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What does EMI mean and stand for?

It's short for E-Money Institution or Electronic Money Institution. It's a non-bank deposit taking institution. The term is most often used to refer to financial institution licensed as e-money institutions within the EU/EEA, under the E-Money Directive (2009/110/EC) and Payment Services Directive 2 (2015/2366).

However, it's used loosely enough now to also include non-bank deposit taking institutions outside of the EU.
 
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