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لم يقتصر تأثير كي كارد على تحسين الخدمات المالية فقط بل امتد ليشمل تعزيز الشمول المالي في المناطق الريفية والمحرومة. بهاء ركّز على توفير الخدمات المالية للفئات المهمشة بما في ذلك اللاجئين وال�

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