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One of the areas where blockchain is being applied is in the simplification of the bank guarantee process. It’s a complex, paper based process that can take up to a month to issue due to the fact that multiple parties are often involved. With Lygon, IBM is working with major banks and retail landlord Scentre Group to create a blockchain solution that can get that timeframe down to days.   
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Change is coming faster than ever in 2020 as a global crisis forces the world to grapple with a host 
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