D1 Revenue Mix (5 streams)
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D2 Interest Income + Portfolio Yield (CR only)
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D3 Interchange Yield (bps) by Scheme × MCC
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D4 Interchange Downgrade Leakage by Scheme
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D5 Annual Fee Recognition by Month
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D6 FX Revenue + Cross-border Margin
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D7 Cash Advance Revenue (CR only)
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D8 Late + Overlimit Fee Recognition (CR only)
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D10 Affinity Revenue Share + Partner Payout
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