to grow its market share through strong partnerships and promotions. In September 2023, it was reported that Sony Payment Services is investing in blockchain technology to modernize its payment infrastructure. 

Recent growth in E-commerce has driven major players like Rakuten and NTT Data to innovate their payment offerings, leading to heightened competition. Furthermore, Mizuho Bank and SBI Holdings have been collaborating to enhance mobile banking capabilities, reflecting a trend towards integrated financial solutions. In August 2023, JCB announced a strategic partnership with an overseas fintech company to expand its international reach. 

On the mergers and acquisitions front, in May 2023, SoftBank acquired a significant stake in Camtel, aiming to bolster its technological capabilities in payment services. The market valuation of companies within this space has seen upward trends as consumer adoption of digital payments accelerates, reflecting Japan's push towards a cashless society.

## Report Scope

| MARKET SIZE 2024 | 392.28(USD Million) |
| --- | --- |
| MARKET SIZE 2025 | 473.87(USD Million) |
| MARKET SIZE 2035 | 3136.28(USD Million) |
| COMPOUND ANNUAL GROWTH RATE (CAGR) | 20.8% (2025 - 2035) |
| REPORT COVERAGE | Revenue Forecast, Competitive Landscape, Growth Factors, and Trends |
| BASE YEAR | 2024 |
| Market Forecast Period | 2025 - 2035 |
| Historical Data | 2019 - 2024 |
| Market Forecast Units | USD Million |
| Key Companies Profiled | PayPal (US), Square (US), Adyen (NL), Stripe (US), Worldpay (GB), Alipay (CN), WeChat Pay (CN), Visa (US), Mastercard (US) |
| Segments Covered | Service, Vertical |
| Key Market Opportunities | Integration of blockchain technology enhances security and efficiency in the payment service market. |
| Key Market Dynamics | Rising demand for contactless payments drives innovation and competition in Japan's payment service market. |
| Countries Covered | Japan |

## Frequently Asked Questions

**Q: What is the current valuation of the Japan payment service market?**
A: The market valuation was $392.28 Million in 2024.

**Q: What is the projected market valuation for the Japan payment service market in 2035?**
A: The projected valuation for 2035 is $3136.28 Million.

**Q: What is the expected CAGR for the Japan payment service market from 2025 to 2035?**
A: The expected CAGR during the forecast period 2025 - 2035 is 20.8%.

**Q: Which companies are the key players in the Japan payment service market?**
A: Key players include PayPal, Square, Adyen, Stripe, Worldpay, Alipay, WeChat Pay, Visa, and Mastercard.

**Q: What were the service segment valuations in the Japan payment service market?**
A: In 2024, the service segment valuations were Professional: $78.46 Million, Managed: $117.69 Million, and Platform: $196.13 Million.

**Q: How does the BFSI sector perform in the Japan payment service market?**
A: The BFSI sector had a valuation of $50.0 Million in 2024, projected to grow significantly by 2035.

**Q: What is the retail sector's contribution to the Japan payment service market?**
A: The retail sector's valuation was $100.0 Million in 2024, indicating substantial growth potential.

**Q: What were the healthcare sector valuations in the Japan payment service market?**
A: The healthcare sector was valued at $60.0 Million in 2024, with expectations for future growth.

**Q: How does the hospitality sector compare in the Japan payment service market?**
A: The hospitality sector had a valuation of $30.0 Million in 2024, suggesting room for expansion.

**Q: What is the media and entertainment sector's valuation in the Japan payment service market?**
A: The media and entertainment sector was valued at $40.0 Million in 2024, indicating potential for future growth.


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