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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n63rfyb0.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Capital Markets Nexus<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Market infrastructure technology<\/h1><p class=\"nx-scene-lede\">Payment and financial market technology covers the trading platforms, central counterparties, depositories and payment <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> through which capital markets operate. Analysis focuses on settlement risk, liquidity needs, operational resilience and the dependencies that let a technical failure become a market event.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/capital-markets-nexus\/write-to-us\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/capital-markets-nexus\/stem\/\">Back to STEM foundation of Capital Markets Nexus<\/a><\/div><\/div><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Register<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">Market infrastructure technology on the record.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"console\"><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Method record<\/strong><\/span><span class=\"nx-eyebrow\">STEM method<\/span><\/div><ol class=\"nx-register-rows\"><li><div><span class=\"nx-register-k\">Method<\/span><span class=\"nx-register-v\">Payment and financial market technology<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Steward<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/\">Payments and Market Infrastructure<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Applied in<\/span><span class=\"nx-register-v\">Capital Markets Nexus<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Data<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"#nx-sec-data\">4 inputs<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Checks<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"#nx-sec-checks\">3 validation steps<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Canonical page<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/technology\/payments-technology\/\">STEM Commons<\/a><\/span><\/div><\/li><\/ol><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"finance\" aria-label=\"Application, Stress test, Data\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Application, Stress test, Data\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-application\" aria-selected=\"true\" data-key=\"p1\">Application<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-instrument\" aria-selected=\"false\" data-key=\"p2\">Stress test<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-data\" aria-selected=\"false\" data-key=\"p3\">Data<\/button><\/div><section id=\"nx-sec-application\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-2\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Application<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">What payment and financial market technology does here.<\/h2><p class=\"nx-lede\">Payment and financial market technology covers the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> that clear and settle transactions and support trading. Their continuity is essential for economic activity and crisis response. In capital markets and investment and financial stability, payments analysis shows how operational outages or cyber events can <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h5\" data-tc=\"NHS-1 atmo.thermal.hard-freeze\" data-tk=\"Atmosphere and weather \u00b7 Thermal extremes\" data-td=\"Air temperature falling well below freezing for hours, killing crops, bursting pipes and stopping water flow.\" data-ts=\"NRS-H5\" data-tr=\"draft\">freeze<\/a> liquidity across the economy. It informs resilience standards and contingency arrangements. The canonical description is on <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/technology\/payments-technology\/\">the STEM Commons<\/a>.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cols\"><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 22h14\"\/><path d=\"M5 2h14\"\/><path d=\"M17 22v-4.172a2 2 0 0 0-.586-1.414L12 12l-4.414 4.414A2 2 0 0 0 7 17.828V22\"\/><path d=\"M7 2v4.172a2 2 0 0 0 .586 1.414L12 12l4.414-4.414A2 2 0 0 0 17 6.172V2\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Settlement cycle analysis<\/h3><p class=\"nx-p nx-mt-1\">Changes to settlement cycles are analysed for their effects on counterparty exposure, margin, funding needs and the time available to match, allocate and correct trades.<\/p><\/article><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 12h-2.48a2 2 0 0 0-1.93 1.46l-2.35 8.36a.25.25 0 0 1-.48 0L9.24 2.18a.25.25 0 0 0-.48 0l-2.35 8.36A2 2 0 0 1 4.49 12H2\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Liquidity simulation for infrastructures<\/h3><p class=\"nx-p nx-mt-1\">Payment and settlement flows are simulated under participant defaults or outages to estimate liquidity needs and the queues that would form.<\/p><\/article><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Operational resilience review<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 recovery-time\" data-tk=\"Nexus risk vocabulary\" data-td=\"The time needed to restore a function or service to an acceptable level after disruption.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Recovery time<\/a> objectives, failover arrangements and third-party dependencies of infrastructures are reviewed against scenarios of cyber incidents and provider failures.<\/p><\/article><\/div><\/div><\/div><\/section><section id=\"nx-sec-instrument\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-ns-layout=\"es-wide\" aria-labelledby=\"nx-s-3\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Stress test<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">How a shock to assets becomes a system loss.<\/h2><p class=\"nx-lede\">The equity the system loses after interbank contagion, against the initial hit, as leverage, interconnection and recovery rates change, the core of a macroprudential <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 stress-test\" data-tk=\"Nexus risk vocabulary\" data-td=\"An assessment of how a system, portfolio or institution would perform under severe but plausible adverse scenarios, to find weaknesses before they are revealed by events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">stress test<\/a>. Teaching model with stated illustrative values, not a prediction.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-in nx-fk\" id=\"nx-in-l-markets-nexus-stem-payments-technology-0\" data-nxi=\"debtrank\" data-nxi-id=\"debtrank\" data-nxi-z=\"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\" aria-label=\"How a shock to assets becomes a system loss\"><div class=\"nx-in-body\"><div class=\"nx-in-main\"><div class=\"nx-in-tabs\" data-nxi-tabs=\"true\" aria-label=\"Views of the model\" hidden><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"result\">Result<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"net\">Network<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"fan\">Uncertainty<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"tornado\">Sensitivity<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"loops\">Loops<\/button><\/div><div class=\"nx-in-stage\" id=\"nx-in-l-markets-nexus-stem-payments-technology-0-stage\" data-nxi-stage=\"true\" data-view=\"result\"><svg class=\"nx-in-svg\" viewBox=\"0 0 720 340\" role=\"img\" aria-label=\"Equity lost\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-in-tip\" data-nxi-tip=\"true\" aria-live=\"polite\"><\/p><div class=\"nx-in-bar\" data-nxi-bar=\"true\" role=\"group\" aria-label=\"Play over time\" hidden><button type=\"button\" class=\"nx-in-btn\" data-nxi-prev=\"true\" aria-label=\"Step back\">&#8249;<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-play=\"true\" aria-pressed=\"false\">Play<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-next=\"true\" aria-label=\"Step forward\">&#8250;<\/button><span class=\"nx-in-step\" data-nxi-step=\"true\" aria-live=\"polite\"><\/span><\/div><\/div><div class=\"nx-in-side\"><p class=\"nx-eyebrow\">Controls<\/p><div class=\"nx-in-ctl\" data-nxi-ctl=\"true\"><dl class=\"nx-in-pv\"><div><dt>Fall in external assets<\/dt><dd>2.0%<\/dd><\/div><div><dt>Leverage (assets over equity)<\/dt><dd>10 times<\/dd><\/div><div><dt>Interbank share of assets<\/dt><dd>10%<\/dd><\/div><div><dt>Recovery on interbank claims<\/dt><dd>40%<\/dd><\/div><div><dt>Banks in the system<\/dt><dd>20<\/dd><\/div><div><dt>Core banks<\/dt><dd>20% of banks<\/dd><\/div><\/dl><\/div><p class=\"nx-eyebrow\">Readouts<\/p><dl class=\"nx-in-out\" data-nxi-out=\"true\" aria-live=\"polite\"><div><dt>Equity lost to the initial shock<\/dt><dd>18.0%<\/dd><\/div><div><dt>Equity lost after contagion<\/dt><dd>45.0%<\/dd><\/div><div><dt>Added by contagion (DebtRank)<\/dt><dd>27.0 points<\/dd><\/div><div><dt>Banks in default<\/dt><dd>0<\/dd><\/div><\/dl><\/div><\/div><details class=\"nx-in-more\"><summary>Numbers, methods and sources<\/summary><div class=\"nx-in-more-in\"><div class=\"nx-in-tblw\" data-nxi-table=\"true\"><table class=\"nx-in-tbl\"><thead><tr><th scope=\"col\">Round<\/th><th scope=\"col\">System equity lost (%)<\/th><th scope=\"col\">Banks in default<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">0<\/th><td>18.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">1<\/th><td>28.80<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">2<\/th><td>35.28<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">3<\/th><td>39.17<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">4<\/th><td>41.50<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">5<\/th><td>42.90<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">6<\/th><td>43.74<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">7<\/th><td>44.24<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">8<\/th><td>44.55<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">9<\/th><td>44.73<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">10<\/th><td>44.84<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">11<\/th><td>44.90<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">12<\/th><td>44.94<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">13<\/th><td>44.96<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">14<\/th><td>44.98<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">15<\/th><td>44.99<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">16<\/th><td>44.99<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">17<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">18<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">19<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">20<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">21<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">22<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">23<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">24<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">25<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">26<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">27<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">28<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">29<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">30<\/th><td>45.00<\/td><td>0<\/td><\/tr><\/tbody><\/table><\/div><button type=\"button\" class=\"nx-in-btn\" data-nxi-csv=\"true\" hidden>Download the numbers (CSV)<\/button><h4 class=\"nx-h4\">Methods<\/h4><ol class=\"nx-in-meth\"><li>DebtRank <span class=\"nx-in-cite\">Battiston and others (2012), Scientific Reports 2:541<\/span><\/li><li>Differential DebtRank <span class=\"nx-in-cite\">Bardoscia and others (2015), PLOS ONE 10<\/span><\/li><li>Contagion in financial networks <span class=\"nx-in-cite\">Gai and Kapadia (2010), Proc. R. Soc. A 466<\/span><\/li><li>Clearing in financial networks <span class=\"nx-in-cite\">Eisenberg and Noe (2001), Management Science 47<\/span><\/li><li>Uncertainty fan (parameter Monte Carlo) <span class=\"nx-in-cite\">Spiegelhalter, Pearson and Short (2011), Visualising uncertainty about the future, Science 333<\/span><\/li><li>One-at-a-time sensitivity (tornado) <span class=\"nx-in-cite\">Saltelli and others (2008), Global Sensitivity Analysis: The Primer, Wiley<\/span><\/li><\/ol><h4 class=\"nx-h4\">Data<\/h4><p class=\"nx-p\">No observed data enters this model: it runs on the teaching values set by the controls, to be replaced with a programme&#8217;s own evidence.<\/p><\/div><\/details><figcaption class=\"nx-caption\">How a shock to assets becomes a system loss. Illustrative teaching model: it runs on the values set by the controls, not on measured data. Methods: DebtRank (Battiston and others (2012), Scientific Reports 2:541); Differential DebtRank (Bardoscia and others (2015), PLOS ONE 10); Contagion in financial networks (Gai and Kapadia (2010), Proc. R. Soc. A 466).<\/figcaption><div class=\"nx-in-pls\"><p class=\"nx-eyebrow\">Across the six pillars, led by Nexus Consortium<\/p><ul class=\"nx-in-pl\" aria-label=\"Where this instrument connects across the pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Experiments<\/span> <a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Built in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/capital-markets-nexus\/foundry\/\">Capital Markets Nexus in Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Tested at<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/capital-markets-nexus\/universe\/\">Capital Markets Nexus in Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Codified in<\/span> <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/\">Finance, Insurance and the Economy in Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Published in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/capital-markets-nexus\/reports\/\">Capital Markets Nexus in Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Taught in<\/span> <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/finance-economics\/\">Faculty of Finance and Economics in Academy<\/a><\/li><\/ul><\/div><span class=\"nx-in-keep\" hidden><i data-c=\"c1\"><\/i><i data-c=\"c2\"><\/i><i data-c=\"c3\"><\/i><i data-c=\"c4\"><\/i><i data-c=\"c5\"><\/i><i data-c=\"c6\"><\/i><i data-c=\"l0\"><\/i><i data-c=\"l1\"><\/i><i data-c=\"l2\"><\/i><i data-c=\"l3\"><\/i><i data-c=\"l5\"><\/i><i data-c=\"h3\"><\/i><i data-c=\"neg\"><\/i><i data-c=\"on0\"><\/i><i data-c=\"on1\"><\/i><i data-l=\"0\"><\/i><i data-l=\"1\"><\/i><i data-l=\"2\"><\/i><i data-l=\"3\"><\/i><i data-l=\"4\"><\/i><i data-l=\"5\"><\/i><i data-on=\"0\"><\/i><i data-on=\"1\"><\/i><i data-pol=\"p\"><\/i><i data-pol=\"n\"><\/i><i data-k=\"R\"><\/i><i data-k=\"B\"><\/i><i data-k=\"dash\"><\/i><i data-dash=\"true\"><\/i><i data-view=\"result\"><\/i><i data-nxi-live=\"on\"><\/i><i data-nxi-live=\"off\"><\/i><i class=\"nx-in-svg nx-in-grid nx-in-ax nx-in-tk nx-in-at nx-in-ln nx-in-band nx-in-lbl nx-in-lk nx-in-ref nx-in-reft nx-in-mk nx-in-x nx-in-rect nx-in-val nx-in-rowl nx-in-cl nx-in-arrow nx-in-pol nx-in-cln nx-in-loop nx-in-edge nx-in-node nx-in-nl nx-in-reach nx-in-trib nx-in-agent nx-in-flow nx-in-legend nx-in-sw nx-in-note nx-in-loops nx-in-3d nx-in-cv nx-in-field nx-in-fl nx-in-fv nx-in-range nx-in-btn nx-in-err nx-in-tbl nx-in-cite\"><\/i><\/span><\/figure><\/div><\/div><\/section><section id=\"nx-sec-data\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-4\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Data<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">What the method consumes.<\/h2><p class=\"nx-lede\">Datasets and records used by payment and financial market technology on this platform, with the role each plays and the label its values carry. Sources are listed in <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/capital-markets-nexus\/research\/sources\/\">the source register<\/a>.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Data<\/th><th scope=\"col\">Role<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Data\">CPMI payment and FMI statistics<\/td><td data-label=\"Role\">System values and volumes<\/td><td data-label=\"Label\"><span class=\"nx-chip\">Published statistics<\/span><\/td><\/tr><tr><td data-label=\"Data\">CCP public quantitative disclosures<\/td><td data-label=\"Role\">Liquidity resources and margin flows<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Data\">Settlement fails reports<\/td><td data-label=\"Role\">Settlement efficiency<\/td><td data-label=\"Label\"><span class=\"nx-chip\">Published statistics<\/span><\/td><\/tr><tr><td data-label=\"Data\">Infrastructure incident disclosures<\/td><td data-label=\"Role\">Operational failure analysis<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"data\" data-nxf-kind=\"data\" data-nxf-resource=\"nexus:\/\/gra\/A05\/stem\/payments-technology\/#data\" data-nxf-title=\"Method record\" data-nxf-height=\"520\" hidden><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A05\/stem\/payments-technology\/#evidence\" data-nxf-title=\"Evidence\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"finance\" aria-label=\"Exposure, loss and capital, Validation, Connections\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Exposure, loss and capital, Validation, Connections\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-audience\" aria-selected=\"true\" data-key=\"p1\">Exposure, loss and capital<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-checks\" aria-selected=\"false\" data-key=\"p2\">Validation<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-connections\" aria-selected=\"false\" data-key=\"p3\">Connections<\/button><\/div><section id=\"nx-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Exposure, loss and capital<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">What market infrastructure technology means for exposure, loss and capital.<\/h2><p class=\"nx-lede\">The exposure, loss, scenario and capital views a risk officer, supervisor or ministry of finance would ask for, with the frameworks they report against. Structures follow supervisory and actuarial practice. Values are illustrative: never prices, ratings or advice.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-au\" data-au-voice=\"finance\" data-au-n=\"1\"><figure class=\"nx-au-c\" data-au-fig=\"capital-fiscal\"><h3 class=\"nx-h4\">Capital, solvency and fiscal indicators<\/h3><p class=\"nx-p nx-au-what\">The indicators a risk officer, supervisor or ministry of finance reads first on market infrastructure technology.<\/p><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Who reads it<\/th><th scope=\"col\">Framework<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">CET1 ratio<\/td><td data-label=\"Unit\">% of risk-weighted assets<\/td><td data-label=\"Who reads it\">Banks, supervisors<\/td><td data-label=\"Framework\">Basel framework<\/td><\/tr><tr><td data-label=\"Indicator\">Liquidity coverage ratio<\/td><td data-label=\"Unit\">% of stressed outflows<\/td><td data-label=\"Who reads it\">Banks, central banks<\/td><td data-label=\"Framework\">Basel framework<\/td><\/tr><tr><td data-label=\"Indicator\">Solvency ratio<\/td><td data-label=\"Unit\">% of solvency capital requirement<\/td><td data-label=\"Who reads it\">Insurers, supervisors<\/td><td data-label=\"Framework\">IAIS Insurance Core Principles<\/td><\/tr><tr><td data-label=\"Indicator\">Combined ratio<\/td><td data-label=\"Unit\">% of earned premium<\/td><td data-label=\"Who reads it\">Insurers<\/td><td data-label=\"Framework\">Actuarial practice<\/td><\/tr><tr><td data-label=\"Indicator\">Protection gap<\/td><td data-label=\"Unit\">uninsured share of economic loss<\/td><td data-label=\"Who reads it\">Insurers, ministries of finance<\/td><td data-label=\"Framework\">Published loss statistics<\/td><\/tr><tr><td data-label=\"Indicator\">Public debt<\/td><td data-label=\"Unit\">% of GDP<\/td><td data-label=\"Who reads it\">Ministries of finance, IMF<\/td><td data-label=\"Framework\">Debt Sustainability Framework<\/td><\/tr><tr><td data-label=\"Indicator\">Gross financing needs<\/td><td data-label=\"Unit\">% of GDP per year<\/td><td data-label=\"Who reads it\">Ministries of finance, investors<\/td><td data-label=\"Framework\">Debt Sustainability Framework<\/td><\/tr><\/tbody><\/table><\/div><figcaption class=\"nx-caption\"><span>Source: the frameworks named in each row. Indicator names, units and frameworks only; values belong to each institution&#8217;s own reporting and are never shown here.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">NGFS climate scenarios \u00b7 Network for Greening the Financial System<\/span><span class=\"nx-chip\">IFRS S2 Climate-related Disclosures \u00b7 ISSB<\/span><span class=\"nx-chip\">TCFD recommendations \u00b7 Financial Stability Board TCFD<\/span><span class=\"nx-chip\">Principles for the effective management of climate-related financial risks \u00b7 Basel Committee on Banking Supervision<\/span><\/div><\/div><\/div><\/section><section id=\"nx-sec-checks\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Validation<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">How results are checked.<\/h2><p class=\"nx-lede\"><a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">Systems<\/a> are tested through failover exercises, liquidity simulations and supervisory oversight. Reconciliation checks the integrity of settled positions.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Check<\/th><th scope=\"col\">How it is done<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Check\">Reconciliation<\/td><td data-label=\"How it is done\">Simulated flows are reconciled with reported settlement totals before any scenario is run<\/td><\/tr><tr><td data-label=\"Check\">Scenario review against the PFMI<\/td><td data-label=\"How it is done\">Scenarios are checked against the extreme but plausible conditions the PFMI require<\/td><\/tr><tr><td data-label=\"Check\">Behavioural sensitivity<\/td><td data-label=\"How it is done\">Results are tested for changes in participant behaviour such as delayed payments or hoarding of liquidity<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-note nx-mt-3\">Interdependence among participants and third-party providers can produce unexpected failures. Simulations may not capture behavioural responses under stress.<\/p><\/div><\/div><\/section><section id=\"nx-sec-connections\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connections<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Topics that rely on this method.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\" data-nav=\"true\"><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/capital-markets-nexus\/topics\/market-liquidity\/\"><span>Market liquidity<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/capital-markets-nexus\/topics\/clearing-and-settlement\/\"><span>Clearing and settlement<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/capital-markets-nexus\/topics\/market-data-quality\/\"><span>Market data quality<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/capital-markets-nexus\/topics\/geopolitical-shocks\/\"><span>Geopolitical shocks<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/capital-markets-nexus\/topics\/digital-markets\/\"><span>Digital markets<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-3\" data-hue=\"finance\" aria-label=\"Stewardship, Connected, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Stewardship, Connected, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-stewardship\" aria-selected=\"true\" data-key=\"p1\">Stewardship<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-2\" aria-controls=\"nx-s-9-sec\" aria-selected=\"false\" data-key=\"p2\">Connected<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-3\" aria-controls=\"nx-s-10-sec\" aria-selected=\"false\" data-key=\"p3\">Questions<\/button><\/div><section id=\"nx-sec-stewardship\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Stewardship<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Who maintains the method.<\/h2><p class=\"nx-lede\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/\">Payments and Market Infrastructure<\/a> stewards payment and financial market technology for the Consortium and reviews how it is applied across platforms.<\/p><\/div><div class=\"nx-section-body\"><p class=\"nx-p\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/technology\/payments-technology\/\">Canonical page: Payment and financial market technology<\/a><\/p><\/div><\/div><\/section><section id=\"nx-s-9-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connected<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where this page leads across the Consortium.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/stem\/payments-technology\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Steward platform<\/span><span class=\"nx-dest-host\">GRA<\/span><\/span><span class=\"nx-dest-title\">Payment and financial market technology at Payments and Market Infrastructure<\/span><span class=\"nx-dest-why\">Payments and Market Infrastructure stewards this method.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-10-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-10\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What are the limits of payment and financial market technology in this field?<\/summary><div class=\"nx-answer\">Interdependence among participants and third-party providers can produce unexpected failures. Simulations may not capture behavioural responses under stress.<\/div><\/details><details><summary>How are results checked?<\/summary><div class=\"nx-answer\">Systems are tested through failover exercises, liquidity simulations and supervisory oversight. Reconciliation checks the integrity of settled positions.<\/div><\/details><details><summary>Are the values on this page real?<\/summary><div class=\"nx-answer\">The data names, roles and checks are real descriptions of practice. The canvas shows a design of the method&#8217;s use, not a run; no result is reported here.<\/div><\/details><details><summary>Where else is this method applied?<\/summary><div class=\"nx-answer\">The <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/technology\/payments-technology\/\">canonical method page<\/a> lists every platform that applies it.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a> is the Consortium&#8217;s quarterly publication. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work.<\/p><div class=\"nx-chips\"><span class=\"nx-chip\">Global Risks Alliance<\/span><span class=\"nx-chip\">Capital Markets Nexus<\/span><span class=\"nx-chip\">Global Sector Risk and Resilience<\/span><span class=\"nx-chip\">Scenario and Stress-Test<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/capital-markets-nexus\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRA<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. It arrives tagged with this page, so the editor who owns it receives it.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/open-science\/#nx-sec-zenodo\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Zenodo<\/span><span class=\"nx-dest-host\">Open deposit<\/span><\/span><span class=\"nx-dest-title\">Deposit it and submit to the community<\/span><span class=\"nx-dest-why\">Publish your own record on Zenodo with your ORCID iD, then submit it to the Reports community there. Curators review it; the DOI stays yours.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">Global Risks Alliance<\/span><\/span><span class=\"nx-dest-title\">See every way to contribute<\/span><span class=\"nx-dest-why\">The contribution types, how each is reviewed, what credit you receive, the licence and what is never accepted.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><div class=\"nx-live-slot\" data-nxf-slot=\"contribute\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/capital-markets-nexus\/stem\/payments-technology#contribute\" data-nxf-title=\"Contribute evidence\" data-nxf-height=\"480\" hidden><\/div><p class=\"nx-note nx-mt-3\">Never send personal data, sensitive infrastructure detail or anything you have no right to share. 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