Page 6 - Top Esker Alternatives

Dunforce

Dunforce

dunforce.com

Dunforce transforms the way companies manage their payments. It is the first Intelligent Collection Agent, using AI and machine learning to solve this growing problem of late payments.

Debtist

Debtist

debtist.de

More growth, less cash flow stress – focus on what matters with Debtist as your receivables management and debt collection partner. As a global digital debt management and collection Partner we are not just a software tool, we actively increase your Cashflow and order to cash cycle through debt management, dunning & collection for both B2B and B2C debts and open invoices. Reduce risk through Credt checks, send automated payment reminders and let Debtist take over your dunning and legal claims. With letters, emails, phone calls, and SMS, Debtist actively handles all steps to recover the Cash. This relieves the financial team while simultaneously increasing cash flow and revenue. We integrate into your accounting stack, for seamless case collection, bringing you the real-time insights to increase your cash collection cycle from Credit checks, payment reminders up to debt dunning steps and legal case handlings.

collect.AI

collect.AI

collect.ai

collect.AI is the next generation Order2Cash platform for the AI era. Our SaaS platform is changing the way leading European companies realise their receivables. Our innovative, AI-driven technology enables end-to-end cash flow optimisation and ensures that receivables become cash flow reliably and in time. With collect.AI, European companies realise receivables smarter, faster and better. collect.AI was founded in 2016 and was one of the first AI fintechs made in Germany. Today, we are an Aareal Bank Group company and a leading FinTech innovator in the field of artificial intelligence and SaaS cloud technology,

Nuvo

Nuvo

nuvo.com

Nuvo provides a modern, branded onboarding experience and risk assessment platform that accelerates time to order, grows your customers’ purchasing power, and protects your margins. Get 100% complete and instantly verified new customer applications. Eliminate tedious data collection and leverage built-in insights to make fast, informed decisions. Make trade credit your competitive advantage with Nuvo. Branded & Configurable Credit Application Nuvo’s credit app is collaborative, customizable, and so flexible you can onboard both cash and credit customers. Nuvo verifies each customer’s identity and populates your ERP with clean data you can trust. Collaborative Approval Workflows Nuvo’s credit management dashboard supports seamless workflows for the finance team, and transparency across the company. Credit decisions made in Nuvo are synced directly to your ERP. Cross-functional workflows - Unlimited user seats - Automatic sales rep assignment to credit apps - Unique links for each customer record for easy sharing - Application status notifications for assigned sales reps and key decision makers Tracked changes for every customer - Intuitive customer organization by account status - Detailed user activity log for every customer record - Flags to target customers for review - Custom notes with attachments Insightful Risk Monitoring Dashboard Stay on top of your customers’ changing risk without getting deep into the paperwork of a traditional credit review. Respond to trends in your own receivables and a portfolio of additional risk sources. Insights at a glance - Credit utilization, invoice aging, spend per month, and days sales outstanding, calculated directly from your ERP - Single view of risk changes across multiple data sources - Weekly risk digest, direct to your inbox - Color-coded badging to identify risk changes Integrated Data Sources - Accounts receivable insights from your ERP - High-priority alerts for liens and bankruptcy filings - Refreshed trade references with changes to credit terms open balances, and past due balances - Cash and credit balance updates, direct from banks - Changes in CreditSafe scores and recommended limits Streamlined Customer Profile Management Nuvo’s Customer Portal enables your customers to manage their credit profiles, request credit limit increases, and instantly sync all their updates with your Nuvo account. Easy record management - 2-way sync of customer profiles to your ERP - Self-serve profile control for customers - Customer accounts organized by credit status - Store and track tax-exempt certificates, W-9s, and licenses Simplified communications - Shared view of credit limit and terms - On-platform credit review requests from customers - Templated emails from your integrated mailbox for convenience and deliverability

Paidnice

Paidnice

paidnice.com

Paidnice is comprehensive accounts receivable automation for small and medium businesses using QuickBooks and Xero. Since 2022 Paidnice has facilitated on-time payments for over $4 billion in transactions across 3 million invoices. Our unique solution gives you the power to automate late fees, interest, reminders, and reporting on autopilot - saving credit controllers hours typically spent manually chasing late payments. Customizable rules and workflows allow tailoring Paidnice's functionality to match your payment terms and customer relationships - whether that's automated late penalties, SMS invoice reminders, expedited dispute resolution, or bulk customer statements. Core features and differentiators include: - Auto-apply late fees, interest charges, and prompt payment discounts. - Custom email & SMS invoice reminders and past-due notices. - Send quote reminders before they expire. - Escalation workflows e.g. automated dispute letters, credit reporting. - Automate & send bulk customer statements. - BYO email domain and branding. - Per-customer customization settings. By leveraging Paidnice's set-it-and-forget-it accounts receivable automation, small businesses can significantly accelerate payment cycles, improve customer communication, and strengthen financial resilience without adding more hours to their team's workloads. The bottom line? Getting paid on time, every time, without the typical frustration.

DepositFix

DepositFix

depositfix.com

DepositFix is a robust invoicing and payment automation platform designed for service-based businesses and agencies seeking to streamline their billing processes. By integrating directly with popular CRMs like HubSpot, Monday.com, etc DepositFix empowers users to manage one-time and recurring payments within their existing workflows, creating a smoother, more efficient deal-to-cash experience. For agencies, consultancies, and other service providers, DepositFix automates essential invoicing tasks, minimizes manual entry, and improves cash flow by reducing the time to collect payments. How DepositFix Works: DepositFix connects seamlessly with CRM data to synchronize customer and deal information, allowing businesses to create and send invoices based on real-time data, without having to leave their CRM platform. It supports a range of payment options, including credit cards, ACH, and PayPal, giving clients a flexible, secure, and convenient way to pay. Key Benefits: • Automated Invoicing and Billing: DepositFix eliminates repetitive billing tasks by automating invoice creation, scheduling, and payment reminders, allowing businesses to focus on higher-value activities. Users can set up recurring invoices and update payment statuses automatically, reducing manual work and errors. • Seamless CRM Integration: Built specifically to integrate with HubSpot, Monday.com, DepositFix connects billing with customer management. This integration means users can handle their invoicing and payment processes within the same CRM environment, resulting in more accurate, up-to-date billing information and a unified client view. • Enhanced Revenue Insights: The platform provides real-time analytics and reporting, giving users a clear picture of revenue trends, outstanding payments, and cash flow. This enables smarter, data-driven decisions and better financial oversight. • Flexible Payment Options: DepositFix supports various payment methods, allowing businesses to offer clients a choice in how they pay. This flexibility improves the client experience, helping reduce payment friction and improve timely payments. Why Choose DepositFix? DepositFix is designed for companies that rely on efficient payment processes to maintain healthy cash flow. Unlike generic invoicing tools, DepositFix combines CRM integration, automated billing, and a focus on service-oriented businesses to deliver a solution that simplifies AR management and helps users get paid faster. With DepositFix, agencies can handle all billing functions within a single, familiar platform, helping them operate more effectively and grow their business. DepositFix lets you sell event tickets, courses, digital products, memberships, subscriptions and accept donations. Have full control over your payment process: - Accept payments on your landing pages and keep your clients on your website during the entire checkout process. - Add custom fields to your payment forms. - Send receipts using email workflows. - Catch and recover failed subscription charges. - Manage billing information without leaving your CRM. - Combine multiple products into a single form. - Create charges or subscriptions using marketing automation workflows.

Dash Billing

Dash Billing

dashbilling.com

Our all-in-one tool helps you collect without going to collections to increase efficiency within the company. Dash Billing works with companies to automate their invoicing, billing, and pre-collection strategies to increase payments by 66% with no human intervention. Our comprehensive dashboard allows you to monitor the performance of your billing efforts while evaluating trends and applying filters to gauge the amount of revenue you're accruing.

Chaser

Chaser

chaserhq.com

Automate invoice chasing and streamline your accounts receivable process. Get paid faster. Reduce days sales outstanding. Maintain great customer relationships. Xero App Partner of the Year 2023 , Management Today Best use of Innovation in Business winner (2023), CICM British Credit Awards B2B Supplier of the Year winner (2022). Chaser users: - Get invoices paid 54+ days sooner - Save 15+ hours per week on accounts receivable tasks - Reduce days sales outstanding by 75% + - Maintain great customer relationships Why use Chaser? Automate without losing the human touch - Ensure customers never know you’re using an automated system, with chasers sent from your usual email address, with your regular email signature and branding Increase your chances of getting paid with multi-channel chasing - Schedule reminders via email, SMS, and automate your debtor-phone calls using Auto-call. - Personalise every reminder automatically, with data such as customer names, amount owed and due dates Make it easier for customers to pay - Give all your customers access to a dedicated Payment Portal, with automatic reconciliation in your accounting system - Offer multiple payment options to suit your customers’ needs in one location - Reduce time on payment admin, as all documentation and details are available to customers in their portal Get invoices paid faster - Reduce late payments with an improved AR process and actionable insights. Users reduce DSO by 75%+ - Use AI-powered insights to understand which debtors to prioritize, who will pay late, and the best times and days to chase. Optimize your receivables approach - Create unlimited custom schedules that suit your different groups of customers, such as good payers, bad payers, or long-term clients - Schedule as many payment reminders as you require, at intervals you choose - Select the best days and times to send reminders and automatically avoid sending reminders outside working hours, on weekends or bank holidays - Escalate the sender of payment reminders to a more senior figure automatically, when customers haven’t paid after a specified period Keep track of all chasing activity in one place - Debtor communications and replies are pulled into Chaser automatically, set call reminders, and make and record debtor phone calls in-app - View a consolidated communication history for every invoice and every customer in your CRM - Reconcile with your accounting system automatically, so you never chase a paid invoice - Include notes from phone calls, set reminders, and assign follow up tasks to your teammates

Resolve

Resolve

resolvepay.com

Resolve allows b2b manufacturers & wholesalers to get paid upfront - while their business customers can pay in 30, 60, or 90 days. We're a complete net terms and credit management solution. Resolve at its core improves traditional and cumbersome b2b payments. We facilitate deferred payments between businesses, but in a way that benefits both businesses. This deferred payment is commonly referred to as ‘net terms’ in many industries, and it describes a payment delay of 30, 60, or 90 days that has come to be expected by business customers. The issue for the business seller is that they are required to act like a bank. They need to give short-term credit to their customers and ‘float’ these net terms invoice payments. Resolve takes care of every aspect of a business being able to offer net terms as a payment option. We solve for the credit checking process, provide invoice financing, automate accounts receivable processes, and speed up payments processing. Resolve enables b2b deferred payments through our end-to-end and embedded ‘credit billing’ solution. This refers to Resolve’s integration with an existing financial tech stack to automate and streamline all of the tasks associated with offering net terms. The results are simpler net terms that increase our customer’s cash flow and b2b sales, while reducing their financial risk and accounts receivable resourcing needs.

SequenceHQ

SequenceHQ

sequencehq.com

Sequence is an all-in-one CPQ, billing, metering and revenue recognition platform for B2B SaaS companies. Automate billing for every custom contract. Stop revenue leakage, avoid billing errors, and save time. Turn contracts into billing schedules in a few clicks and automate finance workflows effortlessly. Sequence automates your revenue collection process, allowing scaling companies to easily grow their topline, adjust pricing models on the fly, and create a source of truth for products & pricing. Sequence has built-in integrations to CRMs, ERP systems, and data warehouses, allowing for quick and easy implementation with your existing stack. The Sequence no-code dashboard is intuitive and loved by finance teams, and is the easy way to manage your billing.

Gaviti

Gaviti

gaviti.com

The next generation of accounts receivable software is here. Gaviti is a B2B Autonomous Invoice to Cash solution that uses AI to automate the repetitive and make everything else controllable and predictable. Gaviti provides A/R teams with solutions for credit management, collections management, dispute management, and cash application. Our clients have achieved remarkable results, slashing their late invoices by an impressive 50% within just six months of adopting Gaviti.

Kolleno

Kolleno

kolleno.com

Kolleno is an accounts receivable management software that brings receivables, payables, reconciliation and payments all in one place.

TurboDocx

TurboDocx

turbodocx.com

TurboDocx is a comprehensive platform that automates the generation of business documents and slide decks, helping organizations streamline content creation and maintain consistency across all deliverables. Whether it’s creating proposals, reports, statements of work, or presentations, TurboDocx allows users to efficiently generate materials from customizable templates, integrating seamlessly into existing workflows through robust API and SDK support. On the AI side, TurboDocx takes automation to the next level by using AI to intelligently extract relevant content from various data sources and apply brand-specific styles. The platform ensures that documents not only convey the right information but also stay aligned with your brand’s visual guidelines. TurboDocx AI analyzes your content, organizes it within pre-defined templates, and formats it according to your specific brand rules, from fonts and colors to overall design structure. This reduces manual input, eliminates errors, and ensures that all generated documents maintain a consistent, professional look while keeping your brand identity intact.

PairSoft

PairSoft

pairsoft.com

Free your team from manual processes. PairSoft’s AP automation, procurement, and document management solutions elevate teams above routine, transactional work so they can drive strategy and make an impact. PairSoft, one of the strongest financial automation platforms for mid-market and enterprise organizations, comprises a product lineup that natively integrates with Microsoft Dynamics, Blackbaud, Oracle NetSuite, Oracle Financials, and Sage Intacct ERPs, among others. From procure-to-pay to fundraising and document management, their automation solutions have been tailored over two decades to boost financial teams to the top of your industries.

TeamSystem

TeamSystem

teamsystem.com

TeamSystem is a leading tech company in the market for digital business management solutions for companies and professionals. One of the most important Italian players in the ICT sector, the Company has over the years positioned itself as a true enabler of digital competitiveness for its customers by offering solutions for managing SMEs and professional firms (accountants, labor consultants and lawyers). With the aim of supporting the competitiveness of companies and professionals, the TeamSystem Group has also developed innovative fintech solutions for the management of collections, payments and bank reconciliations. In 2022, the Group recorded a turnover of 695 million euros, with direct offices serving more than 2 million customers operating on its digital and cloud platforms, where on average more than 415 million electronic invoices with a total of 850 billion euros transacted are handled each year. Thanks to a strategy of acquisitions aimed at strengthening the competitiveness of the group's offerings in the cloud and digital transformation, a series of operations to grow in certain vertical markets, and the establishment of new specialist companies, TeamSystem has steadily expanded its offerings, entering the fintech services, ecommerce, SME rating and HR management markets. The TeamSystem group has more than 2700 employees and has always invested in technological research and development. Some 730 software engineers, 80% of them agile, are working on the development of ever more innovative, secure and user-friendly solutions. TeamSystem's mission is to bring digital into every business, which is why TeamSystem works every day alongside customers, SMEs and professionals, to support their digitization programs, developing their competitiveness and making their processes increasingly agile.

SyncMonkey

SyncMonkey

syncmonkey.com

SyncMonkey’s core focus is to help MSPs and IT companies efficiently manage their precious information in order to simplify their operations. SyncMonkey provides a secure, versatile and easy to use documentation management system. It was designed by industry experts to serve as a centralized information management application for all technical resources (ie: IT Departments, MSPs) and their customers/stakeholders. The seamless integration of SyncMonkey into industry-standard solutions makes it a valuable fit in any IT environment.

ScanSearch

ScanSearch

scansearch.com

Understand the enormous value of uploading your scanned and PDF documents to the ScanSearch cloud and then having those documents retrievable by any content on the page(s). -100% automated organizing, indexing, and saving. -Robust full text search. -Bank level security. -Unlimited users and departments.

RIB

RIB

rib-software.com

RIB - Byggeweb is a digital platform designed to facilitate construction project management and collaboration. It provides tools for professionals in the construction industry to streamline workflows, enhance communication, and manage project documentation effectively.

Q-Action

Q-Action

qflow.com

Q-Action® stands at the forefront as a premier commercial off-the-shelf Enterprise Content Management (ECM) solution. This innovative platform empowers you to seamlessly centralize your documents into a unified repository while customizing workflows to suit your unique needs. By harnessing the power of Q-Action®, you and your organization can expedite processes, eradicate the burden of paper, and foster enhanced collaboration across teams. In essence, it revolutionizes the landscape of document management, making it a swift and efficient endeavor.

OpenKM

OpenKM

openkm.com

OpenKM focuses on creating an Open Source Document Management System, which due to its characteristics, can be used in large companies as well as in SMEs. It is a very useful tool for Knowledge Management, Content Management, providing a flexible alternative and lower costs than other proprietary applications. The use of a Knowledge Management System in the company helps to manage, more efficiently, the collective intelligence that resides in the human resources of the company; This implies an increase of productivity in the short term. Through these systems, both information and knowledge generated in the organization are available globally.

Open Bee

Open Bee

openbee.com

Open Bee™ is a French publisher with 17 years of experience publishing document management software on the French market. Present in Europe, the United States and Asia, Open Bee™ offers a complete range of solutions and services ranging from document auditing to Cloud hosting in secure data centers. The Open Bee™ product range allows any organization to free itself from the constraints linked to the handling of paper documents and to optimize all of its documentary processes.

Built

Built

builtapp.com

Built is a unique Position Intelligence platform that provides leaders with tools for organizational planning, scenario modeling, accurate headcount budgeting and reporting, and succession planning. Their innovative, position-centric approach differs from the traditional “people-first” focus of HR Tech, and gives business leaders a more holistic view of their organization. Their platform integrates with your HRIS, payroll, ATS, and other core systems.

EngineBox

EngineBox

equorum.com

EngineBox is a SaaS Cloud document management system with commercial-grade security. Now you, your vendors, and customers get mobile access to the documents and CAD files they need anywhere, anytime. No client installation requirements. All the engineering functionality you expect from an on-premise EDMS engineering workflow and document management system on the Cloud. Unlike on-premise systems, Cloud document management and workflow software doesn’t require you to supply or maintain your own servers, making it a cheaper, more secure, and more scalable solution for growing businesses.

Framesoft Document Management

Framesoft Document Management

framesoft.com

Framesoft Document Management (FDM) is a comprehensive software solution for professional & global content and collaboration management. FDM is designed to streamline the process of managing documents in a digital environment, enhancing both efficiency and security in an organization. FDM allows managing all types of electronic content. Content can be easily stored, tracked & searched via fuzzy / AI based full text search or by assigning keywords automatically. FDM involves a set of tools to o create, manage, and store electronic documents in a centralized location, enabling easy access via multiple channels, retrieval, sharing, and collaboration. Key Features: ** Digital Storage - FDM provides a centralized repository for digital documents of any type. This allows for easy storage, retrieval, and management of documents. It includes hierarchical storage, which means documents can be stored in folders and subfolders, facilitating an intuitive and structured organization. ** Advanced Search Functionality - A robust and comprehensive search engine including fuzzy / Artificial Intelligence (AI) based full text search and assigning keywords automatically. This feature enables users to quickly locate documents based on various criteria such as keywords, content, author, date, and more. Optical Character Recognition (OCR) technology can be integrated to allow for the searching of text within scanned documents and images. ** Access Control and Security - Security features include controlled access to e-Files and documents. Administrators can set permissions at various levels, determining who can view, edit, or delete documents. This ensures that sensitive information is only accessible to authorized personnel. Additionally, audit trails are maintained for monitoring and compliance purposes. ** Version Control and Audit Trails - Version control ensures that the history of changes made to an e-File or document is recorded and accessible. This feature allows users to revert to previous versions if necessary and provides a clear audit trail of edits, which is crucial for compliance and regulatory requirements. ** Collaboration Tools - FDM facilitates collaboration through features like document sharing, simultaneous editing, and commenting. These tools enable teams to work together on documents in real-time, regardless of their physical location. ** Workflow Automation and Integration - FDM Workflow automation tools help streamline business processes by automating document-related tasks such as approvals, notifications, and routing. Integration capabilities allows FDM to work seamlessly with other enterprise software systems like Contract Management Systems, Customer Relationship Management (CRM) and Enterprise Resource Planning (ERP) systems, enhancing overall productivity. ** Compliance and Retention Management - Compliance features ensure that the document management practices adhere to industry standards and legal requirements. FDM can automatically manage document retention schedules, ensuring that documents are kept for the required periods and disposed of appropriately. ** Mobile Accessibility - FDM is accessible via mobile devices, allowing users to access and manage documents anytime and anywhere. ** Customization and Scalability - FDM can be customized according to the specific needs of an organization. Scalability ensures that FDM can grow and adapt as the organization expands. ** Cloud-based Options - FDM is also offered as a cloud-based Software as a Service (SaaS) solution, offering the benefits of reduced IT overhead, scalability, and remote accessibility. These features allow users to control access to documents, track changes, and ensure compliance with regulatory requirements and industry standards. Furthermore, FDM helps any organization to reduce costs associated with paper-based processes, improve productivity, and enhance information security.

Fluid Topics

Fluid Topics

fluidtopics.com

Fluid Topics’ AI-Powered Content Delivery Platform (CDP) is a software solution that collects and unifies all types of documentation, no matter the initial source and format, and then feeds the relevant content to any digital channel, device, and application, in context with the users’ needs and environment. From software and electronics companies to hardware and equipment manufacturers, Fluid Topics supports tech organizations around the world in optimizing their content operations and making the most out of their tech doc. Their CDP is designed to integrate with your existing infrastructure and tools to enable dynamic publishing without disrupting the company’s writing process. Say goodbye to pre-generated HTML pages and rigid formats and hello to Content as a Service.

Feith Systems

Feith Systems

feith.com

Feith Systems, founded in 1979, creates class-leading 5015.02 Records Management, and Enterprise Content Management solutions, including the comprehensive flagship Feith suite which integrates workflow, document and records management, self-service web forms, dashboard reporting, and more. Developing solutions for a wide array of companies, organizations, and government agencies worldwide that leverage existing ERP investments, Feith’s cutting-edge technologies provide streamlined, comprehensive solutions to even the most challenging business processes. Many of the most respected companies, organizations, and agencies in the world come to Feith to implement business process and content management solutions. Because of the customization and scalability of their core products, Feith is able to service industries in nearly every field, including the top names in insurance, healthcare, financial services, manufacturing, and technology, as well as district-level and higher education and many of the largest agencies in the U.S. Federal Government. The organizations that choose Feith are not just clients, but part of the Feith Development Community, playing an integral role in continuing to develop their products. That knowledge and expertise is passed along to you in every solution they create.

Document Logistix

Document Logistix

document-logistix.com

Document Logistix is a document management software provider that helps to eliminate the use of paper and automate digital workflows to improve business processes. Their in-house development team have been innovators in digitisation for 25 years. They help organisations to enhance current systems or achieve digital transformation from scratch to increase productivity and (post Covid) to ensure business continuity. Document management technology has risen in strategic importance as a critical component of any business and is no longer only a source of cost efficiencies. They provide their scalable document management software to an ever-expanding range of SME and blue-chip clients around the world. Their flexible platform helps organisations to manage the full life-cycle of documents and data from capture and indexing, through workflows with thresholds and alerts, to auto-retention and deletion that ensure regulatory compliance. If required, they can migrate legacy paper records in their in-house scanning bureau to help organisations to centralise records quickly. Thereafter, integration with your organisation’s current systems is crucial to deliver a collection of individual services, such as document ingestion, access controls, search, and publishing features. This new breed of content services can contain a set of microservices as an integrated suite, or with common repositories, to accommodate different user types in your organisation. Their software powers the operations of many high-document volume businesses, including major logistics companies, retailers, legal and insurance firms, charities, tourist organisations, government departments and law enforcement agencies. Their office in the USA works closely with District Attorneys, energy companies and manufacturers. Document Logistix is committed to understanding your business and its needs in order to provide the best document management solution, and ensure a demonstrable ROI on your investment.

DocSuite

DocSuite

docsuite.io

DocSuite document management and process automation software. Smart Digital Transformation Assistant DocSuite is a global leader in information and data management. DocSuite allows workforce management across the board to find accurately correct information immediately and automate business operations, manage and replace them simple and safe to use to their fullest potential and enforce information control and you can work on the program from anywhere and at any device including your home and place of business, is where the business takes place. DocSuite encrypts and digitizes your information so that it can easily move between your decision makers - on any device, anytime, anywhere. This provides companies with a competitive advantage and a significant return on investment as they offer customers the best experiences and high quality work with lower risk.

ConnectFSM

ConnectFSM

connectfsm.co.uk

ConnectFSM empowers businesses within your sector to reach their full potential. ConnectFSM's solution liberates management and administrative personnel from the burdensome paperwork tied to service and engineering team management. This allows your team to dedicate more time to activities that boost productivity and profitability.

Collabware

Collabware

collabware.com

Collabware creates intelligent ECM software for SharePoint that improves information and records management, and enhances the way people communicate, collaborate and consume information. Our software ensures regulatory and legal compliance, increases team productivity, protects sensitive data, and helps organizations quickly locate information needed to make better decisions. Headquartered in Vancouver, BC and operating out of Cambridge, MA, our team supports a wide range of customers including fortune 1000 regulated enterprises and public-sector organizations.

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