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The details for Ant’s restructuring plan after its IPO was called off have arrived. Ant Group, the fintech affiliate of Alibaba controlled by Jack Ma, will be restructuring as a financial holding company, China’s central bank said on Monday.

Ant, which provides online infrastructure for payments and other financial services, needs to “correct its anti-competitive practices” and “give consumers more options in payments methods,” the regulator said. It should also end its monopoly on user information.

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