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The financial services industry spends billions of dollars on ITdevelopment to maintain its competitive edge. Most recently, banks,risk management firms, and insurance companies have been focusing onautomating business processes and building systems that reduce thetime from negotiating a trade to settling it to running risk analyticson trade positions. This is referred to as Straight ThroughProcessing (STP); according to the Tower Group, the financial servicesindustry will spend over $12.2 bill 
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