The industry is also known for stringent legal requirements, regulatory compliance and reporting requirements that change over time and are often mandatory via legislation. In addition, the industry is clearly affected by other external factors such as digitisation, which places new demands on our customers' ability to satisfy and communicate with their end customers and partners in various digital channels. In addition, it puts our customers in a complex digital value chain position which places demands on being able to effectively collaborate and exchange information with players such as intermediaries, selection centers, premium centers, payment processors and government agencies.

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