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It is basically peoples spending habits. Companines and individuals are usually cash rich in the first half of the month, hence the increase in expenditure. As bills arrive etc they slow down. Once these have been paid they start to spend again knowing that they only have to wait for the end of the month before another cash delivery will occur.
Now you could say that being companied money will be coming in throughout the month, which is correct. However, they will be looking at the sign up stats which will resemble the consumers pay packets, normally the end of the month.
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