结果：随着卡帕统计，可见美国和欧洲的分级系统比较温和。
Results: With use of kappa statistics, moderate agreement between the United States and European grading systems was seen.
它向欧洲人提供了直接关联至其现金账户的数字支付系统，而非众多数字钱包提供的支付卡方式。
It provides Europeans with a digital payments option that connects directly to their current accounts rather than to a payment card as many digital wallets do.
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