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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n21v8jj3.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 Fintech 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\">Fintech Nexus<\/h1><p class=\"nx-scene-lede\">Financial technology, digital platforms, innovation-related vulnerabilities and professional learning. Fintech Nexus is an established platform of The Global Risks Alliance.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/about\/\">Open Industry scope and publisher <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\/about\/\">About GRA<\/a><\/div><\/div><dl class=\"nx-scene-stats nx-es-stats\"><div><dt class=\"nx-eyebrow\">STEM methods<\/dt><dd>5<\/dd><dd class=\"nx-scene-stat-note\">Canonical methods this field applies<\/dd><\/div><div><dt class=\"nx-eyebrow\">Topics<\/dt><dd>9<\/dd><dd class=\"nx-scene-stat-note\">Subject pages in the field<\/dd><\/div><div><dt class=\"nx-eyebrow\">Counterparts<\/dt><dd>4<\/dd><dd class=\"nx-scene-stat-note\">Platforms in shared fields across the network<\/dd><\/div><div><dt class=\"nx-eyebrow\">Report series<\/dt><dd>2<\/dd><dd class=\"nx-scene-stat-note\">Reports series it contributes to<\/dd><\/div><\/dl><\/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\">Workspace<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">The workspace for Fintech Nexus.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"console\"><div><div class=\"nx-window\"><div class=\"nx-window-bar\" aria-hidden=\"true\"><span class=\"nx-window-dots\"><span><\/span><span><\/span><span><\/span><\/span><span><strong>GRA<\/strong> \u00b7 Fintech Nexus \u00b7 Fintech risk and operations<\/span><span class=\"nx-window-note\">Illustrative<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-fintech-ops\" data-cx=\"fintech.ops\" data-variant=\"hero\" aria-label=\"Fintech risk and operations: illustrative console with example names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Fintech risk and operations<\/h3><p class=\"nx-fk-sub\">Fintech F1 \u00b7 Week 10 \u00b7 Example interface, not a record<\/p><\/div><\/div><ul class=\"nx-fk-kpis\" data-n=\"4\"><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Active users<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k0\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">134,681<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">5<\/span><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Active<\/span><\/div><div data-fk-view=\"spark:k0\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,18.1L10.2,12.9L18.4,18.8L26.5,23L34.7,21.5L42.9,14.2L51.1,13.7L59.3,13.8L67.5,6.3L75.6,4.6L83.8,12L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,18.1L10.2,12.9L18.4,18.8L26.5,23L34.7,21.5L42.9,14.2L51.1,13.7L59.3,13.8L67.5,6.3L75.6,4.6L83.8,12L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">API uptime, %<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k1\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">99.46<\/span><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Normal<\/span><\/div><div data-fk-view=\"spark:k1\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,15.2L10.2,20.6L18.4,18.6L26.5,16.3L34.7,11.8L42.9,8.7L51.1,7.1L59.3,13L67.5,12.7L75.6,18L83.8,23L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,15.2L10.2,20.6L18.4,18.6L26.5,16.3L34.7,11.8L42.9,8.7L51.1,7.1L59.3,13L67.5,12.7L75.6,18L83.8,23L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Fraud per 10,000 transactions<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k2\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">5<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">1<\/span><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Alert<\/span><\/div><div data-fk-view=\"spark:k2\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,11.7L10.2,14.3L18.4,18.9L26.5,23L34.7,19.1L42.9,17.2L51.1,18.2L59.3,16L67.5,15.2L75.6,19.6L83.8,20L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,11.7L10.2,14.3L18.4,18.9L26.5,23L34.7,19.1L42.9,17.2L51.1,18.2L59.3,16L67.5,15.2L75.6,19.6L83.8,20L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Complaints open<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k3\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">81<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k3\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,9.4L10.2,7.6L18.4,9.8L26.5,13.9L34.7,17.9L42.9,20.6L51.1,23L59.3,20L67.5,21L75.6,19L83.8,18.6L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,9.4L10.2,7.6L18.4,9.8L26.5,13.9L34.7,17.9L42.9,20.6L51.1,23L59.3,20L67.5,21L75.6,19L83.8,18.6L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><\/ul><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Fraud spike on one channel<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Fintech Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Fraud rate by channel<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 210\" width=\"460\" height=\"210\" role=\"img\" aria-label=\"Fraud rate by channel\" focusable=\"false\" tabindex=\"0\" preserveAspectRatio=\"xMidYMid meet\" data-fk-chart=\"cx-fintech-ops-c1\" data-fk-xs=\"lin,0,23,36,446\" data-fk-ys=\"lin,0,100,180,20\" data-fk-series=\"Card not present|ink|l||0:44.3;1:46.8;2:49.1;3:48.1;4:47.4;5:43.4;6:44.2;7:43.4;8:46.2;9:49.2;10:46;11:48.9;12:52.5;13:54.4;14:50.3;15:54;16:59.1;17:54.7;18:55.8;19:54;20:54.2;21:58;22:56.5;23:55.4~Wallet transfer|acc|l||0:51.9;1:52.3;2:50.7;3:47.8;4:48.4;5:48.1;6:51.7;7:50.8;8:53.5;9:53.6;10:57.2;11:55.5;12:53.4;13:53.2;14:57;15:60.1;16:64.9;17:69.8;18:74.7;19:77.8;20:81.8;21:79.6;22:82.4;23:86.1\" data-nx-z=\"lZbfjqMgFIdfxXBNz3DggJDUJpvsJfsQjpJqxnEm6u523n6DWNvObP\/MVRHh98EnnrodQjVldTmVm9eCPZd9zdLVS7raTM2w9FQF68OeZYeCKcOyj4JJwbK\/bT01BSMULGtCu2+mgpFlT7vtFA6XyV35HLqz+C6FHwpGNOcpxXY\/ujBMWRf+hG77FCN22\/2aUh7CyHbbru3D2rcf2pplB0yrOshldZiW9yELhlZ8Wc\/UVi\/nW0FHLIsjNmVfNW9DwV7buu4C2\/3E4zquYJFU4s6Nh8Fp9E1yfocsyYFL7KX5MP04\/vbO6c4ClFrwc+Nx5+ouWt6zTrQ87bnxMDqNvo22\/0WXh3a8PGcrORLP0U\/77x\/aq2FXFIq0DatAf9pI6Gu2E\/ee3BcsHbH0AJauYKX+NlccueIBrrjC1d\/er1mw5j7VXIHm397s8YjK+1B5BYpi3erF\/KW4nlU08Wn6OJXDxHbvYchQcCFENg1lP5bV1L71I8\/qsu0+jtnxCL+XU3PKb\/twqt3dpjz9K7T9C8vqgv1ShqNwgF4rsByFBvQ5Qs5RIJC3DjRHoTyKHBRHQSA9Sg3IEQUYj6TmAOXRiJiQenMLMdgAenQGaI5TXiLNKQbISyVjikCwfi5t3BkvTQ45d8pLq8Fw50B7JRQQdwqMVxJBcquBvFKOOxlvaxPnCsi9ymmeHUfGe7GpPKEAxW0O0pO0cb4D44kMdwgUn+pNa88na2VVLRd1OTYFm4bfYdXo8uTQGVBJobPgVoOgV4cyGkoOo1lS3OWrQGchX\/w5Alr0ueg92bMW9CLPYexN7ghWewRu8Wct2MWfVbE5+8sNyNmfsaAWf0ZElbM\/rWNz9kfxZCR\/Oq46+SMbVZLhJEFGf6fCWQ1v48iypq3r0Bcs\/R4raXy\/RHq9xH\/rfzzBFx83TTs98vGCc0X4Bw==\"><\/svg><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Credit model fairness<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-fintech-ops-t2\"><table class=\"nx-fk-table\" data-fk-table=\"cx-fintech-ops-t2\" aria-label=\"Credit model fairness\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Group<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Approval (%)<\/button><\/th><th scope=\"col\" data-col=\"c2\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Default (%)<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Gap<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-fintech-ops:r2-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Women<\/td><td data-num=\"true\" data-sv=\"59\">59<\/td><td data-num=\"true\" data-sv=\"5\">5<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Review<\/span><\/td><\/tr><tr data-fk-key=\"cx-fintech-ops:r2-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Rural<\/td><td data-num=\"true\" data-sv=\"39\">39<\/td><td data-num=\"true\" data-sv=\"8\">8<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Review<\/span><\/td><\/tr><tr data-fk-key=\"cx-fintech-ops:r2-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Under 25<\/td><td data-num=\"true\" data-sv=\"39\">39<\/td><td data-num=\"true\" data-sv=\"7\">7<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Review<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Fintech risk and operations.<\/span><span data-honesty=\"true\">Illustrative interface; not live data.<\/span><\/figcaption><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Fintech Nexus \u00b7 Fintech risk and operations.<\/strong> <span>Fintech risk and operations: example names and illustrative values, not a record.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"infrastructure\" aria-label=\"Frameworks, Stress test, Topics, Exposure, loss and capital\"><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=\"Frameworks, Stress test, Topics, Exposure, loss and capital\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-frameworks\" aria-selected=\"true\" data-key=\"p1\">Frameworks<\/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-s-4-sec\" aria-selected=\"false\" data-key=\"p3\">Topics<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-4\" aria-controls=\"nx-sec-audience\" aria-selected=\"false\" data-key=\"p4\">Exposure, loss and capital<\/button><\/div><section id=\"nx-sec-frameworks\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-variant=\"band\" 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\">Frameworks<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">What the work is read against.<\/h2><p class=\"nx-lede\">The platform does not set standards. It reads its evidence against the frameworks that competent bodies have adopted, so a finding can be placed where a decision-maker already works.<\/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\">Framework or standard<\/th><th scope=\"col\">Body<\/th><th scope=\"col\">What it sets<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Framework or standard\">CPMI-IOSCO Principles for financial market infrastructures (PFMI)<\/td><td data-label=\"Body\">CPMI and IOSCO<\/td><td data-label=\"What it sets\">Risk management, governance, settlement, <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 operational-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The risk of loss from inadequate or failed processes, people and systems, or from external events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">operational risk<\/a> and access standards for 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>, securities settlement systems, central counterparties and trade repositories<\/td><\/tr><tr><td data-label=\"Framework or standard\">Digital Operational Resilience Act (DORA)<\/td><td data-label=\"Body\">European Union<\/td><td data-label=\"What it sets\">ICT risk management, major incident reporting, resilience testing and oversight of critical ICT third-party providers for EU financial entities<\/td><\/tr><tr><td data-label=\"Framework or standard\">Principles for operational resilience<\/td><td data-label=\"Body\">Basel Committee on Banking Supervision<\/td><td data-label=\"What it sets\">Expectations for banks to identify critical operations, set tolerance for disruption, map dependencies and manage third-party and ICT risk<\/td><\/tr><tr><td data-label=\"Framework or standard\">FATF Recommendations, including Recommendations 15 and 16<\/td><td data-label=\"Body\">Financial Action Task Force<\/td><td data-label=\"What it sets\">Standards for anti-money laundering and counter-terrorist financing, risk-based due diligence, virtual asset rules and the travel rule for transfers<\/td><\/tr><tr><td data-label=\"Framework or standard\">Revised Payment Services Directive (PSD2) and open banking standards<\/td><td data-label=\"Body\">European Union and EBA; UK Open Banking Standard; Berlin Group<\/td><td data-label=\"What it sets\">Licensing of payment and account information services, strong customer authentication and secure interfaces for third-party access<\/td><\/tr><tr><td data-label=\"Framework or standard\">ISO 20022 financial services messaging<\/td><td data-label=\"Body\">International Organization for Standardization, TC 68<\/td><td data-label=\"What it sets\">Common methodology and message definitions for payments, securities and other financial messaging<\/td><\/tr><tr><td data-label=\"Framework or standard\">NIST Cybersecurity Framework<\/td><td data-label=\"Body\">National Institute of Standards and Technology<\/td><td data-label=\"What it sets\">Outcomes to govern, identify, protect, detect, respond to and recover from cyber risk<\/td><\/tr><tr><td data-label=\"Framework or standard\">Markets in Crypto-Assets Regulation (MiCA)<\/td><td data-label=\"Body\">European Union<\/td><td data-label=\"What it sets\">Authorisation, disclosure, reserve and conduct rules for crypto-asset issuers and service providers, including stablecoin issuers<\/td><\/tr><tr><td data-label=\"Framework or standard\">G20 High-Level Principles for Digital Financial Inclusion<\/td><td data-label=\"Body\">G20 Global Partnership for Financial Inclusion (GPFI)<\/td><td data-label=\"What it sets\">Principles for digital approaches to inclusion, balancing innovation and risk, consumer protection, literacy and measurement<\/td><\/tr><tr><td data-label=\"Framework or standard\">High-level recommendations for crypto-asset activities and global stablecoin arrangements<\/td><td data-label=\"Body\">Financial Stability Board<\/td><td data-label=\"What it sets\">Regulation, supervision and oversight of crypto-asset activities and stablecoins on a same activity, same risk, same regulation basis<\/td><\/tr><\/tbody><\/table><\/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-fintech-nexus-0\" data-nxi=\"debtrank\" data-nxi-id=\"debtrank\" data-nxi-z=\"jZRRb9owEMe\/inXSJCp5FQGCury166pN2lNX7QXxYOKjWDh2Zl8oqOK7T3acECpa9SmJDfe7\/93\/7hVIkUYo4Kd9YYL5jS23jCwT3iN5tsLSVujDzcETVkxb74HDxhr0dIACnlCUG2WeWWUlavaiaMM8CULJlNaNJydI7ZDthG7Qc2YsMcFqh1KVpKy5Bg61cKLyUCxeQUkoIGYBHLRYoYYCHoTWTBmGe0JnhE7ZAYfGKIICvgCHShkoxtcZh0rsochyDp6wTmcRD8WEg7ZQZBw2CoopBwlFduSJq3E3oP7GHTrxjGyUimF36Bj+axQdrk5sUhX6jj9N9Nm4o5\/Y2biF37TwbBbp456uVgP4L0PoVsJsmd8Ih8yu3xedfQI6T9D8DdRhOaA+YhlEHpg1TPUZlFqo6mK1E\/hbD8578CyBJ+OWPB+\/IYfQfsC+C9+hy7TB5LYTsiPefCB18pZQWocDwHfrkHXUTkoobHcWCXki5Bc09YQlh7Xao4TiFTyG580sn46PHGxDdUMDLyujSAk9yONHdFCYJAqTFuSmH7HO+INCnxl0rcy7ocSa0LHSGhLPypoPokg3CHErJUq2Opz+yUb3uKJHYbYDl9dWmWi+80i4Fo2mi21Md2c97IpXboSjULx9MJ1tjAx9GOYeVsufduXgQOToS8ip21kD+XAMdrO1D1GNlRhaALdhZOLOiiMackvhgMO98uQwrrO\/ob8hhQumf1AOmRc6RmgD1k6VKWC59RSoSw5aBRsVi8WYZ\/xrtuSLjE\/alwmfti9TnvH2YBafM563F3l\/MY\/Pefxe9qI6Oz1mg1p3CpjEdr2mrMP4BlvJdB8aHDSN4o7WKK\/C1u2qFLKcLvuePk6Gm7cXzyTWkdWKZ8LIrjMjib50aoWyXe+lreqGLlBmPD9x7rIz16RCxrgOS1ErElp5QdGRnyXMl8flkYNBekoeeVBGmDIM10WDH\/8D\" 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-fintech-nexus-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\/fintech-nexus\/foundry\/\">Fintech 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\/fintech-nexus\/universe\/\">Fintech 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\/fintech-nexus\/reports\/\">Fintech 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-s-4-sec\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" 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\">Topics<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">The questions this field works on.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/payments-and-innovation\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Payments and innovation<\/h3><p class=\"nx-p nx-mt-1\">New payment services and resilience.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/open-finance\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Open finance<\/h3><p class=\"nx-p nx-mt-1\">Data portability, privacy and access.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/digital-assets-and-tokenization\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Digital assets and tokenisation<\/h3><p class=\"nx-p nx-mt-1\">Digital market infrastructure and risks.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/ai-and-automation\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">AI and automation<\/h3><p class=\"nx-p nx-mt-1\">Financial model and decision risk.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/financial-identity\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial identity<\/h3><p class=\"nx-p nx-mt-1\">Onboarding, fraud and exclusion.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/fintech-operational-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Fintech operational risk<\/h3><p class=\"nx-p nx-mt-1\">Cloud, cybersecurity and vendors.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/regtech-and-supervision\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Regtech and supervision<\/h3><p class=\"nx-p nx-mt-1\">Compliance technology as research.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/financial-inclusion\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial inclusion<\/h3><p class=\"nx-p nx-mt-1\">Access, SMEs and equitable design.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/digital-assets-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Digital assets risk<\/h3><p class=\"nx-p nx-mt-1\">Digital asset and tokenisation research without exchange or custody.<\/p><\/a><\/div><\/div><\/div><\/section><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-1-tab-4\"><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 Fintech Nexus 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=\"2\"><figure class=\"nx-au-c\" data-au-fig=\"transmission\"><h3 class=\"nx-h4\">Transmission channels<\/h3><p class=\"nx-p nx-au-what\">How a shock in Fintech Nexus reaches credit, market, underwriting, liquidity and operational risk, and feeds back.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 268\" role=\"img\" aria-label=\"Transmission channels from shocks through micro and macro channels to financial risks\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><figcaption class=\"nx-caption\"><span>Channel structure after the Basel Committee&#8217;s work on climate-related risk drivers and transmission channels; links shown are typical paths, not estimated exposures.<\/span><\/figcaption><\/figure><figure class=\"nx-au-c\" data-au-fig=\"scenario-pathways\"><h3 class=\"nx-h4\">Scenario pathways<\/h3><p class=\"nx-p nx-au-what\">How Fintech Nexus could be stressed under the scenario families central banks and supervisors use.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 214\" role=\"img\" aria-label=\"Combined transition and physical pressure under three scenario families\" focusable=\"false\"><line class=\"nx-au-ax\" x1=\"46\" y1=\"190\" x2=\"450\" y2=\"190\"\/><line class=\"nx-au-ax\" x1=\"46\" y1=\"16\" x2=\"46\" y2=\"190\"\/><path class=\"nx-au-ln\" d=\"M46 155.2l80.8-38.3 80.8-13.9 80.8 7 80.8 10.4 80.8 8.7\"\/><text class=\"nx-au-t\" x=\"458\" y=\"133.1\" text-anchor=\"start\">Orderly<\/text><path class=\"nx-au-ac\" d=\"M46 155.2l80.8-3.5 80.8-13.9 80.8-73.1 80.8 10.5 80.8 19.1\"\/><text class=\"nx-au-t\" x=\"458\" y=\"98.3\" text-anchor=\"start\">Disorderly<\/text><path class=\"nx-au-ln nx-au-dash\" d=\"M46 155.2l80.8-7 80.8-10.4 80.8-13.9 80.8-20.9 80.8-27.8\"\/><text class=\"nx-au-t\" x=\"458\" y=\"79.16\" text-anchor=\"start\">Hot house world<\/text><text class=\"nx-au-t\" x=\"46\" y=\"206\" text-anchor=\"middle\">2025<\/text><text class=\"nx-au-t\" x=\"126.8\" y=\"206\" text-anchor=\"middle\">2030<\/text><text class=\"nx-au-t\" x=\"207.6\" y=\"206\" text-anchor=\"middle\">2035<\/text><text class=\"nx-au-t\" x=\"288.4\" y=\"206\" text-anchor=\"middle\">2040<\/text><text class=\"nx-au-t\" x=\"369.2\" y=\"206\" text-anchor=\"middle\">2045<\/text><text class=\"nx-au-t\" x=\"450\" y=\"206\" text-anchor=\"middle\">2050<\/text><text class=\"nx-au-t\" x=\"40\" y=\"33.4\" text-anchor=\"end\">high<\/text><text class=\"nx-au-t\" x=\"40\" y=\"172.6\" text-anchor=\"end\">low<\/text><\/svg><\/div><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Scenario family<\/th><th scope=\"col\">Transition risk<\/th><th scope=\"col\">Physical risk<\/th><th scope=\"col\">What a stress test asks<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Scenario family\">Orderly<\/td><td data-label=\"Transition risk\">Early, gradual policy<\/td><td data-label=\"Physical risk\">Lower<\/td><td data-label=\"What a stress test asks\">Can the book absorb a steady repricing?<\/td><\/tr><tr><td data-label=\"Scenario family\">Disorderly<\/td><td data-label=\"Transition risk\">Late, abrupt policy<\/td><td data-label=\"Physical risk\">Lower to medium<\/td><td data-label=\"What a stress test asks\">What breaks under a sudden repricing and credit migration?<\/td><\/tr><tr><td data-label=\"Scenario family\">Hot house world<\/td><td data-label=\"Transition risk\">Limited policy<\/td><td data-label=\"Physical risk\">High and rising<\/td><td data-label=\"What a stress test asks\">Where do physical losses concentrate in collateral and insurance?<\/td><\/tr><\/tbody><\/table><\/div><figcaption class=\"nx-caption\"><span>Scenario families as defined by the NGFS; the curves are an illustrative combined pressure index, not NGFS variables or forecasts.<\/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><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"infrastructure\" aria-label=\"Coverage, Overview, The problem, What the platform does\"><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=\"Coverage, Overview, The problem, What the platform does\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-areas\" aria-selected=\"true\" data-key=\"p1\">Coverage<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-overview\" aria-selected=\"false\" data-key=\"p2\">Overview<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-the-problem\" aria-selected=\"false\" data-key=\"p3\">The problem<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-4\" aria-controls=\"nx-sec-what-the-platform-does\" aria-selected=\"false\" data-key=\"p4\">What the platform does<\/button><\/div><section id=\"nx-sec-areas\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-6\" 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\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Coverage<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">The areas of capital markets and investment this platform takes on.<\/h2><p class=\"nx-lede\">Fintech Nexus is the Global Risks Alliance&#8217;s platform for financial technology as a source of both risk and resilience: payments, open finance, tokenised infrastructure, digital assets, AI, identity, regtech and inclusion. Its pages set out how technology, operational, cyber and conduct risk develop and propagate through finance, the data that measure them, the standards they are read against and the institutions that decide. Its view is shared industry understanding, never investment advice.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"columns\"><div class=\"nx-cells\" data-cols=\"4\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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\"><rect width=\"20\" height=\"12\" x=\"2\" y=\"6\" rx=\"2\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><path d=\"M6 12h.01M18 12h.01\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Payments and market infrastructure<\/h3><p class=\"nx-p nx-mt-1\">Instant, card, cross-border and wholesale 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>, and their settlement, liquidity and continuity under stress.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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\"><rect x=\"16\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"2\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"9\" y=\"2\" width=\"6\" height=\"6\" rx=\"1\"\/><path d=\"M5 16v-3a1 1 0 0 1 1-1h12a1 1 0 0 1 1 1v3\"\/><path d=\"M12 12V8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Open finance and data<\/h3><p class=\"nx-p nx-mt-1\">Data portability, interfaces, consent and liability when customers share financial data with other providers.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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\"><rect width=\"7\" height=\"7\" x=\"14\" y=\"3\" rx=\"1\"\/><path d=\"M10 21V8a1 1 0 0 0-1-1H4a1 1 0 0 0-1 1v12a1 1 0 0 0 1 1h12a1 1 0 0 0 1-1v-5a1 1 0 0 0-1-1H3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Tokenisation and digital assets<\/h3><p class=\"nx-p nx-mt-1\">Tokenised money and securities, stablecoins and crypto-asset markets, and their links to regulated finance.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M12 5a3 3 0 1 0-5.997.125 4 4 0 0 0-2.526 5.77 4 4 0 0 0 .556 6.588A4 4 0 1 0 12 18Z\"\/><path d=\"M9 13a4.5 4.5 0 0 0 3-4\"\/><path d=\"M6.003 5.125A3 3 0 0 0 6.401 6.5\"\/><path d=\"M3.477 10.896a4 4 0 0 1 .585-.396\"\/><path d=\"M6 18a4 4 0 0 1-1.967-.516\"\/><path d=\"M12 13h4\"\/><path d=\"M12 18h6a2 2 0 0 1 2 2v1\"\/><path d=\"M12 8h8\"\/><path d=\"M16 8V5a2 2 0 0 1 2-2\"\/><circle cx=\"16\" cy=\"13\" r=\".5\"\/><circle cx=\"18\" cy=\"3\" r=\".5\"\/><circle cx=\"20\" cy=\"21\" r=\".5\"\/><circle cx=\"20\" cy=\"8\" r=\".5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">AI and automation<\/h3><p class=\"nx-p nx-mt-1\">Machine learning and generative models in credit, fraud, trading and operations, and the governance of <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 model-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk of harm from decisions based on models that are wrong, misused or applied outside their validity domain.\" data-ts=\"NRS-C1\" data-tr=\"draft\">model risk<\/a>.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M17 18a2 2 0 0 0-2-2H9a2 2 0 0 0-2 2\"\/><rect width=\"18\" height=\"18\" x=\"3\" y=\"4\" rx=\"2\"\/><circle cx=\"12\" cy=\"10\" r=\"2\"\/><line x1=\"8\" x2=\"8\" y1=\"2\" y2=\"4\"\/><line x1=\"16\" x2=\"16\" y1=\"2\" y2=\"4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Identity and onboarding<\/h3><p class=\"nx-p nx-mt-1\">Customer identification, authentication, fraud at onboarding and the exclusion that rigid checks can cause.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Operational and cyber resilience<\/h3><p class=\"nx-p nx-mt-1\">Cloud, third-party, cyber and change risk, and the ability to keep important services within tolerance.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"m14.5 12.5-8 8a2.119 2.119 0 1 1-3-3l8-8\"\/><path d=\"m16 16 6-6\"\/><path d=\"m8 8 6-6\"\/><path d=\"m9 7 8 8\"\/><path d=\"m21 11-8-8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Regtech and supervision<\/h3><p class=\"nx-p nx-mt-1\">Compliance and supervisory technology, regulatory reporting, sandboxes and the evidence of their effectiveness.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Financial inclusion<\/h3><p class=\"nx-p nx-mt-1\">Access and use for individuals and small firms, agent networks, digital credit and equitable design.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-overview\" 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-2\"><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\">Overview<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What Fintech Nexus does.<\/h2><p class=\"nx-lede\">Fintech risk is the risk that financial technology, from instant payments and open finance to tokenised ledgers, AI and digital identity, introduces new failure modes or concentrates old ones. Fintech Nexus, the Global Risks Alliance&#8217;s platform for the field, treats technology as a source of both risk and resilience; it assesses, certifies or endorses no provider.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Who it serves<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its community<\/h3><p class=\"nx-p nx-mt-1\">Fintech researchers; payments innovators; risk technologists; regtech specialists.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M6 18h8\"\/><path d=\"M3 22h18\"\/><path d=\"M14 22a7 7 0 1 0 0-14h-1\"\/><path d=\"M9 14h2\"\/><path d=\"M9 12a2 2 0 0 1-2-2V6h6v4a2 2 0 0 1-2 2Z\"\/><path d=\"M12 6V3a1 1 0 0 0-1-1H9a1 1 0 0 0-1 1v3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">How it works<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its methods<\/h3><p class=\"nx-p nx-mt-1\">Digital operating risk; product governance; model evaluation.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z\"\/><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M10 9H8\"\/><path d=\"M16 13H8\"\/><path d=\"M16 17H8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">What it produces<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its outputs<\/h3><p class=\"nx-p nx-mt-1\">Fintech resilience guides; digital-risk research.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-the-problem\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-variant=\"band\" aria-labelledby=\"nx-s-8\" 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\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The problem<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Why digital finance creates new paths for failure.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Finance has always run on technology, but the past two decades changed its structure. Payments clear in seconds through mobile wallets and instant 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>; lending decisions are made by models trained on alternative data; banks and fintechs share customer data through application programming interfaces; core systems run on a small number of cloud providers; and distributed ledgers support new forms of digital assets. Each change brings real benefits, from lower costs to wider access, and each creates new dependencies.<\/p><p class=\"nx-p\">Those dependencies change how failures spread. An outage at a widely used cloud or payment processor can stop services at many institutions at once. A flaw in a widely used model or software library can be replicated across firms. Faster settlement removes the time buffers that once allowed errors and fraud to be caught. Digital runs, where depositors move funds at the speed of an app, can drain liquidity faster than traditional supervision anticipated. Fraud migrates to the weakest point in a chain of interconnected services.<\/p><p class=\"nx-p\">Innovation also raises questions of fairness and inclusion. Digital identity requirements can exclude people without documents; automated credit decisions can encode bias; and the benefits of open data depend on privacy and consent being real. Understanding these risks requires engineers, risk managers, economists and compliance specialists to work from a shared picture.<\/p><\/div><\/div><\/section><section id=\"nx-sec-what-the-platform-does\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-4\"><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\">What the platform does<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Shared understanding, without advice or solicitation.<\/h2><p class=\"nx-lede\">Fintech Nexus builds shared industry understanding of digital operating risk, product governance and model evaluation. It publishes research that institutions, supervisors and researchers can use to understand risks in common, not advice on what any of them should do.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M8 3H2v15h7c1.7 0 3 1.3 3 3V7c0-2.2-1.8-4-4-4Z\"\/><path d=\"m16 12 2 2 4-4\"\/><path d=\"M22 6V3h-6c-2.2 0-4 1.8-4 4v14c0-1.7 1.3-3 3-3h7v-2.3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Guides<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Fintech resilience guides<\/h3><p class=\"nx-p nx-mt-1\">Research-based guides to operational, cyber and third-party risk in digital finance, describing practice without endorsing products.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M10 2v7.527a2 2 0 0 1-.211.896L4.72 20.55a1 1 0 0 0 .9 1.45h12.76a1 1 0 0 0 .9-1.45l-5.069-10.127A2 2 0 0 1 14 9.527V2\"\/><path d=\"M8.5 2h7\"\/><path d=\"M7 16h10\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Research<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Digital-risk research<\/h3><p class=\"nx-p nx-mt-1\">Studies of how technology changes risk transmission, inclusion and market structure.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><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=\"M21.42 10.922a1 1 0 0 0-.019-1.838L12.83 5.18a2 2 0 0 0-1.66 0L2.6 9.08a1 1 0 0 0 0 1.832l8.57 3.908a2 2 0 0 0 1.66 0z\"\/><path d=\"M22 10v6\"\/><path d=\"M6 12.5V16a6 3 0 0 0 12 0v-3.5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Learning<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Professional learning<\/h3><p class=\"nx-p nx-mt-1\">Material for practitioners on the risks and governance of financial technology.<\/p><\/div><\/div><p class=\"nx-note nx-mt-3\">GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval. Competition safeguards are designed and set out in a written policy.<\/p><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-3\" data-hue=\"infrastructure\" aria-label=\"Topics and chapters, Grounding, Cycle\"><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=\"Topics and chapters, Grounding, Cycle\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-topics-and-chapters\" aria-selected=\"true\" data-key=\"p1\">Topics and chapters<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-2\" aria-controls=\"nx-sec-grounding\" aria-selected=\"false\" data-key=\"p2\">Grounding<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-3\" aria-controls=\"nx-sec-cycle\" aria-selected=\"false\" data-key=\"p3\">Cycle<\/button><\/div><section id=\"nx-sec-topics-and-chapters\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-variant=\"split\" aria-labelledby=\"nx-s-10\" 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\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Topics and chapters<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Ten topics and two chapters.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Payments and innovation<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/payments-and-innovation\/\">New payment services and resilience<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Open finance<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/open-finance\/\">Data portability, privacy and access<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Digital assets<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/digital-assets-and-tokenization\/\">Digital market infrastructure and risks<\/a>, with digital assets risk research without exchange or custody.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">AI and automation<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/ai-and-automation\/\">Financial model and decision risk<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">05<\/span><div><h3 class=\"nx-h4\">Financial identity<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/financial-identity\/\">Onboarding, fraud and exclusion<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">06<\/span><div><h3 class=\"nx-h4\">Fintech operational risk<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/fintech-operational-risk\/\">Cloud, cybersecurity and vendors<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">07<\/span><div><h3 class=\"nx-h4\">Regtech and supervision<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/regtech-and-supervision\/\">Compliance technology as research<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">08<\/span><div><h3 class=\"nx-h4\">Financial inclusion<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/financial-inclusion\/\">Access, SMEs and equitable design<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">09<\/span><div><h3 class=\"nx-h4\">Chapters<\/h3><p class=\"nx-p nx-mt-1\" data-nav=\"inline\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/chapters\/financial-inclusion-and-sme-finance\/\">Financial Inclusion and SME Finance<\/a> and <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/chapters\/digital-assets-and-tokenization-risk\/\">Digital Assets and Tokenization Risk<\/a>.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-grounding\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-11\" 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\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Grounding<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Built on named science, technology, engineering and mathematics.<\/h2><p class=\"nx-lede\">Every claim on Fintech Nexus rests on methods with a canonical page in the STEM Commons, so readers can see what a finding depends on and where its limits lie.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-chips\"><span class=\"nx-chip\">Payment and financial market technology<\/span><span class=\"nx-chip\">Distributed ledgers and digital assets<\/span><span class=\"nx-chip\">Artificial intelligence and machine learning<\/span><span class=\"nx-chip\">Cybersecurity and cryptography<\/span><span class=\"nx-chip\">Digital identity and public digital systems<\/span><\/div><p class=\"nx-p nx-mt-3\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/\">See the STEM foundation of Fintech Nexus<\/a><\/p><\/div><\/div><\/section><section id=\"nx-sec-cycle\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-12\" 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\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Cycle<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How work moves in this field.<\/h2><p class=\"nx-lede\">A question becomes evidence, a governed build, an organised community, a controlled test, a reviewed publication and, finally, a decision taken by the competent authority under its own rules.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cycle-lanes\"><ol class=\"nx-pl-list\"><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Question<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/universe\">Universe<\/a><\/span> National, regional or institutional priority. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/programmes\/\">Question in Fintech Nexus<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Evidence<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> STEM foundation of the platform. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/\">Evidence in Fintech Nexus<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Build<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> Foundry. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/foundry\/\">Build in Fintech Nexus<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Organise<\/strong> <span class=\"nx-pl-in\">Universe<\/span> <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/organization\/architecture\/ii.-definitions\/i.-nexus-ecosystem\" data-tc=\"Nexus Ecosystem\" data-tk=\"Nexus Standards\" data-td=\"The whole of the institutions, pillars, systems and communities\">Nexus ecosystem<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/community\/\">Organise in Fintech Nexus<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Test<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Universe (independent site). <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/universe\/\">Test in Fintech Nexus<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Publish<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a><\/span> Reports. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/reports\/\">Publish in Fintech Nexus<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Decide<\/strong> <span class=\"nx-pl-in\">Competent authority<\/span> Competent authorities and institutions, through <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s18\" data-tc=\"NXS-RLS\" data-tk=\"Nexus system\" data-td=\"Participants, agreements and handoffs\" data-ts=\"NRS-S18\">NXS-RLS (participants, agreements and handoffs)<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/trust\/\">Decide in Fintech Nexus<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Renew<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Corrections and the next annual agenda. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/programmes\/\">Renew in Fintech Nexus<\/a><\/li><\/ol><p class=\"nx-caption\"><span>Each step of the cycle in the pillar it runs in; the decision stays with the competent authority, outside the programme.<\/span><\/p><ul class=\"nx-pl-legend\" aria-label=\"Pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/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><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/universe.nexus\/\">Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/\">Risk Academy<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span>Competent authority (outside the programme)<\/li><\/ul><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-pillars\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Six pillars<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How this works across the six pillars.<\/h2><p class=\"nx-lede\">Fintech Nexus works through six pillars of one annual programme, led by the Nexus Consortium, with the Global Centre for Risk and Innovation (GCRI), the Global Risks Forum (GRF) and GRA each contributing in its role: explore, experiment and prototype in <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/labs\" data-tc=\"Labs\" data-tk=\"Nexus Standards\" data-td=\"The research pillar of the programme, one of six (OR-11, OR-12)\">Labs<\/a>, build, simulate and prepare in Foundry, convene and test in Universe, codify, correct and apply in <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a>, publish in every format in Reports, teach in the open in Risk Academy.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-pl-ring nx-canvas-wrap\" data-pl-hex=\"true\"><figure class=\"nx-nsig nx-phex\" data-nx-phex=\"012345\" data-phex-ctx=\"whole\" data-phex=\"{&quot;S&quot;:[{&quot;id&quot;:&quot;labs&quot;,&quot;c&quot;:&quot;L&quot;,&quot;name&quot;:&quot;Labs&quot;,&quot;full&quot;:&quot;Labs&quot;,&quot;verb&quot;:&quot;Experiments&quot;,&quot;url&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;does&quot;:[&quot;Turns open questions into designed experiments&quot;,&quot;Prototypes new methods, data pipelines and tools&quot;,&quot;Records failures and limits alongside results&quot;,&quot;Hands reproducible prototypes to the Foundry&quot;]},{&quot;id&quot;:&quot;foundry&quot;,&quot;c&quot;:&quot;F&quot;,&quot;name&quot;:&quot;Foundry&quot;,&quot;full&quot;:&quot;Foundry&quot;,&quot;verb&quot;:&quot;Builds&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/fintech-nexus\/foundry\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-foundry\/&quot;,&quot;does&quot;:[&quot;Builds the cycle's software, data and environments&quot;,&quot;Simulates scenarios and runs benchmarks&quot;,&quot;Monitors hazards, systems and evidence&quot;,&quot;Develops and tracks the National Portfolio&quot;]},{&quot;id&quot;:&quot;universe&quot;,&quot;c&quot;:&quot;U&quot;,&quot;name&quot;:&quot;Universe&quot;,&quot;full&quot;:&quot;Universe&quot;,&quot;verb&quot;:&quot;Convenes and tests&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/fintech-nexus\/universe\/&quot;,&quot;home&quot;:&quot;https:\/\/universe.nexus\/&quot;,&quot;does&quot;:[&quot;Sets the annual mandate and admits missions&quot;,&quot;Runs readiness, the controlled build and Action Week&quot;,&quot;Stands down temporary capacity and seals evidence&quot;,&quot;Reviews the year and renews the mandate&quot;]},{&quot;id&quot;:&quot;standards&quot;,&quot;c&quot;:&quot;S&quot;,&quot;name&quot;:&quot;Standards&quot;,&quot;full&quot;:&quot;Nexus Standards&quot;,&quot;verb&quot;:&quot;Codify and correct&quot;,&quot;url&quot;:&quot;https:\/\/nexustandards.com\/finance\/&quot;,&quot;home&quot;:&quot;https:\/\/nexustandards.com\/&quot;,&quot;does&quot;:[&quot;Identifies every artefact with a UNI&quot;,&quot;Routes work to the standards that apply&quot;,&quot;Validates and monitors conformance evidence&quot;,&quot;Takes cycle findings as change proposals&quot;,&quot;Records national adoption&quot;]},{&quot;id&quot;:&quot;reports&quot;,&quot;c&quot;:&quot;R&quot;,&quot;name&quot;:&quot;Reports&quot;,&quot;full&quot;:&quot;Reports&quot;,&quot;verb&quot;:&quot;Publishes&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/fintech-nexus\/reports\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-reports\/&quot;,&quot;does&quot;:[&quot;Publishes four editions a year, with Q4 as the annual flagship&quot;,&quot;Maintains country and regional profiles&quot;,&quot;Publishes exponential technology streams&quot;,&quot;Records corrections and method changes&quot;]},{&quot;id&quot;:&quot;academy&quot;,&quot;c&quot;:&quot;A&quot;,&quot;name&quot;:&quot;Academy&quot;,&quot;full&quot;:&quot;Risk Academy&quot;,&quot;verb&quot;:&quot;Teaches&quot;,&quot;url&quot;:&quot;https:\/\/risksacademy.com\/finance-economics\/&quot;,&quot;home&quot;:&quot;https:\/\/risksacademy.com\/&quot;,&quot;does&quot;:[&quot;Publishes a course for every system, standard and programme role&quot;,&quot;Assesses learning on real cycle tasks&quot;,&quot;Issues microcredentials and achievements through accountable issuers&quot;,&quot;Feeds qualified people into the next cycle&quot;]}],&quot;H&quot;:[{&quot;id&quot;:&quot;F01&quot;,&quot;f&quot;:2,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Admitted mission becomes a cycle project with a decision case&quot;},{&quot;id&quot;:&quot;F02&quot;,&quot;f&quot;:1,&quot;t&quot;:2,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Core Build Report and go or no-go evidence&quot;},{&quot;id&quot;:&quot;F03&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Sealed observations and indicator series behind a profile&quot;},{&quot;id&quot;:&quot;F04&quot;,&quot;f&quot;:2,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;After-action and scenario findings for chapters 10 and 13&quot;},{&quot;id&quot;:&quot;F05&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;National Portfolio movement for chapter 11&quot;},{&quot;id&quot;:&quot;F06&quot;,&quot;f&quot;:4,&quot;t&quot;:3,&quot;ph&quot;:&quot;CORRECTION&quot;,&quot;art&quot;:&quot;Method and correction findings as change proposals&quot;},{&quot;id&quot;:&quot;F07&quot;,&quot;f&quot;:2,&quot;t&quot;:3,&quot;ph&quot;:&quot;DOCKET_REVIEW&quot;,&quot;art&quot;:&quot;Docket items that need a standard or a profile&quot;},{&quot;id&quot;:&quot;F08&quot;,&quot;f&quot;:3,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Composed mission profiles and national adoption records&quot;},{&quot;id&quot;:&quot;F09&quot;,&quot;f&quot;:3,&quot;t&quot;:5,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Each adopted standard or profile becomes a course module&quot;},{&quot;id&quot;:&quot;F10&quot;,&quot;f&quot;:2,&quot;t&quot;:5,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Assessed cycle tasks become completion evidence&quot;},{&quot;id&quot;:&quot;F11&quot;,&quot;f&quot;:5,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Qualified participants for the next cycle's roles&quot;},{&quot;id&quot;:&quot;F12&quot;,&quot;f&quot;:4,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Q4 synthesis informs the next-year mandate&quot;},{&quot;id&quot;:&quot;F13&quot;,&quot;f&quot;:1,&quot;t&quot;:3,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Validation and monitoring evidence for conformance review&quot;},{&quot;id&quot;:&quot;F14&quot;,&quot;f&quot;:1,&quot;t&quot;:5,&quot;ph&quot;:&quot;PLANNING&quot;,&quot;art&quot;:&quot;Each system's rooms become a learning-by-doing course&quot;},{&quot;id&quot;:&quot;R1&quot;,&quot;f&quot;:3,&quot;t&quot;:4,&quot;ph&quot;:null,&quot;art&quot;:&quot;Applied in editions&quot;},{&quot;id&quot;:&quot;R2&quot;,&quot;f&quot;:4,&quot;t&quot;:5,&quot;ph&quot;:null,&quot;art&quot;:&quot;Taught in the open&quot;},{&quot;id&quot;:&quot;R3&quot;,&quot;f&quot;:5,&quot;t&quot;:0,&quot;ph&quot;:null,&quot;art&quot;:&quot;Questions become experiments&quot;},{&quot;id&quot;:&quot;R4&quot;,&quot;f&quot;:0,&quot;t&quot;:1,&quot;ph&quot;:null,&quot;art&quot;:&quot;Tested prototypes are built&quot;}],&quot;PH&quot;:[[&quot;PLANNING&quot;,&quot;Planning&quot;],[&quot;READINESS_PREPARATION&quot;,&quot;Readiness preparation&quot;],[&quot;CONTROLLED_BUILD&quot;,&quot;Controlled build&quot;],[&quot;CLOSEOUT&quot;,&quot;Closeout&quot;],[&quot;AFTER_ACTION_REVIEW&quot;,&quot;After-action review&quot;],[&quot;CORRECTION&quot;,&quot;Correction&quot;],[&quot;DOCKET_REVIEW&quot;,&quot;Docket review&quot;],[&quot;RENEWAL&quot;,&quot;Renewal&quot;]],&quot;L&quot;:[[1,3],[1,2],[2,5],[2,4],[1,5,2],[1,4,3],[1,4,2],[1,2,3],[2,3,5],[1,5,2,3],[1,4,2,3],[1,3,5,2],[1,2,4,3],[2,4,3,5],[1,5,2,4,3],[1,4,3,5,2],[0,1,2,3,4,5]],&quot;CTX&quot;:[{&quot;id&quot;:&quot;whole&quot;,&quot;n&quot;:&quot;The whole programme&quot;,&quot;s&quot;:[0,1,2,3,4,5],&quot;t&quot;:&quot;Every pillar hands its work to another; together they close the year's feedback loops.&quot;},{&quot;id&quot;:&quot;practice&quot;,&quot;n&quot;:&quot;From prototype to practice&quot;,&quot;s&quot;:[0,1,2,3],&quot;t&quot;:&quot;A Labs prototype is built in the Foundry, tested in a Universe mission and codified as a standard.&quot;},{&quot;id&quot;:&quot;build-test&quot;,&quot;n&quot;:&quot;Build and test&quot;,&quot;s&quot;:[1,2],&quot;t&quot;:&quot;The Foundry builds what a mission needs; Universe returns the go or no-go evidence.&quot;},{&quot;id&quot;:&quot;conformance&quot;,&quot;n&quot;:&quot;Conformance&quot;,&quot;s&quot;:[1,3],&quot;t&quot;:&quot;Validation evidence goes to Standards for review; composed profiles come back for the next build.&quot;},{&quot;id&quot;:&quot;correction&quot;,&quot;n&quot;:&quot;A finding becomes a correction&quot;,&quot;s&quot;:[1,4,3],&quot;t&quot;:&quot;Observations are published, a method finding becomes a change proposal, the corrected profile returns to the build.&quot;},{&quot;id&quot;:&quot;mandate&quot;,&quot;n&quot;:&quot;Setting the next mandate&quot;,&quot;s&quot;:[2,4],&quot;t&quot;:&quot;After-action findings go into the editions; the Q4 synthesis informs next year's mandate.&quot;},{&quot;id&quot;:&quot;people&quot;,&quot;n&quot;:&quot;People for the next cycle&quot;,&quot;s&quot;:[2,5],&quot;t&quot;:&quot;Assessed cycle tasks become completion evidence; qualified participants take roles in the next cycle.&quot;},{&quot;id&quot;:&quot;learning&quot;,&quot;n&quot;:&quot;Learning by doing&quot;,&quot;s&quot;:[1,2,5],&quot;t&quot;:&quot;Each system's rooms become a course; learners join missions, and missions return to the Foundry.&quot;}]}\"><div class=\"nx-nsig-plate\"><div class=\"nx-nsig-strip\" role=\"group\" aria-label=\"Routes through the programme\" hidden><\/div><div class=\"nx-nsig-stage\"><div class=\"nx-nsig-top\"><span>Select pillars \u00b7 hover lines<\/span><span class=\"nx-nsig-pairs\">18 \/ 18 handoffs<\/span><\/div><div class=\"nx-nsig-tilt\"><svg class=\"nx-nsig-svg\" viewBox=\"-370 -290 740 580\" role=\"img\" aria-label=\"The six pillars of the Consortium's programme: 18 of 18 handoffs in play, 17 feedback loops closed.\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-phex-legend\" aria-hidden=\"true\"><span><i class=\"nx-phex-k1\"><\/i>handoff in play<\/span><span><i class=\"nx-phex-k2\"><\/i>recorded handoff<\/span><span><i class=\"nx-phex-k3\"><\/i>no direct handoff<\/span><\/p><div class=\"nx-phex-phase\" hidden><p class=\"nx-phex-phh\"><span class=\"nx-phex-phk\">Programme year<\/span><span class=\"nx-phex-pn\">All phases<\/span><\/p><div class=\"nx-phex-steps\" role=\"group\" aria-label=\"Phases of the programme year\"><\/div><div class=\"nx-nsig-actions\"><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"play\">Play the year<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"allph\">All phases<\/button><\/div><\/div><\/div><div class=\"nx-nsig-read\"><div><p class=\"nx-nsig-k\">Route<\/p><p class=\"nx-nsig-name\">The whole programme<\/p><p class=\"nx-nsig-line\">Every pillar hands its work to another; together they close the year&#8217;s feedback loops.<\/p><\/div><p class=\"nx-nsig-code\" aria-live=\"polite\"><span>L<\/span> \u00b7 <span>F<\/span> \u00b7 <span>U<\/span> \u00b7 <span>S<\/span> \u00b7 <span>R<\/span> \u00b7 <span>A<\/span><\/p><dl class=\"nx-nsig-stats\"><div><dt>Pillars<\/dt><dd><strong>6<\/strong> <small>of 6<\/small><\/dd><\/div><div><dt>Handoffs<\/dt><dd><strong>18<\/strong> <small>of 18<\/small><\/dd><\/div><div><dt>Loops<\/dt><dd><strong>17<\/strong> <small>closed<\/small><\/dd><\/div><\/dl><div class=\"nx-nsig-detail\"><h3 class=\"nx-nsig-dh\">Handoffs in play<\/h3><ul class=\"nx-nsig-rel nx-phex-rel\"><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F01<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Foundry<\/b> \u00b7 Admitted mission becomes a cycle project with a decision case<\/span><span class=\"nx-phex-ph\">Readiness preparation<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F02<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Universe<\/b> \u00b7 Core Build Report and go or no-go evidence<\/span><span class=\"nx-phex-ph\">Controlled build<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F03<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Reports<\/b> \u00b7 Sealed observations and indicator series behind a profile<\/span><span class=\"nx-phex-ph\">Closeout<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F04<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Reports<\/b> \u00b7 After-action and scenario findings for chapters 10 and 13<\/span><span class=\"nx-phex-ph\">After-action review<\/span><\/li><\/ul><p class=\"nx-nsig-hint\">and 14 more<\/p><\/div><div class=\"nx-nsig-actions\" data-phex-acts=\"true\" hidden><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"all\">Whole ring<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"clear\">Clear<\/button><button type=\"button\" class=\"nx-nsig-btn nx-nsig-pri\" data-phex-act=\"copy\">Copy route<\/button><\/div><\/div><\/div><figcaption class=\"nx-nsig-note\">F01 to F14 are the recorded handoffs of the programme year, each with the artefact that moves and its phase; R1, R2, R3 and R4 carry work around the ring. A loop counts when every pillar on it is selected. Every pillar is led by the Nexus Consortium.<\/figcaption><\/figure><ol class=\"nx-pl-list\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Labs<\/span><span class=\"nx-pl-role\">Where questions become experiments and prototypes: new methods, data and tools are tried in the open, with their limits on record, before the Foundry builds them, under the Nexus Consortium.<\/span><a class=\"nx-link nx-pl-go\" 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-pl-name\">Foundry<\/span><span class=\"nx-pl-role\">Where exposure and scenario evidence is built so supervisors, insurers and investors can read it.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/foundry\/\">Fintech Nexus in Foundry<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Universe<\/span><span class=\"nx-pl-role\">Where scenarios are tested in controlled exercises, and finance-readiness dialogues read what they mean for capital and cover.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/universe\/\">Fintech Nexus in Universe<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/universe.nexus\/\">universe.nexus<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Nexus Standards<\/span><span class=\"nx-pl-role\">Where disclosure and data rules are codified so risk evidence is comparable for finance and insurance.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/nexustandards.com\/finance\/\">Finance, Insurance and the Economy in Standards<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/nexustandards.com\/\">nexustandards.com<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Reports<\/span><span class=\"nx-pl-role\">Where sector analysis and the finance and insurance readiness series are published, with exposure and limits stated.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/reports\/\">Fintech Nexus in Reports<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Risk Academy<\/span><span class=\"nx-pl-role\">Where finance, insurance and public-finance professionals learn to read risk evidence, on Risk Academy.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/risksacademy.com\/finance-economics\/\">Faculty of Finance and Economics in Academy<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/risksacademy.com\/\">risksacademy.com<\/a><\/li><\/ol><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-4\" data-hue=\"infrastructure\" aria-label=\"Consortium, Pages, 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=\"Consortium, Pages, Connected, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-1\" aria-controls=\"nx-sec-consortium\" aria-selected=\"true\" data-key=\"p1\">Consortium<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-2\" aria-controls=\"nx-s-15-sec\" aria-selected=\"false\" data-key=\"p2\">Pages<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-3\" aria-controls=\"nx-s-16-sec\" aria-selected=\"false\" data-key=\"p3\">Connected<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-4\" aria-controls=\"nx-s-17-sec\" aria-selected=\"false\" data-key=\"p4\">Questions<\/button><\/div><section id=\"nx-sec-consortium\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-variant=\"band\" aria-labelledby=\"nx-s-14\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Consortium<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">The same field, seen three ways.<\/h2><p class=\"nx-lede\">GCRI studies a field as science, GRF governs it and GRA builds shared financial understanding of it. Fintech Nexus links to its counterparts so that work on one side is visible on the others.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><ul class=\"nx-dir\" data-cols=\"3\" aria-label=\"Platform\"><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/cyber-digital-resilience\/\"><span class=\"nx-dir-name\">Cybersecurity and Digital Resilience<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Cyber and digital resilience<\/span><\/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-dir-row\" href=\"https:\/\/therisk.global\/quantum\/\"><span class=\"nx-dir-name\">Quantum Technologies<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Cyber and digital resilience<\/span><\/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-dir-row\" href=\"https:\/\/therisk.global\/digital-public-infrastructure\/\"><span class=\"nx-dir-name\">Digital Public Infrastructure<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Digital public infrastructure, Cyber and digital resilience<\/span><\/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-dir-row\" href=\"https:\/\/globalriskforum.com\/ai-digital-governance\/\"><span class=\"nx-dir-name\">AI and Digital Governance<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GRF<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Digital public infrastructure, Cyber and digital resilience<\/span><\/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><\/div><\/section><section id=\"nx-s-15-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-15\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">15<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Pages<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Pages in Fintech Nexus.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/about\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Industry scope and publisher<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/sector\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial discipline overview<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/research\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional research<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/innovation\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Technology and emerging practices<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/readiness\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Resilience and finance readiness<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/programmes\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Research and industry programmes<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/tools\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Analytical and data resources<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/community\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional community<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/learning\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional learning<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/events\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional meetings<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/publications\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Reports and sector briefs<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/participate\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Membership and research participation<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/contact\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Contact the industry platform<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/trust\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Antitrust, independence and financial perimeter<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">STEM foundation of Fintech Nexus<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/chapters\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Chapters<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/cycle\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">How work moves in this field<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/foundry\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Build in Foundry<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/universe\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Test in Universe<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/reports\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Publish in Reports<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/counterparts\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">The same field across the Consortium<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Topics<\/h3><\/a><\/div><\/div><\/div><\/section><section id=\"nx-s-16-sec\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-16\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">16<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connected<\/span><\/div><h2 id=\"nx-s-16\" 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:\/\/therisk.global\/fields\/markets\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Capital markets and investment<\/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:\/\/therisk.global\/fields\/cyber\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Cyber and digital resilience<\/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:\/\/therisk.global\/fields\/dpi\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Digital public infrastructure<\/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-17-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-17\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">17<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-17\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Who publishes Fintech Nexus?<\/summary><div class=\"nx-answer\">The Global Risks Alliance (GRA) publishes Fintech Nexus and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.<\/div><\/details><details><summary>Is Fintech Nexus active?<\/summary><div class=\"nx-answer\">Fintech Nexus is an established platform of The Global Risks Alliance. Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/div><\/details><details><summary>How can I contribute?<\/summary><div class=\"nx-answer\">Start with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/participate\/\">the participation paths<\/a> or write to the contact form. An enquiry receives a reference; it does not create membership, a role or an assignment.<\/div><\/details><details><summary>Where are findings published?<\/summary><div class=\"nx-answer\">Reviewed outputs appear on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/publications\/\">the publications page<\/a>, and contributions to the Reports series are listed on Publish in Reports.<\/div><\/details><details><summary>Which values on this platform are real?<\/summary><div class=\"nx-answer\">Indicator names, units, sources, methods and frameworks are real. Levels in figures and canvases are examples in a design. A programme replaces them with labelled evidence it owns.<\/div><\/details><details><summary>How do I report an error?<\/summary><div class=\"nx-answer\">Use <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/trust\/corrections\/\">corrections and concerns<\/a>, or write to the integrity concern form. A correction is recorded as a new version, never a silent edit.<\/div><\/details><details><summary>Does Fintech Nexus recommend fintech products or firms?<\/summary><div class=\"nx-answer\">No. This is shared industry research, not advice on any product, firm or transaction, and GRA does not solicit business for anyone.<\/div><\/details><details><summary>Is GRA a regulator?<\/summary><div class=\"nx-answer\">No. GRA does not regulate, supervise or license. It builds shared industry understanding; supervision belongs to competent authorities.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"infrastructure\" 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\">Reports 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\">Fintech Nexus<\/span><span class=\"nx-chip\">Exponential Technology<\/span><span class=\"nx-chip\">Finance and Insurance Readiness<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/fintech-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\/fintech-nexus#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. A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-scn-h-a04\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">How it works<\/span><h2 id=\"nx-scn-h-a04\" class=\"nx-h3 nx-mt-2\">How Fintech Nexus works.<\/h2><p class=\"nx-lede nx-mt-2\">Choose a view and press Play to follow the platform&#8217;s process, its programme year, the standards it applies and how its findings are published. The outline shows how the work is designed to run, not the status of any decision.<\/p><div class=\"nx-mt-3\"><div class=\"nx-pe\" id=\"nx-pe-a04\" data-nx-pe=\"nx-pe-a04\" data-active=\"platforms\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Fintech Nexus<\/p><h2 class=\"nx-pe-title\">How Fintech Nexus works<\/h2><p class=\"nx-pe-others\"><span aria-current=\"true\">Platforms<\/span> \u00b7 <span>Programme year<\/span> \u00b7 <span>Standards<\/span> \u00b7 <span>Reports<\/span><\/p><p class=\"nx-pe-cap\">A platform joins a field to named methods, labelled evidence and the outputs it publishes, without becoming the authority it serves.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Scope<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">Field and families<\/span><span class=\"nx-pe-k\">Start \u00b7 The platform lead<\/span><span class=\"nx-pe-sm\">The home states the field, its families and who it serves.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Topic dossiers<\/span><span class=\"nx-pe-k\">Record \u00b7 Platform authors<\/span><span class=\"nx-pe-sm\">Topics explain the subject with labelled evidence.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Evidence<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Evidence labels<\/span><span class=\"nx-pe-k\">Record \u00b7 GCRI<\/span><span class=\"nx-pe-sm\">Each value is labelled: observed, published statistics, estimated, modelled, scenario or unknown.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">Methods<\/span><span class=\"nx-pe-k\">Step \u00b7 Method owners<\/span><span class=\"nx-pe-sm\">Methods come from the STEM Commons, each with one canonical page.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Work<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">Scenarios on 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><\/span><span class=\"nx-pe-k\">Model \u00b7 Foundry pillar<\/span><span class=\"nx-pe-sm\">Scenarios run on the Nexus systems, labelled as scenario.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">Standards that apply<\/span><span class=\"nx-pe-k\">Record \u00b7 <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a><\/span><span class=\"nx-pe-sm\">The platform names the standards that apply. A validator report is evidence for review.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Publish<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/span><span class=\"nx-pe-st\">Editions<\/span><span class=\"nx-pe-k\">Record \u00b7 Reports<\/span><span class=\"nx-pe-sm\">Findings are published through Reports with their limits.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">08<\/span><span class=\"nx-pe-st\">Authority decides<\/span><span class=\"nx-pe-k\">Outcome \u00b7 The competent authority<\/span><span class=\"nx-pe-sm\">Decisions and execution stay with the government, operator or licensed institution.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/\" rel=\"noopener\">Fintech Nexus home<\/a> \u00b7 Platforms \u00b7 Shared methods<\/span><span>An outline of how the work is designed to run; it does not report the status of any decision or record.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" id=\"nx-tp-globalriskalliance-com-fintech-nexus\" data-nx-takepart=\"GRA\" aria-labelledby=\"nx-tp-globalriskalliance-com-fintech-nexus-h\"><div class=\"nx-container\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Take part<\/span><\/div><h2 id=\"nx-tp-globalriskalliance-com-fintech-nexus-h\" class=\"nx-h3 nx-mt-2\">Take part in Fintech Nexus.<\/h2><p class=\"nx-lede nx-mt-2\">Start from who you are. Answer an open call. Or form and lead a competence cell on the Fintech Nexus platform.<\/p><div class=\"nx-mt-3\" data-nx-tabs=\"true\" data-active=\"routes\"><div class=\"nx-tablist\" role=\"tablist\" aria-label=\"Ways to take part\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-globalriskalliance-com-fintech-nexus-tab-routes\" aria-controls=\"nx-tp-globalriskalliance-com-fintech-nexus-panel-routes\" aria-selected=\"true\" data-key=\"routes\">Routes<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-globalriskalliance-com-fintech-nexus-tab-calls\" aria-controls=\"nx-tp-globalriskalliance-com-fintech-nexus-panel-calls\" aria-selected=\"false\" data-key=\"calls\">Open calls<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-globalriskalliance-com-fintech-nexus-tab-cell\" aria-controls=\"nx-tp-globalriskalliance-com-fintech-nexus-panel-cell\" aria-selected=\"false\" data-key=\"cell\">Cells and CERTs<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-globalriskalliance-com-fintech-nexus-tab-index\" aria-controls=\"nx-tp-globalriskalliance-com-fintech-nexus-panel-index\" aria-selected=\"false\" data-key=\"index\">The Index<\/button><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-globalriskalliance-com-fintech-nexus-panel-routes\" aria-labelledby=\"nx-tp-globalriskalliance-com-fintech-nexus-tab-routes\"><div class=\"nx-cells\" data-cols=\"3\"><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">National institutions<\/h3><p class=\"nx-p nx-mt-1\">Ministries, statistics offices and agencies: a national desk and chapter, and a seat in the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/national-chapters\/\">National chapters<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Sectors and professions<\/h3><p class=\"nx-p nx-mt-1\">Operators, regulators, banks, insurers and professional bodies whose work touches Fintech Nexus. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/participate\/\">Participate<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Learning<\/h3><p class=\"nx-p nx-mt-1\">Courses and practice, with a record of every course completed. Free to study. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/open-learning\/\">Open learning<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Standards<\/h3><p class=\"nx-p nx-mt-1\">Draft, review and adopt the methods and data standards with the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Communities and research<\/h3><p class=\"nx-p nx-mt-1\">Universities, civil society and individual experts: projects, data and review. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/contact\/\">Write to the team<\/a><\/p><\/div><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-globalriskalliance-com-fintech-nexus-panel-calls\" aria-labelledby=\"nx-tp-globalriskalliance-com-fintech-nexus-tab-calls\" hidden><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-nx-calls=\"true\"><thead><tr><th scope=\"col\">Open call<\/th><th scope=\"col\">Seeks<\/th><th scope=\"col\">Closes<\/th><\/tr><\/thead><tbody><tr data-closes=\"2026-12-15\"><td>Founding call for experts to the working groups <span class=\"nx-chip\">CALL-FOUNDING-EXPERTS<\/span><\/td><td>expert, editor, chair<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2026-12-01\"><td>Open nomination for the three independent expert seats of the Global Standards Council <span class=\"nx-chip\">CALL-GSC-IND<\/span><\/td><td>council-member<\/td><td>2026-12-01<\/td><\/tr><tr data-closes=\"2026-12-15\"><td>Nominations of interim regional members (applies only if the transitional provision is decided) <span class=\"nx-chip\">CALL-GSC-REG<\/span><\/td><td>council-member<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Review of the wave-1 risk core outlines (C1, C2, C3, C4, C8, C10, C11) <span class=\"nx-chip\">CALL-REVIEW-WAVE1<\/span><\/td><td>contributor<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts for the core standards of risk science: uncertainty and evidence grading, scales, structured expert judgement, tolerability, extremes and compound events, catastrophic and existential risk, ethics and equity, units and measurement (NRS-C17 to NRS-C24) <span class=\"nx-chip\">CALL-CORE-SCIENCE<\/span><\/td><td>expert, editor, chair<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-03-31\"><td>Independent reviewers for the families of the hazard atlas, three from at least two regions for each family (NHS2-R19), priority families first <span class=\"nx-chip\">CALL-ATLAS-REVIEW<\/span><\/td><td>expert<\/td><td>2027-03-31<\/td><\/tr><tr data-closes=\"2026-11-30\"><td>Members of the interim Frontier Safety Review Panel and red-team reviewers (biosafety and biosecurity, AI safety and security, critical-infrastructure security); applications treated in confidence <span class=\"nx-chip\">CALL-FRONTIER-SAFETY-REVIEW<\/span><\/td><td>expert<\/td><td>2026-11-30<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts in ontology, metrology, software verification and conformity assessment for the requirement register, the NHS-2 machine representation, the conformance test suites and the conformity assessment scheme <span class=\"nx-chip\">CALL-CONFORMANCE-ONTOLOGY<\/span><\/td><td>expert, editor<\/td><td>2027-01-31<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-note\">Calls past their closing date are hidden automatically. Every call, proposal and route: <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/open-areas-and-calls\/\">open areas and calls<\/a>.<\/p><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-globalriskalliance-com-fintech-nexus-panel-cell\" aria-labelledby=\"nx-tp-globalriskalliance-com-fintech-nexus-tab-cell\" hidden><div class=\"nx-panel-split\"><ol class=\"nx-terms\"><li><h3 class=\"nx-terms-t\">Gather the cell<\/h3><p class=\"nx-terms-d\">Bring together three to seven people with complementary skills: data, field practice, policy and communication.<\/p><\/li><li><h3 class=\"nx-terms-t\">Register it<\/h3><p class=\"nx-terms-d\">Write to the team with the cell&#8217;s name, members, area and region. You receive a reference and a contact. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/contact\/\">Write to the team<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Choose a charter<\/h3><p class=\"nx-terms-d\">Pick one focus: research and evidence, data and maps, standards review, or community preparedness.<\/p><\/li><li><h3 class=\"nx-terms-t\">Learn together<\/h3><p class=\"nx-terms-d\">Follow shared study paths at Risk Academy, with practice and a record of every course completed. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/hazards-resilience\/\">Hazards and resilience<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Lead and report<\/h3><p class=\"nx-terms-d\">Hold regular sessions. Publish what the cell learns through Reports. Bring findings to the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/li><\/ol><aside class=\"nx-callout nx-panel-aside\" aria-labelledby=\"nx-tp-globalriskalliance-com-fintech-nexus-cert\"><h3 class=\"nx-h4\" id=\"nx-tp-globalriskalliance-com-fintech-nexus-cert\">Specialise as a Community Emergency Response Team (CERT)<\/h3><p class=\"nx-p\">A CERT prepares its neighbourhood for the hazards it faces. It builds a local hazard profile from this site&#8217;s map. It trains in household and street preparedness. It learns first aid and light search through recognised local providers, and it runs drills.<\/p><p class=\"nx-p\">A CERT works alongside the local emergency services and follows their direction. It never replaces them and is not an emergency service.<\/p><\/aside><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-globalriskalliance-com-fintech-nexus-panel-index\" aria-labelledby=\"nx-tp-globalriskalliance-com-fintech-nexus-tab-index\" hidden><p class=\"nx-panel-lead\">What a national team or a local community can do on The Global Risks Index (<a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s6\" data-tc=\"NXS-GRX\" data-tk=\"Nexus system\" data-td=\"Canonical data, provenance and risk\" data-ts=\"NRS-S6\">NXS-GRX<\/a>) today.<\/p><div class=\"nx-cells\" data-cols=\"4\"><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Your country&#8217;s profile<\/h3><p class=\"nx-p nx-mt-1\">Open risk profiles for 195 countries, with sources and licences on every value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Correct or reply<\/h3><p class=\"nx-p nx-mt-1\">Correct a value or reply for your country. The change is logged with its effect. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Offer data<\/h3><p class=\"nx-p nx-mt-1\">Offer a dataset. It enters through the licence gate, with your credit. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Use the open data<\/h3><p class=\"nx-p nx-mt-1\">Layers, profiles and tiles through the open API. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-hue=\"finance\" id=\"nx-grix-globalriskalliance-com-fintech-nexus\" data-tone=\"alt\" data-nx-grix=\"risk:world\" aria-labelledby=\"nx-grix-globalriskalliance-com-fintech-nexus-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><span class=\"nx-eyebrow\">The Global Risks Index<\/span><h2 id=\"nx-grix-globalriskalliance-com-fintech-nexus-h\" class=\"nx-section-title\">Every figure on this page is indexed: hazards, climate, conflict, the world.<\/h2><p class=\"nx-lede\">The Index is the Consortium&#8217;s indexing system for risk data. Every indicator, hazard, series and country profile carries its <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> identifier, its source and its licence, so what this page shows can be traced, corrected and reused.<\/p><\/div><div class=\"nx-grix\"><ol class=\"nx-grix-rail\" aria-label=\"The data pipeline\"><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">01 \u00b7 Sources<\/span><span class=\"nx-grix-t\">205 registered sources<\/span><span class=\"nx-grix-m\">Every value keeps its source and licence; withheld values are counted.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/data\/\">Data and licences<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">02 \u00b7 Nexus Standards<\/span><span class=\"nx-grix-t\">NIS-1 and NHS-1<\/span><span class=\"nx-grix-m\">451 indicators, 905 hazards; every record carries a <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/uni\/\" data-tc=\"UNI\" data-tk=\"Nexus Standards\" data-td=\"The universal identifier of every Nexus artifact (NS-1)\">UNI<\/a>.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">03 \u00b7 The Index<\/span><span class=\"nx-grix-t\">54 series, 195 country profiles<\/span><span class=\"nx-grix-m\">Computed on the standards; no value is published until an edition is released.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/\">The Global Risks Index<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">04 \u00b7 This page<\/span><span class=\"nx-grix-t\">Fintech Nexus<\/span><span class=\"nx-grix-m\">Maps, figures and feeds read the Index in the context of hazards, climate, conflict.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/developers\/\">Public API<\/a><\/li><\/ol><div class=\"nx-grix-kpis\"><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Sources<\/span><span class=\"nx-metric\" data-count=\"true\">205<\/span><span class=\"nx-metric-note\">registered, each with its licence<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Indicators<\/span><span class=\"nx-metric\" data-count=\"true\">451<\/span><span class=\"nx-metric-note\">NIS-1, 106 composites, 20 domain indices<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Hazards<\/span><span class=\"nx-metric\" data-count=\"true\">905<\/span><span class=\"nx-metric-note\">NHS-1, crosswalked to UNDRR-ISC HIPs<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Series<\/span><span class=\"nx-metric\" data-count=\"true\">54<\/span><span class=\"nx-metric-note\">global, sector, strategic, technology, thematic<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Country profiles<\/span><span class=\"nx-metric\" data-count=\"true\">195<\/span><span class=\"nx-metric-note\">one site per country<\/span><\/div><\/div><div class=\"nx-grix-grid\"><div class=\"nx-grix-col\"><h3 class=\"nx-grix-h\">Series in this context <span class=\"nx-grix-hm\">hazards, climate, conflict<\/span><\/h3><ol class=\"nx-grix-ledger\"><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GLB<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/global\/\">Global Systems<\/a><span class=\"nx-grix-row-d\">The state of interdependent <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 global-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Nexus risk class: a risk whose hazard, consequences or causal chain crosses national borders and acts at continental or planetary scale, so that no single country can assess or manage it alone.\" data-ts=\"NRS-C1\" data-tr=\"draft\">global risk<\/a>: the twenty domain indices aggregated to the world, the five core <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> (water, energy, food, health, biodiversity) and their couplings, the global tail register and the gap\u2026<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000002<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">TH<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/th-04\/\">Disaster Risk Intelligence (DRI)<\/a><span class=\"nx-grix-row-d\">Signals, observations, event streams, geospatial layers and scenario packs turned into structured risk intelligence for preparedness and planning.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000111<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-10\/\">Global Cities<\/a><span class=\"nx-grix-row-d\">Urban exposure, heat, flooding, informal settlement, service dependency and the economic weight of cities at risk.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000068<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Infrastructure \u00b7 Climate<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-07\/\">Global Climate<\/a><span class=\"nx-grix-row-d\">Chronic and acute physical climate hazard, transition exposure, adaptation gaps and scenario pathways to 2030, 2050 and 2100.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000065<\/span><span class=\"nx-grix-dom\">Climate \u00b7 Hazards \u00b7 Finance<\/span><\/span><\/li><\/ol><p class=\"nx-grix-foot\" data-nav=\"inline\"><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/series\/\">All 54 series<\/a> \u00b7 <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/indices\/\">The 20 domain indices<\/a><\/p><\/div><div class=\"nx-grix-col nx-grix-side\"><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Country profiles <span class=\"nx-grix-hm\">the world<\/span><\/h3><div class=\"nx-grix-chips\"><a class=\"nx-grix-chip\" href=\"https:\/\/risksindex.com\/countries\/\">All 195 country profiles<\/a><\/div><p class=\"nx-grix-foot\">Every country profile carries the source and licence of each value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/contribute\/\">Correct a value or reply<\/a><\/p><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Hazard domains <span class=\"nx-grix-hm\">NHS-1<\/span><\/h3><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/atmo\/\">Atmosphere and weather<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000135<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/geo\/\">Solid Earth<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000138<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/sys\/\">Systemic and compound events<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000148<\/span><\/li><\/ul><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Geodata and API <span class=\"nx-grix-hm\">open<\/span><\/h3><p class=\"nx-grix-m\">Open layers on an equal-area hexagon grid, shown as densities per km\u00b2 or as symbols: <span class=\"nx-grix-tag\">People \u00b7 GHSL 2025<\/span><span class=\"nx-grix-tag\">People \u00b7 WorldPop 2025<\/span><span class=\"nx-grix-tag\">Built-up area<\/span><span class=\"nx-grix-tag\">Ports<\/span><span class=\"nx-grix-tag\">Airports<\/span><span class=\"nx-grix-tag\">Roads<\/span><span class=\"nx-grix-tag\">Railways<\/span><span class=\"nx-grix-tag\">Rivers and lake centrelines<\/span><\/p><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/observatory\/\">Risk Observatory map<\/a><span class=\"nx-grix-dom\">open<\/span><\/li><\/ul><p class=\"nx-grix-m\"><code class=\"nx-grix-code\">\/api\/v1\/public\/grix<\/code> \u00b7 <code class=\"nx-grix-code\">https:\/\/nexustandards.com\/uni\/{uni}<\/code><br><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/developers\/\">Developers<\/a> \u00b7 Data \u00b7 Made with Natural Earth, Public domain; GHSL and WorldPop, CC BY 4.0<\/p><\/div><\/div><\/div><p class=\"nx-grix-note\">Snapshot of the Index registries pinned 2026-10-23 \u00b7 22c6eed. Research and risk-analytics information: not a rating, an official classification, a warning, a benchmark or advice.<\/p><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-globalriskalliance-com-fintech-nexus-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-globalriskalliance-com-fintech-nexus-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-globalriskalliance-com-fintech-nexus-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/programme\/the-nexus-cycle\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> The cycle<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/technology-digital\/cybersecurity\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Cybersecurity and digital resilience<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-18\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Fintech Nexus<\/span><h2 id=\"nx-close-18\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/write-to-us\/readiness-request\/\">Propose a readiness pilot <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\/fintech-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-legal-19\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Legal<\/span><h2 id=\"nx-legal-19\" class=\"nx-h3 nx-mt-2\">Legal documents.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Legal documents\"><a href=\"https:\/\/globalriskalliance.com\/legal\/terms\/\">Platform Terms of Use <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/privacy\/\">Platform Privacy Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/cookies\/\">Platform Cookie and Storage Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/legal-notice\/\">Legal Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/acceptable-use\/\">Acceptable Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/participation-terms\/\">Participation and Events Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/contribution-terms\/\">Contribution Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/research-and-data-terms\/\">Research and Data Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/ai-use\/\">AI-use Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/intellectual-property\/\">Intellectual Property and Licensing <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/trademark-policy\/\">Trademark and Name Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/disclaimer\/\">Disclaimers and Data Notices <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/corrections\/\">Corrections and Right of Reply Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/complaints-and-integrity\/\">Complaints and integrity reporting <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/security\/\">Security and responsible disclosure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/code-of-conduct\/\">Code of Conduct <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/accessibility\/\">Accessibility Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/third-party-notices\/\">Third-party notices and attributions <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><p class=\"nx-note nx-mt-3\">Maps, data and figures on this site are shown for context and general information. They are not advice, forecasts or warnings; the limits of the information are set out in the Disclaimers and Data Notices.<\/p><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Who publishes Fintech Nexus?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Global Risks Alliance (GRA) publishes Fintech Nexus and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.\"}},{\"@type\":\"Question\",\"name\":\"Is Fintech Nexus active?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Fintech Nexus is an established platform of The Global Risks Alliance. Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.\"}},{\"@type\":\"Question\",\"name\":\"How can I contribute?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Start with the participation paths or write to the contact form. 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