發送短信

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

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發送短信 : Factors Contributing to the Development of the Retail Banking Services in Hanoi, Vietnam