Blog
This post is also available in: Japan (Japan)AI Agent – Tác nhân trí tuệ nhân tạo là một hệ thống trí tuệ nhân tạo có thể quan sát, suy nghĩ và hành động để thực hiện một nhiệm vụ nào đó. Nó giống như một trợ lý thông minh có khả năng tự động thu […]
eCommerce
This post is also available in: Japan (Japan)What benefits can custom eCommerce solutions bring to your business? Is it worth investing? The eCommerce industry is growing fast and is projected to achieve as much as $6.86 trillion by 2025. At this rate of growth, the choice of platform becomes very critical to any business operating […]
eCommerce
This post is also available in: Japan (Japan)Shopify vs Woocommerce vs Magento: The right platform could mean success or doom for your online business. At projected global ecommerce sales of $6.3 trillion by 2024, the stakes don’t get any higher. Shopify, WooCommerce, and Magento clearly lead the process, but which fits your needs best? […]
eCommerce
This post is also available in: Japan (Japan)2024 & 2025 are the year to turn your online business dreams into a reality with the exciting world of dropshipping. The great thing about this business model is that it’s simple, low-cost, and requires minimal effort to set up your eCommerce store, find products to sell, and […]
eCommerce
This post is also available in: Japan (Japan)As more and more people turn to online shopping, the demand for eCommerce businesses has never been higher. In fact, the global dropshipping market was valued at $351.8 billion in 2024 and is expected to grow at a CAGR of 23.6% from 2023 to 2032. This makes it […]
Technology Trends
This post is also available in: Japan (Japan)Best technology trends are the beacons that guide us towards the future. As we navigate through 2025, a year brimming with potential, we must stay ahead of the curve. Here’s why: By 2025, 77% of organizations will shift from piloting to operationalizing AI, making it a cornerstone […]
Software Development
This post is also available in: Japan (Japan)Looking for the best programming languages for AI? We’ve got the top 5 popular answers that you must try! Believe it or not, one such field that still has roped in the growth phase is artificial intelligence (AI). According to a Grand View Research report, the global artificial […]
Software Development
This post is also available in: Japan (Japan)Are you looking for the best AI coding assistants? Here are our top 5 with excellent autocomplete features. We ranked #1 as the most advanced AI code assistant that we have ever seen! Coding is often like a labyrinth, with each line of code opening up into […]
Software Development
This post is also available in: Japan (Japan)The difference between low-code vs no-code platform comes down to how much coding: Low-code may need a bit more for further customization, whereas no-code platforms are designed to run without a single line of code written. However, do low-code and no-code truly deliver on their promise of efficiency […]
AI
Most business processes involve extracting information from printed media. Forms such as paper, invoices, scanned legal documents, and printed contracts are integral to business operations. Managing these voluminous documents requires significant time and space, prompting the integration of OCR AI technology.
AI
This post is also available in: Japan (Japan)In today’s rapidly evolving technological landscape, the concept of open artificial intelligence (AI) is gaining immense prominence. This article delves into the world of open AI, shedding light on its potential, risks, and its role in shaping our future. Join us on this exciting journey as we explore […]
AI
This post is also available in: Japan (Japan)Từ khi trí tuệ nhân tạo (AI) xuất hiện, nó đã tạo động lực cho nhiều lĩnh vực khác nhau. Hãy cùng chúng tôi tìm hiểu và khám phá những ứng dụng hàng đầu của công nghệ AI trong ngành ngân hàng! Trí tuệ nhân tạo (AI) […]
Banking
This post is also available in: Japan (Japan)A mobile banking app can help clients have a good experience when using banking services. Aside from that, investing in mobile banking application development gives a great advantage in cost reduction for banking institutions. So, many banks are looking for a mobile application development company. Finding a reliable […]
Banking
This post is also available in: Japan (Japan)The digital era has revolutionized the way the bank provides its services and the customer is the primary driver of change because of more seamless, personalized experiences. It has become evident that the winners in the banking digital race will be the ones who stay closer to their […]
Banking
This post is also available in: Japan (Japan)Currently, going digital is the best way for banks and financial institutions to survive in the growing world. In this article, you can find all essentials you need to know how to find an offshore development center to build a digital bank. Why hire an offshore development […]
Banking and Finance
This post is also available in: Japan (Japan)Industry 4.0, digital transformation is now no longer a choice; it is an inevitable development trend for businesses, consumers and society. In Vietnam, Digital Banking has become a cornerstone of financial software development. As a report, 94 percent of banks in Vietnam are investing in digitization, and 42 […]
Banking and Finance
This post is also available in: Japan (Japan)You’re looking for a mobile banking software development company, the most important question you want to answer is how much does it cost? Choosing mobile banking software development is very important, especially there are so many options. You need to understand the purpose of business to make the […]
Banking and Finance
This post is also available in: Japan (Japan)Take a look at the below-mentioned top 5 mobile banking trends in 2020 that must be followed to stay in the race. 1. Voice banking Most mobile phone users are now familiar with performing voice searches using Google and Bing. Voice commands are expected to make […]
Blog
This post is also available in: Japan (Japan)AI Agent – Tác nhân trí tuệ nhân tạo là một hệ thống trí tuệ nhân tạo có thể quan sát, suy nghĩ và hành động để thực hiện một nhiệm vụ nào đó. Nó giống như một trợ lý thông minh có khả năng tự động thu […]
Blog
This post is also available in: Japan (Japan)2024 & 2025 are the year to turn your online business dreams into a reality with the exciting world of dropshipping. The great thing about this business model is that it’s simple, low-cost, and requires minimal effort to set up your eCommerce store, find products to sell, and […]
Blog
This post is also available in: Japan (Japan)As more and more people turn to online shopping, the demand for eCommerce businesses has never been higher. In fact, the global dropshipping market was valued at $351.8 billion in 2024 and is expected to grow at a CAGR of 23.6% from 2023 to 2032. This makes it […]
Case Studies
This post is also available in: Japan (Japan)Unifimoney Inc., the turnkey digital wealth management platform for Community Banks and Credit Unions, raised $10 million in a seed round on April 6, 2022. Unifimoney’s product development and operations will be strengthened as a part of the investment, which will enable the company to support alternative assets such […]
Case Studies
Unifimoney is a full-featured Neobank for high earning professionals which is based in San Francisco but a genuinely international team speaking over 7 languages between them.
Case Studies
This post is also available in: Japan (Japan)Unifimoney is a full-featured Neobank for high earning professionals which is based in San Francisco but a genuinely international team speaking over 7 languages between them. Unifimoney brings together the experience of both the traditional financial services world and the digital to create a service that is the […]
Digital Transformation
This post is also available in: Japan (Japan)Digital transformation is a top priority for many businesses with the great benefits it brings. Through this article, let’s learn more about this topic with Innotech Vietnam. What is Digital Transformation? There are many different definitions for digital transformation, and there are also differences in […]
Digital Transformation
This post is also available in: Japan (Japan)In the Finance – Banking industry, customers always want to experience simple services with good quality. They are too frustrated when it comes to complicated, confusing and time-consuming procedures to go through the bank. Therefore, the trend of digital transformation in banks becomes inevitable, pushing banks to race […]
Digital Transformation
This post is also available in: Japan (Japan)Trước sự phát triển của công nghệ, đã tác động đến các lĩnh vực kinh tế – xã hội, trong đó có lĩnh vực ngân hàng. Tác động này cũng đã tạo ra những thách thức cho lĩnh vực digital transformation in banking ở Việt Nam. Theo số […]
Dropshipping Products
This post is also available in: Japan (Japan)2024 & 2025 are the year to turn your online business dreams into a reality with the exciting world of dropshipping. The great thing about this business model is that it’s simple, low-cost, and requires minimal effort to set up your eCommerce store, find products to sell, and […]
eCommerce
This post is also available in: Japan (Japan)What benefits can custom eCommerce solutions bring to your business? Is it worth investing? The eCommerce industry is growing fast and is projected to achieve as much as $6.86 trillion by 2025. At this rate of growth, the choice of platform becomes very critical to any business operating […]
eCommerce
This post is also available in: Japan (Japan)Shopify vs Woocommerce vs Magento: The right platform could mean success or doom for your online business. At projected global ecommerce sales of $6.3 trillion by 2024, the stakes don’t get any higher. Shopify, WooCommerce, and Magento clearly lead the process, but which fits your needs best? […]
eCommerce
This post is also available in: Japan (Japan)2024 & 2025 are the year to turn your online business dreams into a reality with the exciting world of dropshipping. The great thing about this business model is that it’s simple, low-cost, and requires minimal effort to set up your eCommerce store, find products to sell, and […]
eKYC category
This post is also available in: Japan (Japan)In Vietnam, the number of software companies is increasing day by day. However, providing eKYC solution in banking and finance, only a few companies can deploy well. What will the eKYC solution bring to banking and finance industry? eKYC solution bring countless benefits to banking and […]
eKYC category
This post is also available in: Japan (Japan)eKYC – digital identity verification is a top searching keyword for banking institutions in Vietnam when the information from the State Bank of Vietnam about the draft allows the operation of opening bank accounts for cashless in May 2020. Let’s be with Innotech Vietnam to dissect the challenges […]
eKYC category
This post is also available in: Japan (Japan)Customer identity by video call in the eKYC process for the bank is a quicker, more convenient and effective method to eliminate information fraud. What is video call verification? The video call verification of identity when the customer makes a request to register for membership or […]
eKYC Solution
This post is also available in: Japan (Japan)OCR (Optical Character Recognition) is a technology that identifies characters from printed books, handwritten papers, or images. With this technology, businesses and users can rapidly transfer documents into their digital systems, and data analysis tools can process the relevant data. In 2021, OCR still provides outstanding results only […]
eKYC Solution
This post is also available in: Japan (Japan)KYC là gì? eKYC là gì? Tại sao KYC lại trở thành tiêu chuẩn trong ngành tài chính, ngân hàng. Hãy cùng chúng tôi tìm hiểu! KYC là gì? KYC (Know Your Customer) có nghĩa là Biết khách hàng của bạn, là quy trình để xác […]
eKYC Solution
This post is also available in: Japan (Japan)In Vietnam, the number of software companies is increasing day by day. However, providing eKYC solution in banking and finance, only a few companies can deploy well. What will the eKYC solution bring to banking and finance industry? eKYC solution bring countless benefits to banking and […]
Fintech Blogs
This post is also available in: Japan (Japan)Sự phát triển của công nghệ thông tin, những đổi mới liên tục trong ngành tài chính cũng như sức tăng trưởng khủng khiếp của tiền ảo đã làm thay đổi hoàn toàn cách chúng ta sử dụng tiền tệ. Vì vậy, tiềm năng phát triển của Blockchain […]
Fintech Blogs
This post is also available in: Japan (Japan)Neobank is an increasingly popular keyword in the Fintech industry. However, not everyone clearly understands what Neobank is, or its advantages and disadvantages. What is a Neobank? Neobank is a kind of digital bank, with no transaction offices, no bank branches. It allows customers to […]
Fintech Blogs
This post is also available in: Japan (Japan)During the pandemic, Fintech still grows up and stays strong. The reason is people now relied on virtual financial services as they cannot go out for any offline transactions. People also believe that one person in cities and big cities uses Fintech at least one time in their […]
Home page
This post is also available in: Japan (Japan)Unifimoney Inc., the turnkey digital wealth management platform for Community Banks and Credit Unions, raised $10 million in a seed round on April 6, 2022. Unifimoney’s product development and operations will be strengthened as a part of the investment, which will enable the company to support alternative assets such […]
Home page
This post is also available in: Japan (Japan)As banks look to adjust their operating models and business strategies to better align with shifting consumer behaviors and expectations. So, they should take notice of the digital banking trends expected to impact in the coming years. The Increasing of Digital Banking The number of digital […]
Home page
This post is also available in: Japan (Japan)Take a look at the below-mentioned top 5 mobile banking trends in 2020 that must be followed to stay in the race. 1. Voice banking Most mobile phone users are now familiar with performing voice searches using Google and Bing. Voice commands are expected to make […]
Kingwork - A Modern HRM Flatform
This post is also available in: Japan (Japan)In today’s rapidly evolving business landscape, Human Resources (HR) has become a strategic powerhouse. Gone are the days when HR was solely responsible for administrative tasks and paperwork. With the advent of technology, HR has undergone a significant transformation, adopting innovative tools and strategies to attract, manage, and […]
Kingwork - A Modern HRM Flatform
This post is also available in: Japan (Japan)Quản trị nguồn nhân lực HRM trong thời đại 4.0 đã trở nên rất khác so với quản trị nhân sự truyền thống. Các phần mềm quản trị nhân sự HRM nổi lên và thế chỗ cho các công cụ thủ công khác. Sự ra đời của các […]
Kingwork - A Modern HRM Flatform
This post is also available in: Japan (Japan)For an enterprise, people are the center of success and sustainable development. Therefore, human resource management system (HRMS) is increasingly interested and has made great strides. In which, Innotech Vietnam provides the leading Cloud-based HRMS solution. Cloud-based HRMS solution Cloud-based HRMS is a human resource […]
Mobile app category
This post is also available in: Japan (Japan)In the past few years, the mobile application industry has attained a new height and it makes a major impact on economic growth. Mobile app usage has grown by 75% and the download rates of US consumer on Android and iPhone platform mobile app is around 8.0%. Due […]
Mobile app category
This post is also available in: Japan (Japan)In the past few years, the mobile application industry has attained a new height and it makes a major impact on economic growth. Mobile app usage has grown by 75% and the download rates of US consumer on Android and iPhone platform mobile app is around 8.0%. (Top […]
Mobile app category
This post is also available in: Japan (Japan)Do you want to build a Mobile App? You are searching for reliable mobile app development services for your business. Finding it is not easy. If you are in this situation and struggling to find a good technology company to build a mobile application for your business you […]
Mobile App Development
This post is also available in: Japan (Japan)It can’t be denied that the smartphone industry and innovative apps have played an important role in humans’ daily life. These mobile apps have developed every single day to satisfy the demand of customers and market tendency. This article will mention 10 mobile app development trends to be […]
Mobile Application
This post is also available in: Japan (Japan)Sự ra đời của SaaS đã cách mạng hóa cách thức cung cấp phần mềm, trở thành một xu thế tất yếu mà không một ai hay lĩnh vực nào có thể đứng ngoài cuộc chơi. 1. SaaS Là Gì? Software as a Service (SaaS) là […]
Mobile Application
This post is also available in: Japan (Japan)Mobile phones have now become an indispensable part of everyone’s life. We use our phones to access the internet, communicate with family and friends, make transactions… Therefore, there is a growing need for mobile app development and understanding of mobile programming languages is becoming increasingly important. The following […]
Mobile Application
This post is also available in: Japan (Japan)A P2P lending app can help both lenders and borrowers have a good experience when using services. Aside from that, investing in P2P lending app development gives a great advantage in cost reduction. Finding a reliable P2P lending app development company is very difficult because the software market […]
News - Events
This post is also available in: Japan (Japan)[INNOTECH CHARITY PROGRAM] Profit is nothing without Social Responsibility – Kim chỉ nam của Innotech Vietnam. Ngày 24/9 vừa qua, công ty Innotech Vietnam đã tổ chức thành công chuyến đi thiện nguyện tại Tu viện Liễu Quán, Đắk Nông. Hơn 1000 phần quà đã được trao tận […]
News - Events
This post is also available in: Japan (Japan)Yesterday, Innotech extended a warm welcome to our guest – BNI Master for visiting our head office in HCMC.💙 The business tour began with a short conference hosted by our CEO – Mr. Linh. After getting to know more about Innotech’s establishment and our services, the guests […]
News - Events
This post is also available in: Japan (Japan)Hội khuyết tật tỉnh Quảng Ngãi phối hợp với Qũy Trái tim nhân ái đã tổ chức thành công chương trình thiện nguyện “Gắn kết yêu thương, sẻ chia gắn kết” đồng hành cùng người khuyết tật Lần thứ 2 vừa diễn ra tại TP Quảng Ngãi cùng […]
Offshore Outsourcing
This post is also available in: Japan (Japan)Vietnam has emerged as an attractive destination for offshore outsourcing, particularly in the Information Technology (IT) sector, thanks to its competitive costs and skilled workforce. Low production costs and an abundant, diverse labor pool have captured the attention of global companies. Have you ever wondered why many international […]
Offshore Outsourcing
This post is also available in: Japan (Japan)When considering outsourcing, weighing the advantages and risks associated with this practice is crucial. Outsourcing, as a strategic business practice in today’s globalized economy, involves delegating specific tasks or processes to external service providers. Despite its advantages, this approach comes with its own set of challenges that businesses […]
Offshore Outsourcing
This post is also available in: Japan (Japan)In the dynamic landscape of modern business operations, the practice of IT outsourcing company functions, services, or projects has become increasingly prevalent. This strategic approach enables enterprises to focus on their core competencies while leveraging external expertise to handle IT-related tasks efficiently. As companies seek to optimize resources […]
Software Development
This post is also available in: Japan (Japan)Best technology trends are the beacons that guide us towards the future. As we navigate through 2025, a year brimming with potential, we must stay ahead of the curve. Here’s why: By 2025, 77% of organizations will shift from piloting to operationalizing AI, making it a cornerstone […]
Software Development
This post is also available in: Japan (Japan)Looking for the best programming languages for AI? We’ve got the top 5 popular answers that you must try! Believe it or not, one such field that still has roped in the growth phase is artificial intelligence (AI). According to a Grand View Research report, the global artificial […]
Software Development
This post is also available in: Japan (Japan)Are you looking for the best AI coding assistants? Here are our top 5 with excellent autocomplete features. We ranked #1 as the most advanced AI code assistant that we have ever seen! Coding is often like a labyrinth, with each line of code opening up into […]
Technology Trends
This post is also available in: Japan (Japan)Best technology trends are the beacons that guide us towards the future. As we navigate through 2025, a year brimming with potential, we must stay ahead of the curve. Here’s why: By 2025, 77% of organizations will shift from piloting to operationalizing AI, making it a cornerstone […]
Website Application
This post is also available in: Japan (Japan)気づきましたか？世界は別の場所です。ビジネスのルールが変更されました、採用、従業員の検索、新しい顧客へのアプローチ、それに彼らはあなたに連絡するため新しい方法があります。規模の経済がへんこしました。巨大な規模で物事を行うにはより費用がかかり、ミクロの規模で実施するには安くになっています。マスマーケットアイテムは魅力を失い、人々はフランチャイズの同一性の世界で本物の個人的なつながりを切望しています。 お客様として、私たちはすべての情報を知りたい。会社の製品が何であるか、それらがいくら、そして私達にそれらを購入するときどのような利益を得るかを知りたいのです。Facebook、Google, Twitter、Yelp、その他の何千ものウェブサイトを通じて、他のユーザーがあなたの会社の製品にコメントしたことを知りたいです。 もちろん、これについても追加で支払いたくありません。 私たちはクライアントの声に耳を傾けてきており、ウェブでの成功を支援するまったく新しい方法を生み出しました。ここでは、Webプロジェクトの一般的な実行方法に関する10の問題を示します。私たちはこれらの問題をすべて経験しましたが、重要なことに、それらを解決する方法を見つけました。 問題1：誰もがそれがいくらになるか知りたいです。 Web開発プロジェクトの予算を決定する必要があります 以前のやり方では、特定のプロジェクトにかかる費用はわかりませんでした。問題の一部は、あなたが何を購入したいのか、または勝利を宣言してプロジェクトを完了するまでにどれだけの細かい作業が必要かが分からないことです。 解決策1：前払い予算に同意する。 達成しようとしていることに対して予算が妥当かどうかをお知らせします。それがタイトな場合は、機能の優先順位付けを支援し、予算が使い果たされる前に重要な機能が最初に実行されるようにします。 問題2：要件が明確に確定されていない。 過去15年間にウェブ開発会社を雇ったことがあれば、完成したサイトの外観と運用方法について非常に具体的かつ詳細である必要があることを学んだことでしょう。プロジェクトの全体的なコストは、いくつかプラットフォームを悪い選択にする最終的には一見マイナーな要件に基づいて大幅に変化する可能性があります。 問題3：ビジネス上の理由で要件を変更する必要がある。 あなたは新しいウェブサイトプロジェクトに参加し、要件が本当に必要ないくつかの重要な機能を無視するか、ソースデータを十分に指定していないことを認識します。 開発者が契約を再交渉して変更の順序を追加する必要があるため、すべての作業を停止しています。 彼らはより多くを支払っていて、プロジェクトが遅れているので、顧客は不満です。開発者は、自分がやっていることをやめ、商売について話さなければならないことに不満を感じています。そのため、これを行わずに作業を投入するだけで、支払いに苦労することがよくあります。 問題4：要件により、より適切なソリューションに変更を防ぐ。 私たちはサイトの構築の途中にあり、別のアプローチまたはプラットフォームを選択した場合、最終結果はクライアントにとってはるかにうまく機能することを理解しています。しかし、現在の開発の道筋をたどってバックアップするのは十分であり、元のアプローチは要件を満たしています。私たちはより良いサイトを提供することに不満を抱いており、顧客は最終的には不格好なサイトになってしまいますが、クライアントに戻って再交渉するよりも簡単です。 ソリューション2、3、4：要件を解く 要件は1つの目的を果たします。要件は、一方の側がもう一方の側からより多くの作業またはより多くの現金を引き出すために使用できる地面の利害関係です。これはほとんど常に恨みを生み出し、小規模なWebプロジェクトではほとんど必要ありません。 […]
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This post is also available in: Japan (Japan)気づきましたか？世界は別の場所です。ビジネスのルールが変更されました、採用、従業員の検索、新しい顧客へのアプローチ、それに彼らはあなたに連絡するため新しい方法があります。規模の経済がへんこしました。巨大な規模で物事を行うにはより費用がかかり、ミクロの規模で実施するには安くになっています。マスマーケットアイテムは魅力を失い、人々はフランチャイズの同一性の世界で本物の個人的なつながりを切望しています。 お客様として、私たちはすべての情報を知りたい。会社の製品が何であるか、それらがいくら、そして私達にそれらを購入するときどのような利益を得るかを知りたいのです。Facebook、Google, Twitter、Yelp、その他の何千ものウェブサイトを通じて、他のユーザーがあなたの会社の製品にコメントしたことを知りたいです。 もちろん、これについても追加で支払いたくありません。 私たちはクライアントの声に耳を傾けてきており、ウェブでの成功を支援するまったく新しい方法を生み出しました。ここでは、Webプロジェクトの一般的な実行方法に関する10の問題を示します。私たちはこれらの問題をすべて経験しましたが、重要なことに、それらを解決する方法を見つけました。 問題1：誰もがそれがいくらになるか知りたいです。 Web開発プロジェクトの予算を決定する必要があります 以前のやり方では、特定のプロジェクトにかかる費用はわかりませんでした。問題の一部は、あなたが何を購入したいのか、または勝利を宣言してプロジェクトを完了するまでにどれだけの細かい作業が必要かが分からないことです。 解決策1：前払い予算に同意する。 達成しようとしていることに対して予算が妥当かどうかをお知らせします。それがタイトな場合は、機能の優先順位付けを支援し、予算が使い果たされる前に重要な機能が最初に実行されるようにします。 問題2：要件が明確に確定されていない。 過去15年間にウェブ開発会社を雇ったことがあれば、完成したサイトの外観と運用方法について非常に具体的かつ詳細である必要があることを学んだことでしょう。プロジェクトの全体的なコストは、いくつかプラットフォームを悪い選択にする最終的には一見マイナーな要件に基づいて大幅に変化する可能性があります。 問題3：ビジネス上の理由で要件を変更する必要がある。 あなたは新しいウェブサイトプロジェクトに参加し、要件が本当に必要ないくつかの重要な機能を無視するか、ソースデータを十分に指定していないことを認識します。 開発者が契約を再交渉して変更の順序を追加する必要があるため、すべての作業を停止しています。 彼らはより多くを支払っていて、プロジェクトが遅れているので、顧客は不満です。開発者は、自分がやっていることをやめ、商売について話さなければならないことに不満を感じています。そのため、これを行わずに作業を投入するだけで、支払いに苦労することがよくあります。 問題4：要件により、より適切なソリューションに変更を防ぐ。 私たちはサイトの構築の途中にあり、別のアプローチまたはプラットフォームを選択した場合、最終結果はクライアントにとってはるかにうまく機能することを理解しています。しかし、現在の開発の道筋をたどってバックアップするのは十分であり、元のアプローチは要件を満たしています。私たちはより良いサイトを提供することに不満を抱いており、顧客は最終的には不格好なサイトになってしまいますが、クライアントに戻って再交渉するよりも簡単です。 ソリューション2、3、4：要件を解く 要件は1つの目的を果たします。要件は、一方の側がもう一方の側からより多くの作業またはより多くの現金を引き出すために使用できる地面の利害関係です。これはほとんど常に恨みを生み出し、小規模なWebプロジェクトではほとんど必要ありません。 […]