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2. Whether the IT systems—
(a)are of sufficient standard to allow the scheme to meet its objectives as set out in the business plan;
(b)are capable of being upgraded to reflect changes in required transactions and capacity;
(c)have restricted physical and electronic access, with firewalls and other appropriate protection against viruses and other threats;
(d)have a back-up system which allows data to be recovered if the main system fails.
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