回答 @冯磊:Globally, we have a set of principle and discipline on how to design and implement a system. However, when we develop a system, we need to see the specific need for that product and for that country. For most of the corporate client products and services, we tend to standardize them across multiple geographies, as this is the expectation of our multi-national clients. For most of the retail client products, we tend to customize them for local customer and regulatory needs, while following the global technical standards. We build and host systems locally for local needs.