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fintech, Scotland, Global Open Finance Centre of Excellence, GOFCoE, Edinburgh, Central Belt, R&D, Open Banking, banking, data, UK Research and Innovation, Strength in Places Fund, University of Edinburgh, Financial Data and Technology Association, FDATA, Scottish Enterprise
Karma, Scottish Government, fintech, UK, United Kingdom, interest-free, salary advances, Karma app, fintech cluster, University of Edinburgh, Bayes Centre, artificial intelligence, Tesco, Asda, Morrisons, Waitrose, Amazon, Fortunis Capital, social investor