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  _____     _____     ______   __   __    _  __  
 /  ___||  |  ___||  /_   _//  \ \\/ //  | |/ // 
| // __    | ||__      | ||     \ ` //   | ' //  
| \\_\ ||  | ||__     _| ||      | ||    | . \\  
 \____//   |_____||  /__//       |_||    |_|\_\\ 
  `---`    `-----`   `--`        `-`'    `-` --`

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Text this: Factors Contributing to the Development of the Retail Banking Services in Hanoi, Vietnam