HANOI -- Kosmo, the latest highrise residential and commercial development in Bac Tu Liem District, a new, upmarket suburb west of Hanoi, is approaching completion. One Friday afternoon, Thanh Thuy, a 38-year-old resident, steps out of a street-level cafe to receive a parcel from green-uniformed Giaohangnhanh deliveryman. Thuy has no wallet.
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