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fintech pmp scheduling ms project ppm pmi finance banking alm epm tfs project mgmt pm clinic pmi-sp project closure social intelligence social analytics social networks wbs motivation passion positive thinking encourage business transformation cost optimization outsourcing consumer intelligence consumer experience time management communication collaboration emails word processing ms word key features document workflow p2p remittance digital technology disruption transformation new normal financial inclusion innovation digital disruption digital transformation mobile wallets mobile payments blockchain bitcoin planning productivity tasks cep bi big data analytics soi middleware tibco project management pmi-acp software development scrum agile lean shared economy application lifecycle management