Business Analytics SoftwareSize, Share, and Outlook, H2-2025 Report-By Component (Software, Service), By Deployment Mode (On-premise, Cloud), By Application (Customer Analytics, Supply Chain Analytics, Marketing Analytics, Pricing Analytics, Risk & Credit
Description
Business Analytics Software Market Outlook
The Business Analytics Software Market size is expected to register a robust growth rate during the forecast period from 2025 to 2032. The Business Analytics Software market is a thriving business that is poised to keep growing and presents potential growth opportunities for companies across the industry value chain.
The comprehensive market research report presents 12-year historic and forecast data on Business Analytics Software segments across 22 countries from 2021 to 2032. Key segments in the report include By Component (Software, Service), By Deployment Mode (On-premise, Cloud), By Application (Customer Analytics, Supply Chain Analytics, Marketing Analytics, Pricing Analytics, Risk & Credit Analytics, Others), By Organization Size (Large Enterprises, Small- & Medium-sized Enterprises), By End-User (IT & Telecom, Retail & E-commerce, BFSI, Manufacturing, Healthcare, Government, Education, Others). Over 70 tables and charts showcase findings from our latest survey report on Business Analytics Software markets.
Business Analytics Software Market Insights, 2025
The business analytics software market plays a critical role in enabling organizations to transform data into actionable insights across functions such as sales, operations, finance, and HR. Tools such as Tableau, Microsoft Power BI, Qlik, and SAS are empowering businesses to visualize trends, monitor KPIs, and predict outcomes using data from both internal systems and external sources. The demand for self-service analytics, interactive dashboards, and real-time reporting has surged as decision-makers seek greater agility and responsiveness. Cloud-based analytics platforms are now the norm, offering scalability, security, and integration with enterprise data lakes and warehouses. Embedded analytics and AI-driven recommendations are transforming how insights are consumed—moving from reactive to proactive decision-making. Industry-specific analytics modules are helping companies tailor strategies in areas like retail merchandising, supply chain optimization, and customer retention. With growing interest in data democratization, user-friendly interfaces and low-code customizations are reducing the dependency on IT departments. As data becomes the new currency of competition, business analytics software is central to strategic agility and operational excellence..
Five Trends that will define global Business Analytics Software market in 2025 and Beyond
A closer look at the multi-million market for Business Analytics Software identifies rapidly shifting consumer preferences across categories. By focusing on growth and resilience, leading Business Analytics Software companies are prioritizing their investments across categories, markets, and geographies. The report analyses the most important market trends shaping the new landscape to support better decisions for the long and short-term future. The impact of tariffs by the US administration also significantly impact the profitability of Business Analytics Software vendors.
What are the biggest opportunities for growth in the Business Analytics Software industry?
The Business Analytics Software sector demonstrated remarkable resilience over the past year across developed and developing economies. Further, the market presents significant opportunities to leverage the existing momentum towards actions by 2032. On the other hand, recent macroeconomic developments including rising inflation and supply chain disruptions are putting pressure on companies. The chapter assists users to identify growth avenues and address business challenges to make informed commercial decisions with unique insights, data forecasts, and in-depth market analyses.
Business Analytics Software Market Segment Insights
The Business Analytics Software industry presents strong offers across categories. The analytical report offers forecasts of Business Analytics Software industry performance across segments and countries. Key segments in the industry include- By Component (Software, Service), By Deployment Mode (On-premise, Cloud), By Application (Customer Analytics, Supply Chain Analytics, Marketing Analytics, Pricing Analytics, Risk & Credit Analytics, Others), By Organization Size (Large Enterprises, Small- & Medium-sized Enterprises), By End-User (IT & Telecom, Retail & E-commerce, BFSI, Manufacturing, Healthcare, Government, Education, Others). The largest types, applications, and sales channels, fastest growing segments, and the key factors driving each of the categories are included in the report.
Forecasts of each segment across five regions are provided from 2021 through 2032 for Asia Pacific, North America, Europe, South America, Middle East, and African regions. In addition, Business Analytics Software market size outlook is provided for 22 countries across these regions.
Market Value Chain
The chapter identifies potential companies and their operations across the global Business Analytics Software industry ecosystem. It assists decision-makers in evaluating global Business Analytics Software market fundamentals, market dynamics, and disruptive trends across the value chain segments.
Scenario Analysis and Forecasts
Strategic decision-making in the Business Analytics Software industry is multi-faceted with the increased need for planning across scenarios. The report provides forecasts across three case scenarios- low growth, reference case, and high growth cases.
Asia Pacific Business Analytics Software Market Analysis- A Promising Growth Arena for Business Expansion
As companies increasingly expand across promising Asia Pacific markets with over 4.5 billion population, the medium-to-long-term future remains robust. The presence of the fastest-growing economies such as China, India, Thailand, Indonesia, and Vietnam coupled with strengthening middle-class populations and rising disposable incomes drive the market. In particular, China and India are witnessing rapid shifts in consumer purchasing behavior. China is recovering steadily with optimistic forecasts for 2025. Further, Japanese and South Korean markets remain stable with most companies focusing on new product launches and diversification of sales channels.
The State of Europe Business Analytics Software Industry 2025- Focus on Accelerating Competitiveness
As companies opt for an integrated agenda for competitiveness, the year 2025 presents optimistic scenarios for companies across the ecosystem. With signs of economic recovery across markets, companies are increasing their investments. Europe is one of the largest markets for Business Analytics Software with demand from both Western Europe and Eastern European regions increasing over the medium to long-term future. Increasing omnichannel shopping amidst robust consumer demand for value purchases shapes the market outlook. The report analyses the key Business Analytics Software market drivers and opportunities across Germany, France, the United Kingdom, Spain, Italy, Russia, and other Europe.
The US Business Analytics Software market Insights- Vendors are exploring new opportunities within the US Business Analytics Software industry.
Easing inflation coupled with strengthening consumer sentiment is encouraging aggressive actions from the US Business Analytics Software companies. Market players consistently focusing on innovation and pursuing new ways to create value are set to excel in 2025. In addition, the Canadian and Mexican markets offer lucrative growth pockets for manufacturers and vendors. Focus on private-brand offerings and promotions, diversified sales channels, expansion into niche segments, adoption of advanced technologies, and sustainability are widely observed across the North American Business Analytics Software market.
Latin American Business Analytics Software market outlook rebounds in line with economic growth.
Underlying demand remains higher among urban consumers with an optimistic economic outlook across Brazil, Argentina, Chile, and other South and Central American countries. Increased consumer spending has been reported in Q1 -2025 and the prospects remain strong for rest of 2025. Aggressive ecosystem moves to create new sources of income are widely observed across markets in the region. Marketing activities focused on customer insights, operations, and support functions are quickly gaining business growth in the region.
Middle East and Africa Business Analytics Software Markets- New Opportunities for Companies Harnessing Diversity
Rapid growth in burgeoning urban locations coupled with a young and fast-growing population base is attracting new investments in the Middle East and African Business Analytics Software markets. Designing expansion and marketing strategies to cater to the local consumer base supports the market prospects. In addition to Nigeria, Algeria, South Africa, and other markets, steady growth markets in Ethiopia, Rwanda, Ghana, Tanzania, the Democratic Republic of Congo, and others present significant prospects for companies. On the other hand, Middle Eastern Business Analytics Software markets including the UAE, Saudi Arabia, Qatar, and Oman continue to offer lucrative pockets of growth.
Competitive Landscape- How Business Analytics Software companies outcompete in 2025?
The ability to respond quickly to evolving consumer preferences and adapt businesses to niche consumer segments remains a key growth factor. The report identifies the leading companies in the industry and provides their revenue for 2024. The market shares of each company are also included in the report. Further, business profiles, SWOT analysis, and financial analysis of each company are provided in detail. Key companies analyzed in the report include Adobe Systems Inc, International Business Machines Corp, Microsoft Corp, Oracle Corp, Qlik Technologies Inc, Salesforce.com, SAP SE, SAS Institute Inc, Tableau Software, Tibco Software.
Business Analytics Software Market Segmentation
By Component
Software
Service
By Deployment Mode
On-premise
Cloud
By Application
Customer Analytics
Supply Chain Analytics
Marketing Analytics
Pricing Analytics
Risk & Credit Analytics
Others
By Organization Size
Large Enterprises
Small- & Medium-sized Enterprises
By End-User
IT & Telecom
Retail & E-commerce
BFSI
Manufacturing
Healthcare
Government
Education
Others
Leading Companies
Adobe Systems Inc
International Business Machines Corp
Microsoft Corp
Oracle Corp
Qlik Technologies Inc
Salesforce.com
SAP SE
SAS Institute Inc
Tableau Software
Tibco Software
Reasons to Buy the report Make informed decisions through long and short-term forecasts across 22 countries and segments. Evaluate market fundamentals, dynamics, and disrupting trends set to shape 2025 and beyond. Gain a clear understanding of the competitive landscape, with product portfolio and growth strategies. Get an integrated understanding of the entire market ecosystem and companies. Stay ahead of the competition through plans for growth in a changing environment for your geographic expansion. Assess the impact of advanced technologies and identify growth opportunities based on actionable data and insights. Get free Excel spreadsheet and PPT versions along with the report PDF.
The Business Analytics Software Market size is expected to register a robust growth rate during the forecast period from 2025 to 2032. The Business Analytics Software market is a thriving business that is poised to keep growing and presents potential growth opportunities for companies across the industry value chain.
The comprehensive market research report presents 12-year historic and forecast data on Business Analytics Software segments across 22 countries from 2021 to 2032. Key segments in the report include By Component (Software, Service), By Deployment Mode (On-premise, Cloud), By Application (Customer Analytics, Supply Chain Analytics, Marketing Analytics, Pricing Analytics, Risk & Credit Analytics, Others), By Organization Size (Large Enterprises, Small- & Medium-sized Enterprises), By End-User (IT & Telecom, Retail & E-commerce, BFSI, Manufacturing, Healthcare, Government, Education, Others). Over 70 tables and charts showcase findings from our latest survey report on Business Analytics Software markets.
Business Analytics Software Market Insights, 2025
The business analytics software market plays a critical role in enabling organizations to transform data into actionable insights across functions such as sales, operations, finance, and HR. Tools such as Tableau, Microsoft Power BI, Qlik, and SAS are empowering businesses to visualize trends, monitor KPIs, and predict outcomes using data from both internal systems and external sources. The demand for self-service analytics, interactive dashboards, and real-time reporting has surged as decision-makers seek greater agility and responsiveness. Cloud-based analytics platforms are now the norm, offering scalability, security, and integration with enterprise data lakes and warehouses. Embedded analytics and AI-driven recommendations are transforming how insights are consumed—moving from reactive to proactive decision-making. Industry-specific analytics modules are helping companies tailor strategies in areas like retail merchandising, supply chain optimization, and customer retention. With growing interest in data democratization, user-friendly interfaces and low-code customizations are reducing the dependency on IT departments. As data becomes the new currency of competition, business analytics software is central to strategic agility and operational excellence..
Five Trends that will define global Business Analytics Software market in 2025 and Beyond
A closer look at the multi-million market for Business Analytics Software identifies rapidly shifting consumer preferences across categories. By focusing on growth and resilience, leading Business Analytics Software companies are prioritizing their investments across categories, markets, and geographies. The report analyses the most important market trends shaping the new landscape to support better decisions for the long and short-term future. The impact of tariffs by the US administration also significantly impact the profitability of Business Analytics Software vendors.
What are the biggest opportunities for growth in the Business Analytics Software industry?
The Business Analytics Software sector demonstrated remarkable resilience over the past year across developed and developing economies. Further, the market presents significant opportunities to leverage the existing momentum towards actions by 2032. On the other hand, recent macroeconomic developments including rising inflation and supply chain disruptions are putting pressure on companies. The chapter assists users to identify growth avenues and address business challenges to make informed commercial decisions with unique insights, data forecasts, and in-depth market analyses.
Business Analytics Software Market Segment Insights
The Business Analytics Software industry presents strong offers across categories. The analytical report offers forecasts of Business Analytics Software industry performance across segments and countries. Key segments in the industry include- By Component (Software, Service), By Deployment Mode (On-premise, Cloud), By Application (Customer Analytics, Supply Chain Analytics, Marketing Analytics, Pricing Analytics, Risk & Credit Analytics, Others), By Organization Size (Large Enterprises, Small- & Medium-sized Enterprises), By End-User (IT & Telecom, Retail & E-commerce, BFSI, Manufacturing, Healthcare, Government, Education, Others). The largest types, applications, and sales channels, fastest growing segments, and the key factors driving each of the categories are included in the report.
Forecasts of each segment across five regions are provided from 2021 through 2032 for Asia Pacific, North America, Europe, South America, Middle East, and African regions. In addition, Business Analytics Software market size outlook is provided for 22 countries across these regions.
Market Value Chain
The chapter identifies potential companies and their operations across the global Business Analytics Software industry ecosystem. It assists decision-makers in evaluating global Business Analytics Software market fundamentals, market dynamics, and disruptive trends across the value chain segments.
Scenario Analysis and Forecasts
Strategic decision-making in the Business Analytics Software industry is multi-faceted with the increased need for planning across scenarios. The report provides forecasts across three case scenarios- low growth, reference case, and high growth cases.
Asia Pacific Business Analytics Software Market Analysis- A Promising Growth Arena for Business Expansion
As companies increasingly expand across promising Asia Pacific markets with over 4.5 billion population, the medium-to-long-term future remains robust. The presence of the fastest-growing economies such as China, India, Thailand, Indonesia, and Vietnam coupled with strengthening middle-class populations and rising disposable incomes drive the market. In particular, China and India are witnessing rapid shifts in consumer purchasing behavior. China is recovering steadily with optimistic forecasts for 2025. Further, Japanese and South Korean markets remain stable with most companies focusing on new product launches and diversification of sales channels.
The State of Europe Business Analytics Software Industry 2025- Focus on Accelerating Competitiveness
As companies opt for an integrated agenda for competitiveness, the year 2025 presents optimistic scenarios for companies across the ecosystem. With signs of economic recovery across markets, companies are increasing their investments. Europe is one of the largest markets for Business Analytics Software with demand from both Western Europe and Eastern European regions increasing over the medium to long-term future. Increasing omnichannel shopping amidst robust consumer demand for value purchases shapes the market outlook. The report analyses the key Business Analytics Software market drivers and opportunities across Germany, France, the United Kingdom, Spain, Italy, Russia, and other Europe.
The US Business Analytics Software market Insights- Vendors are exploring new opportunities within the US Business Analytics Software industry.
Easing inflation coupled with strengthening consumer sentiment is encouraging aggressive actions from the US Business Analytics Software companies. Market players consistently focusing on innovation and pursuing new ways to create value are set to excel in 2025. In addition, the Canadian and Mexican markets offer lucrative growth pockets for manufacturers and vendors. Focus on private-brand offerings and promotions, diversified sales channels, expansion into niche segments, adoption of advanced technologies, and sustainability are widely observed across the North American Business Analytics Software market.
Latin American Business Analytics Software market outlook rebounds in line with economic growth.
Underlying demand remains higher among urban consumers with an optimistic economic outlook across Brazil, Argentina, Chile, and other South and Central American countries. Increased consumer spending has been reported in Q1 -2025 and the prospects remain strong for rest of 2025. Aggressive ecosystem moves to create new sources of income are widely observed across markets in the region. Marketing activities focused on customer insights, operations, and support functions are quickly gaining business growth in the region.
Middle East and Africa Business Analytics Software Markets- New Opportunities for Companies Harnessing Diversity
Rapid growth in burgeoning urban locations coupled with a young and fast-growing population base is attracting new investments in the Middle East and African Business Analytics Software markets. Designing expansion and marketing strategies to cater to the local consumer base supports the market prospects. In addition to Nigeria, Algeria, South Africa, and other markets, steady growth markets in Ethiopia, Rwanda, Ghana, Tanzania, the Democratic Republic of Congo, and others present significant prospects for companies. On the other hand, Middle Eastern Business Analytics Software markets including the UAE, Saudi Arabia, Qatar, and Oman continue to offer lucrative pockets of growth.
Competitive Landscape- How Business Analytics Software companies outcompete in 2025?
The ability to respond quickly to evolving consumer preferences and adapt businesses to niche consumer segments remains a key growth factor. The report identifies the leading companies in the industry and provides their revenue for 2024. The market shares of each company are also included in the report. Further, business profiles, SWOT analysis, and financial analysis of each company are provided in detail. Key companies analyzed in the report include Adobe Systems Inc, International Business Machines Corp, Microsoft Corp, Oracle Corp, Qlik Technologies Inc, Salesforce.com, SAP SE, SAS Institute Inc, Tableau Software, Tibco Software.
Business Analytics Software Market Segmentation
By Component
Software
Service
By Deployment Mode
On-premise
Cloud
By Application
Customer Analytics
Supply Chain Analytics
Marketing Analytics
Pricing Analytics
Risk & Credit Analytics
Others
By Organization Size
Large Enterprises
Small- & Medium-sized Enterprises
By End-User
IT & Telecom
Retail & E-commerce
BFSI
Manufacturing
Healthcare
Government
Education
Others
Leading Companies
Adobe Systems Inc
International Business Machines Corp
Microsoft Corp
Oracle Corp
Qlik Technologies Inc
Salesforce.com
SAP SE
SAS Institute Inc
Tableau Software
Tibco Software
Reasons to Buy the report
Table of Contents
168 Pages
- 1. Table of Contents
- List of Figures and Tables
- 2. Executive Summary
- 2.1 Key Highlights
- 2.1.1 Business Analytics Software Market Size Outlook, 2018-2024 and 2025-2032
- 2.1.2 Largest Business Analytics Software Market Types and Applications
- 2.1.3 Fastest Growing Segments
- 2.1.4 Potential Markets
- 2.1.5 Market Concentration
- 2.2 Market Scope and Segmentation
- 2.2.1 Market Scope- Segments
- 2.2.2 Market Scope- Countries
- 2.2.3 Macroeconomic and Demographic Outlook
- 2.2.4 Abbreviations
- 2.2.5 Units and Currency Conversions
- 3. Research Methodology
- 3.1 Primary Research Surveys
- 3.2 Secondary Data Sources
- 3.3 Data Triangulation
- 3.4 Forecast Methodology
- 3.5 Assumptions and Limitations
- 4. Introduction to Global Business Analytics Software Market in 2025
- 4.1 Industry Panorama
- 4.2 Leading Companies Profiled in the Study
- 4.3 Asia Pacific Markets offer Robust Market Prospects for New Entrants
- 4.4 Market Dynamics
- 4.4.1 Market Dynamics- Trends and Drivers
- 4.4.2 Market Dynamics- Opportunities and Challenges
- 4.5 Regional Analysis
- 4.6 Porter’s Five Force Analysis
- 4.6.1 Intensity of Competitive Rivalry
- 4.6.2 Threat of New Entrants
- 4.6.3 Threat of Substitutes
- 4.6.4 Bargaining Power of Buyers
- 4.6.5 Bargaining Power of Suppliers
- 4.7 Business Analytics Software Industry Value Chain Analysis
- 4.7.1 Stage of Value Chain
- 4.7.2 Key Activities of Companies
- 4.7.3 Companies Included in Each Stage
- 4.7.4 Key Insights
- 5. Business Analytics Software Market Outlook to 2032
- 5.1 Market Size Forecast by Type, 2021-2024 and 2025-2032
- 5.2 Market Size Forecast by Application, 2021-2024 and 2024-2032
- 5.3 Market Size Forecast by Geography, 2021-2024 and 2024-2032
- By Component
- Software
- Service
- By Deployment Mode
- On-premise
- Cloud
- By Application
- Customer Analytics
- Supply Chain Analytics
- Marketing Analytics
- Pricing Analytics
- Risk & Credit Analytics
- Others
- By Organization Size
- Large Enterprises
- Small- & Medium-sized Enterprises
- By End-User
- IT & Telecom
- Retail & E-commerce
- BFSI
- Manufacturing
- Healthcare
- Government
- Education
- Others
- 6. Global Business Analytics Software Market Outlook across Growth Scenarios
- 6.1 Low Growth Scenario
- 6.2 Base/Reference Case
- 6.3 High Growth Scenario
- 6. North America Business Analytics Software Market Size Outlook
- 6.1 Key Market Statistics, 2024
- 6.2 North America Business Analytics Software Market Trends and Growth Opportunities
- 6.2.1 North America Business Analytics Software Market Outlook by Type
- 6.2.2 North America Business Analytics Software Market Outlook by Application
- 6.3 North America Business Analytics Software Market Outlook by Country
- 6.3.1 The US Business Analytics Software Market Outlook, 2021- 2032
- 6.3.2 Canada Business Analytics Software Market Outlook, 2021- 2032
- 6.3.3 Mexico Business Analytics Software Market Outlook, 2021- 2032
- 7. Europe Business Analytics Software Market Size Outlook
- 7.1 Key Market Statistics, 2024
- 7.2 Europe Business Analytics Software Market Trends and Growth Opportunities
- 7.2.1 Europe Business Analytics Software Market Outlook by Type
- 7.2.2 Europe Business Analytics Software Market Outlook by Application
- 7.3 Europe Business Analytics Software Market Outlook by Country
- 7.3.2 Germany Business Analytics Software Market Outlook, 2021- 2032
- 7.3.3 France Business Analytics Software Market Outlook, 2021- 2032
- 7.3.4 The UK Business Analytics Software Market Outlook, 2021- 2032
- 7.3.5 Spain Business Analytics Software Market Outlook, 2021- 2032
- 7.3.6 Italy Business Analytics Software Market Outlook, 2021- 2032
- 7.3.7 Russia Business Analytics Software Market Outlook, 2021- 2032
- 7.3.8 Rest of Europe Business Analytics Software Market Outlook, 2021- 2032
- 8. Asia Pacific Business Analytics Software Market Size Outlook
- 8.1 Key Market Statistics, 2024
- 8.2 Asia Pacific Business Analytics Software Market Trends and Growth Opportunities
- 8.2.1 Asia Pacific Business Analytics Software Market Outlook by Type
- 8.2.2 Asia Pacific Business Analytics Software Market Outlook by Application
- 8.3 Asia Pacific Business Analytics Software Market Outlook by Country
- 8.3.1 China Business Analytics Software Market Outlook, 2021- 2032
- 8.3.2 India Business Analytics Software Market Outlook, 2021- 2032
- 8.3.3 Japan Business Analytics Software Market Outlook, 2021- 2032
- 8.3.4 South Korea Business Analytics Software Market Outlook, 2021- 2032
- 8.3.5 Australia Business Analytics Software Market Outlook, 2021- 2032
- 8.3.6 South East Asia Business Analytics Software Market Outlook, 2021- 2032
- 8.3.7 Rest of Asia Pacific Business Analytics Software Market Outlook, 2021- 2032
- 9. South America Business Analytics Software Market Size Outlook
- 9.1 Key Market Statistics, 2024
- 9.2 South America Business Analytics Software Market Trends and Growth Opportunities
- 9.2.1 South America Business Analytics Software Market Outlook by Type
- 9.2.2 South America Business Analytics Software Market Outlook by Application
- 9.3 South America Business Analytics Software Market Outlook by Country
- 9.3.1 Brazil Business Analytics Software Market Outlook, 2021- 2032
- 9.3.2 Argentina Business Analytics Software Market Outlook, 2021- 2032
- 9.3.3 Rest of South and Central America Business Analytics Software Market Outlook, 2021- 2032
- 10. Middle East and Africa Business Analytics Software Market Size Outlook
- 10.1 Key Market Statistics, 2024
- 10.2 Middle East and Africa Business Analytics Software Market Trends and Growth Opportunities
- 10.2.1 Middle East and Africa Business Analytics Software Market Outlook by Type
- 10.2.2 Middle East and Africa Business Analytics Software Market Outlook by Application
- 10.3 Middle East and Africa Business Analytics Software Market Outlook by Country
- 10.3.1 Saudi Arabia Business Analytics Software Market Outlook, 2021- 2032
- 10.3.2 The UAE Business Analytics Software Market Outlook, 2021- 2032
- 10.3.3 Rest of Middle East Business Analytics Software Market Outlook, 2021- 2032
- 10.3.4 South Africa Business Analytics Software Market Outlook, 2021- 2032
- 10.3.5 Egypt Business Analytics Software Market Outlook, 2021- 2032
- 10.3.6 Rest of Africa Business Analytics Software Market Outlook, 2021- 2032
- 11. Company Profiles
- 11.1 Leading 10 Companies
- Adobe Systems Inc
- International Business Machines Corp
- Microsoft Corp
- Oracle Corp
- Qlik Technologies Inc
- Salesforce.com
- SAP SE
- SAS Institute Inc
- Tableau Software
- Tibco Software
- 11.2 Overview
- 11.3 Products and Services
- 11.4 SWOT Profile
- 12. Appendix
- 12.1 Subscription Options
- 12.2 Customization Options
- 12.3 Publisher Details
Pricing
Currency Rates
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