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Main themes The ‘borders’ of Pofib’s expertise is being determined by two main themes, namely: 1. the company sector that are involved as potential receivers of the Pofib services. These company sectors are characterised by their intend to deliver mass retail financial services to the broader public all over the country in co-operation with postal companies, in a branchless banking concept; 2. the total package of retail financial services composed of existing postal financial services and of new and modern (mass) retail financial services
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