Top 22 Fintech Companies in Indiana
Top 22 Fintech Companies in Indiana
Indiana's fintech sector is a dynamic area that blends technology with finance, focusing on innovative solutions for banking, lending, and payments. These companies range from established players like First Internet Bank to emerging startups like Allied Payment Network, each providing specialized services including payment processing, lending technology, and digital banking platforms. With the rise of open banking and pressure for digital transformation, this industry is poised for significant growth. A collaborative approach between financial institutions and tech startups promises to enhance service accessibility and efficiency, supporting consumer needs in a rapidly evolving market.
The 22 fintech companies featured here span various sizes and specializations, with headquarters primarily located in cities like Carmel, Indianapolis, and Fort Wayne. Founded between the 1980s and 2023, these companies collectively showcase a range of services from digital banking and payment solutions to risk management tools. Employing from a small team of fewer than 50 to large organizations with over 1,000 staff, this sector illustrates both innovation and established presence in the Bloomington-Normal and surrounding markets.
Read on to discover more about Indiana's top fintech companies.
Top 22 Fintech Companies in Indiana
1. Carmel Solutions
- Website: carmelsolutions.com
- Ownership type: Private
- Headquarters: Carmel, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 2009
- Headcount: 11-50
- LinkedIn: collection-sciences
Carmel Solutions, founded in 2009 and based in Carmel, Indiana, is a private fintech company that specializes in banking and lending solutions. With a team of data scientists, software engineers, and operations specialists, the company aims to simplify the complexities involved in managing funds, data, and servicing for credit issuers and financial institutions. Their digital banking platform is designed to reduce overhead costs and accelerate fund exchanges, enabling financial institutions to offer tailored payment solutions. Carmel Solutions provides a range of services, including high-volume ACH transactions, batch wire transfers, and credit and debit card processing. They also focus on lending solutions, offering backup servicing, collateral management, and performance reporting to ensure that capital providers and businesses can operate with confidence. Their approach is characterized by a commitment to exceptional service delivery, ensuring that partnerships with clients add tangible value to their operations.
2. First Internet Bank
- Website: firstib.com
- Ownership type: Private
- Headquarters: Fishers, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 1999
- Headcount: 201-500
- LinkedIn: first-internet-bank
First Internet Bank, established in 1999 and based in Fishers, Indiana, is an online bank that provides a comprehensive suite of banking and financial services. It caters to both individual consumers and businesses, offering products such as checking and savings accounts, loans, and investment options. As a pioneer in online banking, First Internet Bank has eliminated the need for physical branches, allowing customers to access their banking services anytime and anywhere. The bank is recognized for its competitive interest rates and user-friendly online platform. It has also made significant strides in the small business sector, becoming one of the top ten SBA 7(a) lenders in the nation. This focus on small business financing, along with its partnerships with fintech companies, highlights its active role in the evolving financial technology industry.
3. Sharetec Systems
- Website: sharetec.com
- Ownership type: Private
- Headquarters: Fort Wayne, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 1993
- Headcount: 51-200
- LinkedIn: sharetec-systems
Sharetec Systems, founded in 1993 and based in Fort Wayne, Indiana, is a financial technology firm dedicated to serving credit unions. The company offers a range of solutions, including a web-based core processing system known as Sharetec Velocity, mobile banking services, and various member services designed to improve operational efficiency and enhance member engagement. Sharetec's products are specifically crafted to help credit unions compete effectively in a challenging financial landscape, where they often struggle against larger banks and fintech companies. The company prides itself on its customer-centric approach, ensuring that credit unions receive not only robust technology but also the support they need to thrive. Sharetec has evolved over the years, recently consolidating its operations under a single brand after being acquired by Evergreen Services Group, which has positioned it for growth and innovation in the fintech space.
4. The Pathfinder Group, Ltd.
- Website: pfgltd.com
- Ownership type: Private
- Headquarters: Valparaiso, Indiana, United States (USA)
- Employee distribution: United States (USA) 78%, Pakistan 22%
- Founded year: 1992
- Headcount: 11-50
- LinkedIn: pathfinder-group-ltd.
The Pathfinder Group, Ltd. is a privately-owned financial technology company based in Valparaiso, Indiana, founded in 1992. With a team of 18 employees, the company focuses on developing software solutions tailored for financial institutions. Their flagship products include the WITS™ Wire Transfer System, which streamlines wire processing, and the WLFS™ Warehouse Loan Funding System, designed to facilitate interim loan funding for mortgage brokers and banks. The company prides itself on delivering real-time support and continuous product enhancements, ensuring that clients meet regulatory expectations set by the Federal Reserve and other partners. The Pathfinder Group has established partnerships with various financial service providers, enhancing their offerings and integration capabilities within the financial technology sector.
5. Allied Payment Network
- Website: alliedpayment.com
- Ownership type: Corporate
- Headquarters: Fort Wayne, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Latest funding: May 2025
- Founded year: 2010
- Headcount: 51-200
- LinkedIn: allied-payment-network-inc-
Allied Payment Network, based in Fort Wayne, Indiana, is a financial technology firm that specializes in payment solutions for banks and credit unions. Established in 2010, the company has developed a suite of services that includes real-time payments, bill management, and secure document storage. Their flagship product, FlexPay, integrates various payment functionalities, allowing financial institutions to enhance customer interactions and improve operational efficiency. With a focus on community banks and credit unions, Allied Payment Network has successfully partnered with over 500 financial institutions, facilitating the movement of approximately $4.4 billion in payments in 2023 alone. The company prides itself on its innovative approach, having pioneered the first mobile photo bill pay application, PicturePay, which simplifies the bill payment process for users. Allied's leadership team brings extensive experience in fintech and banking, further solidifying their expertise in the industry.
6. NWSB (New Washington State Bank)
- Website: newwashbank.com
- Ownership type: Private
- Headquarters: Charlestown, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 1908
- Headcount: 51-200
- LinkedIn: new-washington-state-bank
NWSB (New Washington State Bank), founded in 1908 and based in Charlestown, Indiana, is a private financial institution that caters to the banking needs of individuals and businesses. The bank provides a variety of services, including personal and business accounts, loans, credit cards, and treasury management services. NWSB operates through physical branches and digital platforms, ensuring that customers have access to their banking needs anytime and anywhere. The bank's digital offerings include online banking, mobile banking, and a rewards program called BaZing, which enhances customer engagement and loyalty. NWSB's focus on integrating technology into its services reflects its commitment to meeting the evolving needs of its clients in a competitive financial landscape.
7. Atto
- Website: atto.co
- Ownership type: Corporate
- Headquarters: Edinburgh, Indiana, United States (USA)
- Employee distribution: United Kingdom (UK) 86%, South Africa 5%, Brazil 5%, Other 5%
- Latest funding: Series A, $9.5M, February 2023
- Founded year: 2010
- Headcount: 11-50
- LinkedIn: the-id-co
Atto, formerly known as DirectID, is a financial technology firm based in Edinburgh, Indiana. Founded in 2010, the company focuses on credit risk decisioning and data analytics, providing essential services to lenders and financial institutions. Their offerings include affordability assessments, income verification, and insights into financial health and distress. Atto operates on a Software as a Service (SaaS) model, delivering a user-friendly dashboard and APIs that facilitate seamless integration for clients. The company has made significant strides in the fintech space, particularly as one of the early pioneers in open banking, having built the first AISP connection after the implementation of PSD2. In February 2023, Atto secured $9.5 million in Series A funding, underscoring its growth trajectory and the increasing demand for its innovative solutions.
8. Evolv
- Website: poweredbyevolv.com
- Ownership type: Family Owned
- Headquarters: Newburgh, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 1998
- Headcount: 51-200
- LinkedIn: approval-payment-solutions-inc-
Evolv, based in Newburgh, Indiana, is a family-owned payment processing and digital marketing company founded in 1998. Originally known as Approval Payment Solutions (APS), the company rebranded to Evolv in 2021 to better reflect its growth and expanded service offerings. Evolv specializes in a range of payment solutions, including ACH and check solutions, online payments, and point-of-sale systems. They also provide digital marketing services through their subsidiary, VIV, which focuses on website development and social media management. With a client base of over 16,000 merchants and partnerships with more than 100 financial institutions, Evolv has positioned itself as a significant player in the payment processing industry. The company emphasizes customer service and has a high merchant retention rate, which speaks to its commitment to supporting businesses in enhancing their payment processing capabilities and online visibility.
9. Allied Solutions LLC
- Website: alliedsolutions.net
- Ownership type: Private
- Headquarters: Carmel, Indiana, United States (USA)
- Employee distribution: United States (USA) 99%
- Founded year: 1978
- Headcount: 1001-5000
- LinkedIn: allied-solutions-llc
Allied Solutions LLC, founded in 1978 and based in Carmel, Indiana, is a financial services company that specializes in providing risk management and insurance solutions to over 6,000 clients across North America. As a subsidiary of Securian Financial Group, Allied Solutions has built a reputation for delivering customized services that help financial institutions, including credit unions and banks, enhance their revenue streams, expand lending capabilities, and effectively manage risk. The company offers a comprehensive suite of products and services, including insurance tracking, recovery claims management, and digital engagement strategies. With a workforce of approximately 1,297 employees, Allied Solutions is committed to innovation and client-focused solutions, ensuring that their clients can navigate the complexities of the financial landscape while remaining compliant with evolving regulations.
10. Trabian
- Website: trabian.com
- Ownership type: Corporate
- Headquarters: Indianapolis, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Latest funding: April 2021
- Founded year: 2003
- Headcount: 11-50
- LinkedIn: trabian-technology
Trabian, founded in 2003 and based in Indianapolis, Indiana, is a digital banking solutions provider that specializes in software development, data automation, and web development for financial institutions. The company primarily serves banks, credit unions, and fintech firms, helping them enhance their digital offerings and improve customer experiences. Trabian has a strong focus on community-based financial institutions, providing tailored solutions that meet their unique needs. Over the years, Trabian has completed hundreds of implementations across various digital banking platforms, showcasing their expertise in the financial technology sector. As an affiliate of MVB Bank, Trabian leverages its connection to a tech-forward banking institution to further its mission of empowering financial organizations. The company is SOC 2 compliant, ensuring that it meets high standards for data security and privacy, which is crucial in the financial services industry.
11. Moneytree Software
- Website: moneytree.com
- Ownership type: Corporate
- Headquarters: Muncie, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Latest funding: June 2019
- Founded year: 1981
- Headcount: 11-50
- LinkedIn: money-tree-software
Moneytree Software, based in Muncie, Indiana, is a financial technology company that has been developing innovative financial planning solutions since its inception in 1981. With a dedicated team of around 21 employees, Moneytree focuses on empowering financial advisors by providing tools that enhance client engagement and trust. Their software solutions, including Moneytree Plan and Moneytree Merit, enable advisors to create comprehensive financial plans, visualize portfolios, and utilize advanced analytics for better decision-making. The company prides itself on its accuracy and transparency, offering features like a robust calculation engine and interactive scenario tools. Moneytree's commitment to continuous improvement and client satisfaction has established it as a trusted partner for financial professionals navigating the complexities of wealth management.
12. Group 1001
- Website: group1001.com
- Ownership type: Private
- Headquarters: Zionsville, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 2013
- Headcount: 1001-5000
- LinkedIn: group1001
Group 1001, founded in 2013 and based in Zionsville, Indiana, is a private financial services company that specializes in insurance and annuity products. The firm aims to empower individuals and communities by making financial products accessible and easy to understand. Through its subsidiary, Gainbridge, Group 1001 offers a digital platform that allows users to manage their savings and investments with straightforward, low-cost products. The company is dedicated to fostering positive growth in the communities it serves, engaging in strategic partnerships that promote education and sports. Their initiatives include sponsoring events and programs that enhance community well-being and support youth development. Group 1001 operates with a workforce of approximately 941 employees, all based in the United States, and has not reported any recent funding activities.
13. SAC Finance, Inc.
- Website: sacfinance.com
- Ownership type: Private
- Headquarters: Fort Wayne, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 1995
- Headcount: 51-200
- LinkedIn: sac-finance-inc.
SAC Finance, Inc. is a financial services firm based in Fort Wayne, Indiana, established in 1995. The company specializes in vehicle financing and payment processing, catering to consumers who need assistance managing their vehicle-related financial obligations. SAC Finance offers a variety of services, including online payment options through various platforms such as ACH, Debit, PayPal, Venmo, Google Pay, Apple Pay, and CashApp. They also provide account management tools for customers to review their accounts and make payments. The firm is licensed in Michigan and adheres to regulatory standards, ensuring compliance in its operations. With a workforce of around 21 employees, SAC Finance remains a private entity focused on delivering tailored financial solutions to its clientele.
14. Your Money Line
- Website: yourmoneyline.com
- Ownership type: Venture Capital
- Headquarters: Indianapolis, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Latest funding: Series A, $4.5M, August 2024
- Founded year: 2017
- Headcount: 11-50
- LinkedIn: yourmoneyline
Your Money Line, founded in 2017 and based in Indianapolis, Indiana, is a financial wellness service provider that specializes in enhancing employee financial health. The company offers a unique blend of AI-powered financial coaching and live guidance, catering to businesses, educational institutions, and healthcare organizations. Their services include personalized support for budgeting, debt management, and retirement planning, aiming to alleviate financial stress among employees. With a workforce of 42 employees, Your Money Line has recently secured $4.5 million in Series A funding, reflecting its growth trajectory and the increasing demand for financial wellness solutions. The company emphasizes a commitment to providing objective, confidential advice without selling financial products, which distinguishes it in the competitive fintech landscape.
15. POS Merchant Card Services Inc.
- Website: posmcs.com
- Ownership type: Private
- Headquarters: Fort Wayne, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 1999
- Headcount: 51-200
- LinkedIn: pos-merchant-card-services-inc
POS Merchant Card Services Inc., founded in 1999 and based in Fort Wayne, Indiana, specializes in payment processing solutions tailored for various business needs. The company offers a range of products including point of sale systems, credit card terminals, and merchant services, catering primarily to small and medium-sized businesses across the United States. They pride themselves on providing user-friendly and secure payment processing solutions, with a strong emphasis on customer support and ethical business practices. Their services include cash discount programs, next-day funding, and advanced reporting tools, which are designed to streamline payment operations for their clients. With a dedicated in-house technical support team available 24/7, POS Merchant Card Services aims to ensure that their clients can focus on running their businesses without the burden of payment processing concerns.
16. Tempus Technologies, Inc
- Website: tempuspayment.com
- Ownership type: Corporate
- Headquarters: Auburn, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Latest funding: January 2021
- Founded year: 1987
- Headcount: 51-200
- LinkedIn: tempus-technologies
Tempus Technologies, Inc. is a payment processing company based in Auburn, Indiana, established in 1987. With a workforce of approximately 216 employees, the company specializes in delivering secure and customizable payment solutions tailored to various industries, including retail, healthcare, education, and insurance. Their product suite includes point-of-sale (POS) payments, eCommerce solutions, and a secure payment gateway that ensures compliance with industry standards and protects sensitive data. Tempus Technologies emphasizes a hands-on approach to customization, allowing businesses to integrate their payment systems seamlessly. They also provide 24/7 support, ensuring that clients receive assistance whenever needed. The company operates under the principles of security and compliance, being a validated PCI Level 1 Service Provider, which underscores their commitment to safeguarding financial transactions.
17. Baker Hill
- Website: bakerhill.com
- Ownership type: Private Equity
- Headquarters: Carmel, Indiana, United States (USA)
- Employee distribution: United States (USA) 94%, India 6%
- Latest funding: June 2023
- Founded year: 1984
- Headcount: 51-200
- LinkedIn: baker-hill-solutions
Baker Hill, founded in 1984 and based in Carmel, Indiana, is a financial technology firm that specializes in software solutions for loan origination, risk management, and analytics. The company primarily serves banks and credit unions, helping them to optimize their lending processes and enhance customer engagement. Baker Hill operates on a Software as a Service (SaaS) model, offering a unified platform known as Baker Hill NextGen®. This platform is designed to improve efficiency, reduce errors, and manage risk throughout the lending lifecycle, from application to renewal. With a workforce of around 196 employees, Baker Hill has established itself as a partner to financial institutions, providing tools that lead to significant improvements in operational metrics, such as a 50% decrease in application-to-closing time. Their commitment to client success is evident in their extensive support and education services, ensuring that users can fully leverage their technology. Baker Hill continues to evolve its offerings to meet the changing needs of the financial sector.
18. iSolutions
- Website: isolutionspayments.com
- Ownership type: Private
- Headquarters: Indianapolis, Indiana, United States (USA)
- Employee distribution: United States (USA) 82%, Canada 18%
- Founded year: 2008
- Headcount: 11-50
- LinkedIn: isolutions-partners
iSolutions, based in Indianapolis, Indiana, is a private company founded in 2008. With a team of 11-50 employees, they focus on providing integrated payment solutions specifically for Microsoft Dynamics 365. Their offerings include automated payment processing and accounts receivable management, which are essential for businesses aiming to enhance their financial operations. iSolutions aims to simplify the payment process, reduce manual efforts, and improve cash flow for their clients. They have established a reputation for responsive support and tailored solutions, helping businesses navigate the complexities of payment processing. Their commitment to innovation and customer satisfaction positions them as a valuable partner in the financial technology sector.
19. InterCambio Express, Inc.
- Website: intercambioexpress.com
- Ownership type: Private
- Headquarters: Elkhart, Indiana, United States (USA)
- Employee distribution: United States (USA) 52%, Mexico 48%
- Founded year: 1998
- Headcount: 51-200
- LinkedIn: intercambio-express-inc-
InterCambio Express, Inc., founded in 1998 and based in Elkhart, Indiana, is a private company specializing in money transfer services. The firm provides both international and domestic money transfer solutions, primarily targeting individuals and families who need to send money securely to their loved ones. With a workforce of approximately 182 employees, the company operates through a network of agent locations, ensuring accessibility for its customers. InterCambio Express is dedicated to maintaining high standards of customer service and security, offering features such as transaction tracking and fraud alerts. The company serves a significant customer base, with a notable presence in the United States and Mexico, reflecting its commitment to facilitating financial transactions for the Hispanic community. Their operations are compliant with various state money transmitter licenses, underscoring their adherence to regulatory standards in the financial services industry.
20. NextGear Capital
- Website: nextgearcapital.com
- Ownership type: Private
- Headquarters: Carmel, Indiana, United States (USA)
- Employee distribution: United States (USA) 95%, United Kingdom (UK) 3%, Other 2%
- Founded year: 2013
- Headcount: 501-1000
- LinkedIn: nextgear-capital
NextGear Capital, founded in 2013 and based in Carmel, Indiana, is an automotive finance company that specializes in providing innovative financing solutions to independent auto dealers. The company emerged from a merger between Dealer Services Corporation and Manheim Automotive Financial Services, backed by Cox Automotive. NextGear Capital offers a range of products, including floor plan financing, which allows dealers to manage their inventory and cash flow effectively. Their services are designed to empower dealers, enabling them to grow their businesses by providing flexible lines of credit and advanced account management tools. With a focus on customer-centric solutions, NextGear Capital serves over 22,000 dealer clients across the United States, Canada, the United Kingdom, and Ireland, facilitating access to inventory from numerous auto and specialty auctions. The company has also developed a mobile app and an online account portal to streamline operations for dealers, enhancing their ability to manage finances and inventory in real-time.
21. EquitiesFirst
- Website: equitiesfirst.com
- Ownership type: Family Owned
- Headquarters: Indianapolis, Indiana, United States (USA)
- Employee distribution: United States (USA) 35%, Hong Kong S.A.R 28%, Singapore 11%, Other 26%
- Founded year: 2002
- Headcount: 11-50
- LinkedIn: equities-first-holdings-llc
EquitiesFirst, founded in 2002 and based in Indianapolis, Indiana, is a financial services company that specializes in equity-backed financing solutions. The firm provides liquidity and capital access to founders, entrepreneurs, and significant shareholders of publicly traded companies. With a global presence, EquitiesFirst operates in key markets including the United States, Hong Kong, Singapore, Australia, and the United Kingdom. Their unique offering, termed 'Progressive Capital', allows clients to leverage their equity assets through non-recourse financing, which means that the repayment is not tied to the borrower's personal assets. This innovative approach helps clients navigate financial challenges while maintaining ownership of their equity. Over the years, EquitiesFirst has built a reputation for enabling wealth creation and protection, partnering with hundreds of businesses to provide essential capital solutions. Their commitment to research and market insights further enhances their role in the financial services industry, making them a notable player in the fintech space.
22. fiVISION
- Website: fivision.com
- Ownership type: Private
- Headquarters: Indianapolis, Indiana, United States (USA)
- Employee distribution: United States (USA) 100%
- Founded year: 2003
- Headcount: 11-50
- LinkedIn: fivision
fiVISION, founded in 2003 and based in Indianapolis, Indiana, is a private financial technology company that specializes in account opening software solutions for credit unions and banks. With a team of approximately 34 employees, fiVISION has dedicated nearly two decades to refining the account opening process, making it more efficient and customizable for financial institutions. Their platform integrates real-time solutions and automates various tasks, significantly enhancing the customer experience. The company emphasizes the importance of adapting to industry standards to support the growth of financial institutions. Their offerings include a decision engine that allows institutions to customize approval rules and fraud detection services, as well as automation features that streamline the application process. This focus on innovation and customer-centric solutions underscores their commitment to improving the financial services landscape.
Fintech Insights: Key Companies in Indiana
Company | Headquarter | Size | Founded | Ownership |
---|---|---|---|---|
Carmel Solutions | Carmel, Indiana, United States (USA) | 11-50 | 2009 | Private |
First Internet Bank | Fishers, Indiana, United States (USA) | 201-500 | 1999 | Private |
Sharetec Systems | Fort Wayne, Indiana, United States (USA) | 51-200 | 1993 | Private |
The Pathfinder Group, Ltd. | Valparaiso, Indiana, United States (USA) | 11-50 | 1992 | Private |
Allied Payment Network | Fort Wayne, Indiana, United States (USA) | 51-200 | 2010 | Corporate |
NWSB (New Washington State Bank) | Charlestown, Indiana, United States (USA) | 51-200 | 1908 | Private |
Atto | Edinburgh, Indiana, United States (USA) | 11-50 | 2010 | Corporate |
Evolv | Newburgh, Indiana, United States (USA) | 51-200 | 1998 | Family Owned |
Allied Solutions LLC | Carmel, Indiana, United States (USA) | 1001-5000 | 1978 | Private |
Trabian | Indianapolis, Indiana, United States (USA) | 11-50 | 2003 | Corporate |
Moneytree Software | Muncie, Indiana, United States (USA) | 11-50 | 1981 | Corporate |
Group 1001 | Zionsville, Indiana, United States (USA) | 1001-5000 | 2013 | Private |
SAC Finance, Inc. | Fort Wayne, Indiana, United States (USA) | 51-200 | 1995 | Private |
Your Money Line | Indianapolis, Indiana, United States (USA) | 11-50 | 2017 | Venture Capital |
POS Merchant Card Services Inc. | Fort Wayne, Indiana, United States (USA) | 51-200 | 1999 | Private |
Tempus Technologies, Inc | Auburn, Indiana, United States (USA) | 51-200 | 1987 | Corporate |
Baker Hill | Carmel, Indiana, United States (USA) | 51-200 | 1984 | Private Equity |
iSolutions | Indianapolis, Indiana, United States (USA) | 11-50 | 2008 | Private |
InterCambio Express, Inc. | Elkhart, Indiana, United States (USA) | 51-200 | 1998 | Private |
NextGear Capital | Carmel, Indiana, United States (USA) | 501-1000 | 2013 | Private |
EquitiesFirst | Indianapolis, Indiana, United States (USA) | 11-50 | 2002 | Family Owned |
fiVISION | Indianapolis, Indiana, United States (USA) | 11-50 | 2003 | Private |
Want to Find More Fintech Companies?
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