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3NRHdK8WzPXJkblmfPUqlSdlVrGKMt6UmMz5SGDWi3RAtv16pbVAlXuT9t2u2rSlm05TBBtFfROh+Kq6cm50Gywunfh1rIxPJKp18fZbWqj0fRUzUiMKYyuP\/e0fbO+F6Be5bnwze92n+tu99+iGzbVm6XzC\/Bn1f8lIiNQuTEWTzcVVyp7ebZ3GUTBSRyOo0k+UkbRJaPEYxjHPoqCMYxJHp9P+2rBB5jrPC90rpZZrGznfpIqkeDBEOUUOUGd6OIemMRb4xIyMpx71hIWttP9VYu5HXK92dpH8+5hk4S7Qo3eZDvGbRzpv7K6VDTIbDljfbLxeokNA98Hn6nfrpzDsbVrKlxcjUWmvSCStor3FAjaUyUwpYiVqZ4rQ1IrU7kzg5iYQe0CdqkCaVnXkc\/VpBh58VyKviOHpFKwo2m0woyCKVDJFha8uqW3u1S9HfeMOdVrBkty0dYr3eiWrqYqFFZ9u9LJbIaj5qAqWRyOkvNCil2RkT5qwOX6btWL3wqLPbCcJpp7932HwLp9u95M\/\/b80y\/\/6Gvnrs3Dp+uG2t606tv\/rgMHevsSJ52dK40EcgqOP1ss6oQ1cwbO0P8i+BYPuaz5xSjnb4D\/B\/aQM+wpVuJUhLeKOnepXhGCi3mnav5yDb1bAX4dfm1ES7mn9lncTNIiEOLFhKt+MeZp3E9luicmaJ+gqVu5CspkVccSx8rOXpVafsFFVaRFDSOtQkGRK9ILy2A7FVFuH4F\/iy6hzyFlsh1KTYhMCXJEx5pgsi5inuyF6Rh2cyUY813MZVFNidrN1MyKdQ3mmskc2NxQILKB8nnWmptDG1ZzuizN9iv3vXJfAz6FPiAmUEiBJaiXyowkRCn2aVTPGKgx1oqlNnwIfUBgIFLDXUXuyzUwRQ06NzjXMjSVCS7LPOSqJDWG38OZzWYjqIek\/F30Z+pLapyV473RuBlV\/W40RZkd4QnLtUkZ29foc1Xp7dKB5auO57GYLWl1OdERMVCbqqY0dFKTl424DOiOlaMpqTVsRfJ8K1XaGsNCi1Tk7RFNr\/C4THCF97qZllHWFJarlWZX3zv4BoM6mzZzJ57dG7gt+5qjem+J98k7hu9I3UhJBvKq+5kqDFauq8lhQ2Uxs6Oj2HPD9muqZt5yLMu3DCsQpxOz3E0gb+BlC8+frd14XM1SBw7qS3HP7pl71BCv3Xy\/4Zh7Gih9g3ST5sGmrbnyZKxNx8IK6ZaMuxHfPF92GcNdg+ieFdsGGlqy3Wjs2AdcCUZijnnRcTK2ig4nB71Jp9L2K+81pnYP9YxDyklClRPSM9fgICN6i70mXy22iyMZ0Zrw2vRI3kjl4DP8Dq0ZmZipK+WbUq18VwMVb09XIp3H01m+0mllK3hVHCJuudIM9Tnx3vw9sRec0H6huJV7QSlntfnireotk\/1kxp7qurhbOZzelS38T8h20E7a9C2pZ6qU2iv+F3eeyHJ7M3iKZnysbEf5uM+R7G2W9WSaZSy9NMjl5kiMNx3+tvG8bnkG0pbX720cWGhU\/Wk8\/NHMVDx1+enYy\/\/OUdRr6a72bfH1F7\/y4pfL5diQLcOuu8NFH42m\/epqtnk9zJ\/8h3gHIiMOtvPSKZHRUz1JvXKmZXfpXEtc5j5cb3GnTy6188Pb9rPFj9KpNBMQyd4kg2iL9au+Pgg3+fPqi62r6ki8wDbdgr3MBnujmEUj\/IwRwR7xt78qN+203GGZFlqZmshNaytJjz\/f2CV0\/HQ9NhHdkaN2ji9mk\/xpmeV\/n2eRI8ZSS0fhvkyiLSGMHbiWDbv\/AFeHLweVtTecFiSIQw+5kZ1UpWHCu8i7KL49PTRen8jyBfI9dsUJtG37BIFjRGfxMS75788fQCs6RPi8UZ9I3hpM0RfkFfucY2rzFDbxH5ryOB8oV+krFJcHCXwVjw3WUmbzRaGof6\/DO8hvq9qbhcaWi8Xw83hITPQCgTdq30XKtxim8\/lSCj34Nl7Xmkd12XtYu4euqoe4I6L06+nXx986\/62p5h9Cf6sLfNEscceom7cq4zYc024zx3QE318g1zfjUTusrWAaecVhcPE8asfzit40uKJHuAt3418M41raTlHeMTmUjaorIyg4Glsv6YU6qgY0oZrsZzpPfh4unSHwKWyE9Y4NqC0W8qENf6z+ZwVj2Ulc1MmLchhva4mhkaHRU0oMM8oLOepJVAxZRWBRGeVZIyyVwgQjY8DRVl6TKY2hlpYkuaUZEMnT0pqRHrOyRi7ENs0yX089uJO8BlGKlobv5U+HceH7ad23X6RNfN073wjoHbkJi7fDWfywkj7tMLYrrgVpNsbDescYin5Uqq8kEkbf\/GZOeQ7jSbSNUruf7+5a4eB8sW1sdfJ1YTe9k51bf+pdt75bX6tXvOX6gHYgeKPcibomvIkcUJLr1ZPqk6SATX1I3iAXSTt+D4MOmSD+Ar6EbRJrt+VMLjwMj5N3F9Y99b10Dh6tHw0+yS\/Uf1H9RWGob8lfRw7lXjxkb6NvK17HzfGfl9+s17fOD1E0U18VV5KDPq72\/Lnqed7LRfm9aDYDdk6mcj6am7LiYvtcSNNBdd\/lP8z\/Rz7a2wpfTL4a+2EdpdOrU3ZxVG81NuGcOWpHs5fstFk2t11Ko16LLTHWwNFTZNepDSZf236qHGG\/1bvtKbbDwPohfKn+YutJdj\/+LHueqcbb9bdRRn\/APOfNyqLO9Y\/C60XXPDn9NfNZXaVwongQ53bVKiCT9bWe9pPZPFY1T2uXbPS8UZ6GJ8q3IEOXLNNkRzGN5ttg6EVVjhXHbRsaNniz9jSrQRSzYzlNd7Hc\/5J7vVKmUZ5DYimmrkHjXBT5l3auXkgDfk1UalRk2rDeSy7wCDLKIdezErzSESpp1K+\/YMA\/lD+tCDpNi0QUVe4GnY5mCP0D8DvK+VTdKKv+O+AUA9g\/XBxawhBew0Iedy4s9o10EdjV5GJ50b44Jzqcua9n9qpu7EdLBU7rOImLQu1zLIHHuVIUFVxIADK\/nQPsTNNCTcuFK3iaXFj6rLvHrurcHNqpIRWKK4IJzE+P\/lj3tcJWnaEjlaS9d3BCwb7Cy12ytZArSIu0Qe9iM0G1MXGTDApbmpG7O1u5g6o0fDNGBqU6cqc4ed2Vxs1ZuGJPO4j2D4RWliUkypKBFlYJG0NkRm9r\/CncX74oTaHrTjxzsc4be1W0fqy91AAzLdL9VM2rYIXjGx3dm1dMgYlZzeqWJAmtLBW90uNA5iSJITaGlGvD5vAAKnaCLVHAc0sonqKJmaOQYTtpZirRAVtm5ZH2bXXzbsMsKHcBuQwpsQVwiJKJoaiJqTSIxnpMIa5WK\/5chTNF5cuYmAcpJSUypcargmZaLv1yTFKrNpyZct5B4PE2ITlDOmP7mog+1yjNEPxAkPLACOzG+K7YSAoykx5Ci\/7ScE64tSfoK8YV\/vIr57ZBBuICeiHn+Xa5M9or+DSWsMevZqEYTvsjPyxjbTNLwovD3WvjLImOwsH6D0Q9RzR3QZu7WE+6RTdnaRcsYe1gEANW3xKXuSLMGO9miSIFrY2J+IGfXcq0Eg2m3EnwzsSvgmOTFmGpW9pp1\/YyimlhsGVE8crkDfDZ+lMCTUYv+SJRZJxBKSZ6ZHJZOwmtm1bjel3pqnm1mctrdcrzGz3Rr05kau2xun1u9Ucex+pvfaVzXSetzCF2gytScgAvZcx0NM9iM52uTdxKwf3FPat0iFVQxUrdUQQkMd4Os\/CkqMpmmgs4H0Nl8boOAshZon0zNVMQbdsIqljLRayGnXhms5LmuBTqVJdmn5SIGTXTkNFr4NzUWhJjrzC4odaEaGahKmA4rqL3VMMCS1Pqxsy+mgosiiIejHd4bYR0BNyoD\/qOulrSCQ\/rvpGmiTUi++GvIcnLKtFEgURaegnGzqTO8kJERZUY+cQqyxIJVmhDWauVixWpA2I5LQAZEhvLhNamaMVOD74Bv5vXPIMKBxInWsGQOTJyociCJVppqaogTNrIlLqGE+x7M3ABfj0vJA1KiaOqPHBeVUpVZRo2AHSiFaTVLHQ2J0quBGKA9jjXerCGfjvnO1o2nmhCFJClIBNSKIIpSllHpk80Co3Zqo2b0C5tf4bBCsJ54il6SaNCGRu7ttuE\/eiH3FC1smHAHAVvBLoJcPCVquyE4xxEEQXawBrp8H6k55pSaRYt2UUZxSBuUd4CH4Q3SaHmeXJBCnatKqW+o1RegUTAKz4QRTU1k7YwY8OYSR3UZGpeXvZCdIGlbXBylM6xXkuzJJRxRtM65lOq6I5GhVvrs3pJaEjBSewcKYcyq3KJiRE6KvyMVo3MnWpgSJZMeZXT3M9AyMBegVvgjySahn2UGnFLeCrFN97hMgUXdeJGBOtAPZozxWzkdmSlqKZ+a1LKOChDHUis+lYb1uHrUovBD2sl8WKrBOFkroqtplrMaIrSEF0\/CZWY7aQOvBMyeWXCeZ1RLoTG5wyLO5Vn5h2\/y9UjcEn9TZB6sRilQVlKJZOQhGmtGRkVdU5EPsWVmVXJBJ8Tm1FVDfRBkesXKLeMW7XlS+yaW2lzcrWXZ63GaxpE83IV9MmMYiRdIBR+Uf0fQG1fDYSW2ZJpC1DWiyJQIrE35H0\/DgueGBx8BhizyjV1meZ6TLRmodJZi1X2bDKT4bKhkqRF4BH0nJCOlPW2qUCDwSMoyCtbmlItRuZAU5G9AM+i\/zuv9uXNnCmtnYNFU9a1w11ZlVH9PdPGXIlIbhZ17H0XUzRKQuCyhEmzx5bbcE\/1MUW9pEfqtC0U3h0sT4oDSwuIUYWZqssV1PBXv1RM+WBvEe6tflYJNsPJXlwlU1HEyGcTmaZFMKpCKm2l698FqP0WYOsZY5baudYc9io2ImUjs5fAq34PfQHSSZXgPb3APM0agcPfNN1fzk4OBO2pW9MO2JmlvCt1yg37pOiE13XOn\/sy1KMnYQ4a6POVm7FMZcvdysDtpLc519ckC1E1wiH6sRy4JTRpo\/A0nRRlhLlIYXgScpirnRrzmUIjlibbSgurcJ+D1eJfZP8iheUX73nhngxn3QiU7nMQJVEtn895vavJMuHj0bDgSlqIsPQDAZmMkYxYWWeiQH0iCAJhac0gG9FJxWm9An+B\/qqiGvzcQmli1DwB9ZuW4Jl3wLXPGp\/VSy2U8DlZVmM8iotCLO6YAzlSUpEblUFaypI0lGbQhk\/CHVD5jlxHWmGAFZqqQnVNMSwTaOxONF4IZTKNiufhKHwfHUbX8KTxTLxTj3e2ec4iANvnddENUZFM6U41yWJIjb7MIGE5HVXDQo74pLICyEXuIK1vgJ20KrApw0dsZJvroC8euvOWN\/OVxKTOoZv5HAFbazZIxTRLzqgzttLN25yCifV0BgzdUpr5nNmotaGTW0kR+C9NebKT5SFLgMcxyMtBehGm874dwpX9gNAqitgOTEzYyYrYKvWhvjm5Xm81c31XMa6iT7uqw9XMytq4ZQC2LGDcpM6czszbGq5naowTQKQBF6EJSRk7KRTac3WIi2krNeqmxuRSZXCCoHnDBkDUKbuucDwpUjQ2dp8gE4a8rIcb+imOXrsIT8G\/rOsZoiGdq9gOOpgiQ9qbZJoNpK\/zWr1Y9qML86q7p2tGRRCoFhB9JqMIaQeggEklZ5R2jhSWN\/X2xI0LIKIWpC7yuq+LLAbgXILEBUMWL4Jm1UhhWiTjaXtKEkeqwtBxq4F04PD5Cvfqg9NajtOMpShrxg34E\/ileoqyIuhsl8bOoWcs0m6qRsx4LTXADAO24POQVa2GZkJjakwUhEeTWOgjM+2KRXgG\/rC2ah0T8FxH1UhlaKzdZS3VLDCyxkpkplDMhLUoqjQrqrz+2x0FR3Uqc3fvVvgQ7Ffgcu5rPB0qWZThTfe6PwkrvJPE48QtabYwceqG0nOVBtYkY7Nui1Ywa7Q6DjM1K1Njc1AN9+Uw7saYu0I9APfCr6K4HqQvyrwcDceZj7a2VE5qSHiuR3HYmZquk9O2rqQGNLt6o7Synq7JKjAFU2A2XTFQyzQtOdeGI3Ad0L4RVdwCD7JYn6rDDCZGmlX5KKRJcPByJ77NQQdmgMA6\/CPU+\/pQX1SLHr0N3l0\/pExuzQwf73Ffy8VESMN\/IkRlwJO8qvn1Le0iS1BU+As7dyM4fKgCKlDVvfHEI1aCK3fUALdTldIcrRG9sIiK0f4evKX+faVsB+Y2nsodjGhOQ30HFTwUVrSCMK+kO2wSSryiwzyppydgrv5bBblyRm0RVlusYzUy7atKqm2FcTR5+YWnwiowJhpSN4sS85Jz\/2WecaXGSQ3TWdHTbgt6nQb7Gc27XE+7pfe61FKwZFfr2HaIxuZqJ6N5nc\/JBmYwKH9byYoqMWMKNq0aE43Cn9UaKvKwqKQrLCdnt8H\/UaeAu\/Vrdwzf0tql6TFkqwiMvILZkdavOenXeK7ShXIF4OVv1ltz2UX1GSOs\/rseQ5Tv2dWaOWd2m65i1itTi66kdqohHZ6tH1DGZDiq+Uyti9o2SW248HvKDxRRqnkoK1IKCarO4Wq6GlGybGpOXFH4E+UppYiWvVrnKk9SuQ9ofUUdGn01JVklCisXRaDxSkq\/\/srgK\/3osrW9FrqVo2n6qtnlrWrGYAdnFgyil6XumBbolFMGv6Y8oZQZBpUowsElnZTmzecNdIkhmWoLrcg0P5\/CRFfn4FeUr8OBbHbTrUzbw63C0Fi3chJgXoHSNANJ\/TKNEq02MlyyaT2+7oPMjsAB5X+pF5G7wg4YjPVchCymq3NM08Qqt3KzpXWcFXxPabBWeXtajDVfJlGg7C7+wH2y4jywOEqoqmeNSH\/lq+e\/m21WQxv0oS5\/+o9\/+o8d+LfKdxWi8l730C6LXhi107QMolAdqvWKMac2YBsxDakCaY1q4dDhXJuqkEZVpRVZBqPEeGKW6+Ajrrq1gRUiSAxJUQlNUPhl5Rvqpg6hLpVJy63tefjflYY6y9trs8ypOktlT1JVH9jCiVGeTuXYSWYDIyyBJJCayu44UC7c+j3nOu4vwpPoPm2WarpS2AoYkZ6b+fzEqaiECzsok8VOCRmPIgGR5BxEpiR88Jph+3W32k6GQVHOaLSgpFJjieFbVcNO7DLXBQYM362Y3S6FPlWVrAExaGxGerY6VzZzz9bzZqT1q+nlWK\/3uK\/6y5M7YBGdZuqk3PGjPtYn4LsqTIbVj\/0Q1fYlKzYrKzF5XkVGrftFybhRdEZxaRYr7FCnyTvV7ESjTXrkusY6OnLsntBjVDt7cgJWpyRgUa12p+5ImTT8OstXYQG9n9FJlFFfpx5qTttVI0BBXkCsinivCR2MQqsmWacrUW32StW43IFZn4o4F\/HMy4uhG+JReRf8R\/QcjQZ1uJcV\/PmlSV7ku809ZcLO77mVSyzRQSbfSL1s9yIdzNKm7AVMUZJG4NUFdQEbrKK4g6Tr6TryTLN25krXqjRKa8WMqdSv1tNxv1I7E1zYvkh6xOVob3gLPAeHGPNQx8oaqzOKXbRVRzrB4U2rTwmxvBx2V\/ewqRwwvVwvWnHBDdn2t8fTUP54NW5O7Qv6xXLn3KWX7dwmVrAE96knjUJVeBiEKNzLhkkZt2RZDbK8TrRMcK3GiWlotYnNgeWZXccWRu2ZJVu2WGx7ECkXdGTqVOlhdeBFeABJXkz4tJqYpat1MtX1wtfBK+oFonbm3yw86KS23LDbFu+0eY8fDjS+SNbK9nilvJ0dcRaznjJzqc+xYpZt6opG2Myr+nkZRiG\/lozI1SgNjclmPoDr+dWkTzLoW5vqqNzG\/2jGrUyJ7T75EctnaCOim6bvyIfhpPKnNEdFHitqEO4kyE+y2s9wsFfnkisyXUlrEZdGYhJF9wz8tFOjVJ+GeeryKC+kFZdXjbwsXglQnESb\/eHOpQyiVwL5Ih5nl6FOgywnchLmgrfGR\/3FyUG+MLk7uL2MN9VgZocaTHgD24Y1rzCSRqlHnW4184YTDpieMV0OdUMuqV2v3e9Mq5SloARDsvOaLB7zzbur+dTKTy8hzR4pvKlZ9aqFCFcbC4elx5zYyPKyuwRfRq+nAWi5j5ZTM0MTriS5xotSi1ZSS8Ux1ZhtBA7NGrURInnMT6ssEalpqYhcNUy4XbmNChbX6HIRs4lWuw425KzQbVhXrpPrNUzpOSNWthe\/2WJ2Z\/iajEbLYv0UPKl0iD8qh\/h6ll5z0kbih\/Ctp5T+3jCzp2pq+hq8EEU4cERjmv\/XHjUW9VpLPdBHvUmyqrYrS9MqR5\/zkGmCSxToEWrVlo4tO4cWxaxmRjPXLfunUjcgfN8dsKccw\/k+6hRUJ2CZhDJpiqomfiWYu1Dtl2r09SyeUJ5ylEsYR1TGcRYjkcNAVBAkiV9nO0pYFEpcjszLzZZdqcEiN5nKD9m8o7q6ps83NM2jqnD3w67ys7htugUOdFx7Mw1tLiuEipjI1WFSoa6YVW8ZY4UU1khVLgVbhHsKEkTBSc4TAXEmtDwPVbEPflb9Haxj1c73Wapm8sX63twoLVmm13he7sS5MiyibCTVQpavkN16aCpll9DKdebMvgxpYHuKWIefVuc0oms9aU8dtM8sm6vJfKBIirol3dMHB8ZH45oEeVn40yLbzooyYHtehUJvoEzNYXUhCYuJU3ZUOnUwijxNtkjTCkwhp2FlizfALyk\/VI3EBBCO6qbmbitsYGpYNQkPDajaE9jx7crxbhEkzRMb4ZDIVuqUC3gFI61pOuCoLDzp92rHV85HJUv4JivdSJmMB82s7UNhZCjdHOT238xkWhZdJP3GCI\/Wt8qURDlv3Zx7dCkzWYkyt\/IaJioI6RbzrKeuRqlMQmWXv\/TXbOAAVT+tQu5wyBpXDIWW6nxmySI3hciaIazCf9IuwezsDDWi+bppQ4tRmt99N7RNXN5iq8ga3HUNOBWXo1GkXvnKVhC6SWswlqMrfJwou9OkHrTE8auL8KB2QpEdqaimbGWKKPxOWRe2JAWvRmOj9mWe1tZ\/FBdZbQjNmhHQYl1TI55emat3QVP7TQUfiu1CClQ3YprPqW5qicMCpVmC87IeiTSrq0CE9Zj7KdJ3pGSXaV2NdwZqVmZa5jpaVfdasZpThDM6CH+IM2W3yHCNE0evsS4aLUUnajMlB+IPGghT5K3CHdpLqE+K+KInyiqbjjPC+tCXMU0rbqYoIJUSylJLCVICktqcKoZkHBNDdu8t21KpfqE0BJ6Hb6nvQryCpNCmSe0XKXmeynJUVPSariAiDKyqK7Lh1Qo1aO4aTdFAeqGnqAnfU7+CpCmRjLeH5RYfaNPmpk21Akym5J51FJuio2AHnlDbCm7mPanndUnHFhoUShDqhafM7SpiAX5PPakU8xLJVBF9Yeykl5WnrFTDiiwEjvVai2jFErUx39U71azU9f0V2Zn1q0xrwC9rTSVThJ8UfAhjItXUAHrdK0gPThZqbaatJnxSW1UKfagnl40xSrQSfigGLrIM2gwaqOFqqpfN1Z4Dn9GOKoUaBxOSc+TrO6VvqSWnN9bsHatuPwLHtTmUYik4S3FeRQxC\/+UQR900r3If4Wl5VZYkxVuyuDHDsQ1tE2c6woWtdEqwGG5iWmga8gpVd1qyclWLI9nOQV8OV7rwuPodlJHqhLGazvE05DFVfbGXQjWhoZiiwK5JammE6SmtMDbgW4qjiLLa0kDbZVpuwlIJirkPXqv+ENUuaeSO0jRAGLEopTqUu4lT7JmJLGMtMyQPOgnC45RU0YRBpPuLyfxY16miEgzGoXXYVX5LLTOcqwPxIh9o22KoiaTOEj1ntIqxH0fVNXOKhllRhea4HrZjM2gYetTqoSVXr26xZ3AP7RvejW41Z1AnbedqWiU9GQ5IXk4NC96sGgrplB5XRFMWdd\/ftYWKLUJSFzbUv0ASSpFXWWYFRtXChjT0AimY60NFsmX4tPp2lHSLhsoik3OcqdfqrJA4z4pLt\/BmWbWfcX2E9ZSCGmWCCopqR9MKl9QKZQputOCL6jchq4oWr4pMvbGyJVOLPIHUDorUQKaDAS1jTXQJ7KkfB6lltZKYKsImcPUTEFW1TErdr9JmHzJa0o1wxoZ17VOQaxPJJcR7qtOXEyXA5pLH5sHrwb3q22vWSLEyn2KRbRV1FrNQShKluSK5mpTpArrx\/wBboaxNeuIg7CgfrmllG1g42OJIX9CIbshq25B86iCdOwv5W2EjZ9lBjWY9pZegaCx3Lg8TliWRLIJpiF4I9pSsGaljE05q\/6YO1UkQX1I3O14nmb090ZKimGfwniq29uZk7uzM7tAK2Ggew3r9WSsnKLS4aBC4u\/60VZTNwCqA7DQIvLb+AwuN1IKh0s4MDP+q\/riV4N5lRQ3nCDxWv8XKmRrpXEXcWoQrxXP27oQHLPYsM2dDiqizoHp8btfhCk1M2ZjgPdcGqQcqX6JmZWwmEAiZKWXZg\/9UvMnuLLkMM1PVHV9nDiccrl5LGUy5f8UPdtGYRMoeLVyzPWvOO\/Bs8SmzsgYoz6cVzsNQmXqxXTZjHWUrdP4\/wG+WF\/Tg\/DipNrVJsZXGSMRj2PKuWkDtjnL71EKtjGVuNRtmeisPG0a9MJ3XzcplgWKz3uHabRzAK0sLLeQ5vq4xPTeI1Buq52oGRpWOgTT35qpZs2gYWMelyahVmZpn1DRQzGhGegoRFptJ9XEEOVdHkUAXT8uGUPMWdVp0Xp8vWpSW8zqjKYlQhTOU0gmaUmb7jazycapW2MdJFdHNDVnG1pBhljEV76kXD01Jv\/b1L0eTLA2e2r6Yi7ge8ok\/tLcMtUjCSeM7VjR74+3uSKeuDNPSNw1TNZhb+dM8muZsaqLuAKvdJ6uL4TPKmMF\/gPeTUZnsNNLFckVPnEstHT6Cfo8R3wNdJ6tcy7KkSP0n4efVNxOzJvbqxD52wM0P6WYbKZ7tKizEiZcvTu1+zqk4Hs1U1lhPLPlGdb5sx4swI3Rzhq7AEu01F53UNsSK2WbLtoMddIQqzoRM80AdVQmT+2f4jL2gQ6dJTBNwYjS0WZiLjr48P6JifzgzZrDEPLK6Mx7m40jt576PB2WdpmBFMefXEhX5JA2jwXmxlYZyqJussF0z3TsXRfU4S0Oj9DIQDaebN2s7VcVWkqWjME26Y3p5LgAZJVhYV3mVfOnpS98vB1lM8zRJt8q9vbxOHMk0sl1meMRSS9PGNEv86iLfG6gosSsRmAOPaFFTlnszSqO1gnBm5eiKTq2Uh9jfermckgzvyjQIG3URkefsa3quJvaITIts7sddUbkGGLyhzOyxK65wJ+1SiyvRkhrGpd7W7KprUXWOUWMZqwz66N\/oz+x5iVu1Lbch9Li8Az6r\/hhKS1PUdo7lQlpxrE7z6bRKadryjWkXGoVWyP6xQskLI1EnEedOWtXcTyruaZrWDXuXUNC9bIUtoe9Em\/qNX7ySUCoIKhgY1Cw1pDNcOprOFAZSOYQUd5oLNSnaPzQVWDPgmPo3QIzQ2ilRlnOcz9amrM0GvEN7EspYCcysA6aOPGsmqYUQSmnmUhFBmGEC79MySOk0Nvf0kizSm\/c1bdvUzAIacTdMDsOa9q3aUq1Q62OpM5KnSbs20jb1GnDrcE+9zZeTSd3ebRf29WYxG5UiTVkygW15WcuySBnzUEs6S7ipXmWSdMzEVqulJmzgy1Uko950x\/97\/W\/0lvGitp\/U2ku2oy5Fy+aymDX3VfsW4M3qn6lAIrvW7cZuGwxBan+QyzxFtTQjgxLhX3NAnxBCE6zpsYrzOVU1UhVjoOqfqkroRbIVsiacUZdVRc3Xo2XVKpqcSquUqVGFJBBXjVG9x1RHNq4TqOBXdTeBJqe+MLgB34M\/1DG2FWSGZdsdVzsjJybaDPwlXNX76jjv5Gka0EyYfVfqxIgygbIkIIXH7JmMYldXkePWWWOiEfgK\/JQ+3j58sGVMtd3+MnwE\/b7Oi5D6UsR+GWBoJbNJJWlWGVMjz4UVlxMtZYgQTeRlO2qBYMtKk4AlbEKEQmEL\/p1ulMICK4Nw2EI2RPC0PiR4OiZF6tRIWGVlMXAjaHPcgt+G56imZl6KFJvRsBHpLyuC9lkdLL1klE7SKM3cVVixcnPluvryIM\/z7UROybjK0liJZGRFdpG7mutpbN\/iTKJTrTZ6iuO6JmKJwVG8xKs6ytQ8JPBRwPqgQmlemFlz1oFPq21Ue2w5p3LKqyoXSAuKAoUKZtJQVuEMfp0SltFyMB70\/ChoRjxcTPML36ouJl8zEzJq42ZqGVZz7rV6pW+xfBl6T2Ir7aI52dVbrkGW+WzIXXhJ\/TaahmRPJvGz1KcV1ZSGZSM3N7AFM3mrDZW6hoRRuaIuDKxWjlBqN9VlmMtqWpT65XTSvuBI7zA4LVhB5xVW3m4Sormm8ZK3dejiLVIo2fIm81GoSRnrcSC0wQFoqF1zbzxCU56qYZru1hcHWyx0obiU9mEQtC9HPKJpE5PI4aRlm0bbccitRXd\/O3PmD89a3dJmWmfLnIIDZ9V3mLozwPL6yHeuDpN62C4bBurebu7NJIsW\/GfllwzLrCzGCjdX4oTwIo0FiXTowUeqx2VCtquio+nSvsoUt6RPpdNJOdVfWmrpZfd5dbrvwn7d08kdaTNH8\/CbqKH9uCvDqZw8FfoQ8FhcjqP6uilMtBghrQuE6ZVBBFMXyuUcq3rH1ZvsrmPwduWrStm1HdU1jPbIXpMz4dK508WpDIPjs9H8UPHNgijkipW+TtNC\/Vw0eoI\/mU32gjKjUr1WbhGeikwRvJuwtJF40g61rBXNVd3EGs0lGxchnSMUvqH8voK12iEtHhZI6ZObSjmbjdSUSWQcgW8oL9YxvcwKwotyh2d1HNR8kHJ+Mbh6qYRY5ujKVNT5Tra3tSWmSfW8gRoOqRzaaPaIRanTsZipNA\/cPivnDcf29u9rgcst1JJLi\/AldE2BT8G\/eyv8DDSEhfVSp2g+OGrNKM3KSTHBYhkbl+3LQSndYDGoqi8deGGlKCI0nFuDL6EYnQMYcLjlc7d8bnLZTNhVO9OnZWbmrHZjxvZBQ53Pse5Ba6mB8l41m837erSedt2WKw2qO6pTzGdU7MtxlmdqLKfkS\/BFWIM\/g6+pT3y33gknEOcCQsr5JBPaprcLIc1NUNNujDMvVGKTIvMIw8aMYVgHrKLnkszCVoFrh3uRM3EnYaygRom53O713wSeBRJ+Xq10TISWQRELPc1VWU+tqun8v+Wc228cVx3Hf3M5Z86Zmb3Zu3YcXxKnSUOiNEmVENKigoooRaoELwGl4qI+ABJSEyQqoQBV+kAJQtAHEBQpokII6AMgWpWmCaJSWkTvkAAFoyRN4ua6tte7Gc\/u3M5c0MkwnfF6d2MnjoDyuv\/Azvf8Pp+PChfgTekEnJ+Cxoqjw1N9eq1f2aZvLl31r6MX7VnRX4\/Lmp6XnEGRUypojOpz6lntrakZUGEqekBskWYUXWl5gjmEEQ5lrOfhE9JDAqmXq4U5KjNFRgJ1ttjMVa3ANVoBgY9JLwieagrWCeSQQMNofAwel74qoALojuaKfs4WmC7jEPkskBlzRVv1HC8IRH+WylrNbuVnBKRKikURuITkWirskr4nhEyOLNsT9HoeYbU56HkE7pF+LCghsXVdkFpl23dqGP4Jm5lYNCKoIUyirfAR+KKYq1PmXRbtwSvE0Fn\/tAKFKs4Nq1KhkQ+RrEQFX4SyLMgqFmXSLInqyooeIiboSIyoERqiq57FXhC1Wm6o25ojMTqtnznJziHTc\/rhDXbISy0WbnuI0\/S0dlmbyRof1T4VRH8Py1KnMYeKYczfjzjlyIlHkxXgL\/6nNbdfGe78ZR\/mBuCY\/2jORr33QWXTqlG+Ixx5FG4Lfp5LdodbjPLZ5XFhpvdeIXBPmM+lm8nVzmyk8IuwkZvv+UsyhqdDKe83eQvAAmbK8Fw4Z9BQkK0QweFw9N93lVYOwT\/CfI5fVfh1ZQ0Y4ZQ0\/95mh37m3qZ5Wy1+b8NQpLrY+eZ2rvQ4zIbv0\/4z26FtZdXgYryyxqHcGgz\/O1dW+\/bdFu2l4CSuWPv2bd\/GKrw3+h1N7DokkXWczDVMAp+NdlCmZH0y\/ttBmnXO6CoM90f7dR\/4lmb0ygCCPdHH9XhLG+V+2Bc9TK5tnzkihkejA+qclZh9FPZFm\/WsVcgtwxJ8P5rUuHnYy0zE8PvIoK6TWHsK\/CG6XU2dPm+AwpORrWWNR6NgSe+Hqejr6iTKGohLtyqX7jy60gYYgdfojRuDO0qxLxgbiDkYhLy60FKM7cUh+E70YbI4zy\/1At8D62AHXbxpmXzHrl09tHrh92vsbV7Plz6Fh2E3Zo1049cCz1bgdbiLxf8bkh7JRkThGDxN+aLQaLow2ncChjocoMk3\/mjY+xsfARIeoQ1vaJZvmDH4svA1ytfCXLjYnaFZI0GyMxTYI0x6nOMjkSRBkeUpfF4I3cC7SvGRsI8zfdHcKnhM2OUFfbIIRVbqZXBJJkwvtMAincJXhJ8QqzH\/HYTAfuGE6Qexs85yFnEMDE8Ix8zQI15EAxSGCH4pPGWCxc11h8hwRHjMFGyJ+jACrwgvu0vnCzmVSOCUYLiJ1RE7HgReFfbRhp2+AfzdQFAWay63Q7glgqEs+m7ih9hFHX4lflOd\/32efLUr8Jr4rOjMMTH+htW2qPC6eFJIXp+9IDwvC\/w9mkAg7hDS1R+ukG9RYad0BNpXP1bXwmVR1m58gfAdo8B90lFIiFBOhxbgIekDmp\/vtkzcAoGfSQrLFhssBcOEtInxokPcduhd6BgFS3qC1c3rKZ\/UjU6VkDLY0h3a6XJvl2hSr0GNaFCR90Xpu278DsLfejHslkNI3kosz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4zum17f5HKBNVAXnc\/dHTJQl93LtnpAMKHzpoNJncu2urNnA\/p+sfr2oaas3CjM\/HDGckzT7KNsPW1nQzndPopqaUL6QMyuTggZHBGyaj\/NWAHnjFHfmjExEM0+RDkBtTsY1xGKF+JVx9yd4nUHc3VbWXkMFVxzkDBnAkIvDM1j\/Mh5oQ6jxGW1MeY+x9cvsI1AGjtBSAqIPj1JLgvBzipyT52UwR6mEhplBizzXQnGu1ADlmUsgW3Dn+5ix\/XDES1yOAlYz5W0eCHlMyQM7yI\/pBLyJ+gPkr4gQ1uoYM2tzJM7Bk+BnZ8l0YShYYomPNEfyrXKRxruZCxWIBMsPyy8ks\/UoR8EvPqC2\/aOE0s82U9P4slIVLBsm7z4pmY2zMrEvVwJAiHs5SnVkEyela4c\/lCeFNRM1Q9A+OhQeaIuuLTkAyfDhCUXmCDhERMeu6H6CAn+UC7F1CL5UNW0Pq56LUu0OZeVQ3VvPVO0X2QCI50IRjoRjHSiPprcrpLnyFHrpGmmugFzEpRoNKQvEd\/OY\/pO5fRbRh7xHlakgnuipswRoJXfIzl3Hpho0I9FUmOd4QiggSHjsoh8AcUTlmZRwmTBeJrD3Nx1c9zViBs4UpgiErRq9A3+Wwz+nts6JPbAwsgDm5k\/lO95lfU5N+txm0ZVEbDiNSJuAxTPO5ipPigFd9MoysZ+ODoPnUHAPE4DZqqXOHPUGuTXqkteg5LwGjSE1+pC7xav8LTUmmBDMWwWerCjxYM8I+9I0gANTg+NLM+nN2F1sIAdpjm9e2FwqbZnURdPdprL29bNjTRiFEQDJzhBA7F6sFdhQdn6WiE9X++Nnyutdae+qjcFQBdriXaq50PG5PU2Dupt8IocrrAqwNbLTcGTBIBzvkVq2eu94XnaNvx\/LzoBQaMpO\/C0ohcQLUyf8S05AcqUsJ8zlmYnoT8FO2t4AaYROWSVqXGpOqE\/RcLBH2Xl1xX5QeGPrdbq1HUCsFT\/RX8c\/1gr89JC17DhpBvNMirxovZLYcSbsw1V4OzJaFo4YIbI+37UKW5pvfuhcgs23zA1a4dPv4HwSEDNJOPCUITGnuJ5x+5WyQpIG8CeuJo5oO9UEMjlsUIW9IrJuq71BmDlqClhi\/ZAMcsRcDnBH8p\/Kau\/6p5tVF4cUf34o6yoQ3\/BPHlBNMWov+oKyFaTqQRzmzNlNWfilIdrhChzSTWXiaCACl\/Ms9+tYlkxYqBZTEDz89UFWYKBgWt5vvpIdLIEFfFbFE2fng64Nuf+jpWYwEhgQFUvY8Ylas4XF\/SbDC8mVzpQy35s++u9kTegDfQg79KMmLxaGAuwgctjbjl4Q5bGwtLtrjzgxoM35NG4zGvdPuDkOMvarqsLg4QPJJmF2b\/dsQqCKCkSvnbHahbFNc5\/yRqnC0s19t3JMf\/Bib4TpuayxgmrK2X+sa96\/rQjGVLHV33PkCRhy3g8fixzHkXOI0WJYPCC0gWurq+shioqHjK2Q6ANIk2dWBL8scjm5ynwR+QGghf42NAYGsr8+CSTx8SHJyUvG\/A9du\/HspKPivPVWZJGCfWPpTjyUYg0JKma4kcE9onlqyL70rMprgC6io5A+\/rIc86cOJslgGJlUUU4el4qK2Gc\/DD4wdxMnbBlKp8gURsLEZtSqiurO7qKDWyfuM7UWC2MEBE4VJc5AYVVuFVwjbSq2i9W4cQaW5oNahA86bZtQpN+6I4N3NPjZRxlaDboLgrbQXeBNpRHI1QfydT3DAsLdBZoZukTGQp1Fpx+2GIYQIrqe+62hpYcQP5QbgLuGSDHMIu7YujPYXOn4shxWQfPJgtTHOBkL\/FJt+EIqzZL3FioxeOOQlXe5Cdb3+Q7deqDVYjwB8iCHZ8y+U59bL\/pVYYsjRTjWN\/MQnMD9R6ox2fcyEXDfD9\/QXryGXd00RPf2F+ApBTUBVG4RtjRHqzZ3Ts1hjHO4FXnr7rdEKU9JhzzhPn3aEdZ3aFtQ8hX614OyK+8xBmV56G4CrxKqeMVc7pTXWeqLroe62UM58JTlt0ZptTmcMJwayo4mYJL4b4s1vx+GTPQf7No5o5Lt6z8hMmXTIb5kjFiol8jd9\/X8YoM6N2xGC7fDKbHApaxVhO78OCngVIVBmmw03DQD8IZYCOAEDIvSgLfGCTqk0BqUuTr8gKJ1qIiWuavZl5QKJ8sahSKSy9u4LuT82mcLUGqrd7kBo97XTDHO2VVQL6W\/YEJcvhC9lU3S4L3bPn05KtTljnv2VKp5Aw1TkDkzV6zoTMLMrlQh\/gmBianeizInK9wpqDu7Bl6D35IBYqq15\/PiADWT8f+MHvPlsdQ9cDQ1YONtU9rtX1YNDKg+1pvzqU\/WDepIz094QOVlNWYybq6RwoBqAQhFugWJb+Lkr3tZbWi7NtoCu6CEZODtSInSRLNr8CUg9mcMHcHnDRz0plvqnKLpp5anc7v63yK6xV48e7gFxVeR\/PweZVOs8r2Bc9HquN555B25acZC1kiF+zQg6bJR4ZOE9sKwQaSyO2vC81iiXz\/dRHXCV0WSKRuH968t\/9s9\/6ys4A5MOrXW4Y0HzMYygdGVrGTpv4DE5x3c3FvEOBOlcjPLQ1O2JID81Q4ZQ7YusZxEgQ1hcJxs\/+h0mMUTbugUVTawpfGPnFnScLC7N5JRgxvtqwDgzclVZsIm\/TDYgftb9kVWCyaZdX+WSsp9kleWA0fwWr4yA4HpXX2Ec2GA2Y9MnsDSATEvjB+6nGxESBSCZCpE898W6rc5M+hw3N2eFF2eI4dXjDrnNkNlYW7rTIq3HVuGViHPwxSljyw5BgOFJpJ9VN4OBzjHFrobcB\/mbK6ZmrEi8sjJcdSG5lt4AOiFc5HYcUdV\/fGO5IwUKuNgJGEZWM2ZQ3Du3A\/+qcYARkGy\/tozaZfMChxOlSpFUKZII\/G4OmplGhAzOurewqY+od+dhottp01QV30DSDYuLUDr327UHJKuQMlrQEWfFNP1SG1krrKM7b6MV7txPCyLY+fnnR1V1FI7XSvXuRNVaSYaFNYXRoNcZU8GrXanxV+vNEEMkdjEoejxskUCPjnahadBnDtqsgAaVQeQztctsd3wX0JOIlGaaPxs0plniorTuHWtNepYk6plldY5fmpG4UhanL5SNC439PnX5Wrk+hflauo9K9KNWjnxoIl+dxaYp1ibizUIJrFtvfBPF2jMr4gMr69uZEamfGH8jncy2NhdhPBgUP9reEXeq7k27gL7udCTKpzXMFvizO7cU6ErbKBV1xTBeHaF+YGX5gbfPURBWrc6XVh79\/y8gj3Kf4Tv8rR7z0or7kBoeni4gLJAZdMuEmmkRnVCKMacYQ2gZe2\/tD\/cfQnzpjLhjPmqMbnMnGAekKXW+0c51s8Dk5Kn4TZ1hKlT8LouU\/CeTuB9Oc+CbN2UhNZo3KIseqkMXMzckbPySM9753Aln88mimrRzozz+isfSI0PKBZ590zQa1m3Ud4mhtnZGw81m8MycqKiZMYp5TXr5sHvgke+Cbc0+Z67XDjnMzA2RrNttckkhXi1sbuCQWCQTeb7WppXaUI5RM+2bNfrIewO52Udqczbnc6Ke1OZ2t2p6BqFnogjzTmpif+I58BHzsDThTJSsWAHyt7EVqXyGNN9SrUqxPyyNWrXxqQzLphqHb1Vlb+rEp19+j\/MBWhRj6bS54vfyd4B7iJfiPnTn5ZCMj+lJO0u\/9KRoK19xoS0h3YIQr5aKnk2Z+JR2klHQnJyNskGFVUCrttMu8TzrxHz5j3mbI6kc8q5o3vv2DeTsW82RbmzZkKTrbBtpd\/wI5x4f6Az05+V04snz+URw3uNtrG3Ua\/5W6FUxBYfJ+zMWVVZ0\/3a+yp6UwwohpcOxXcuts3R4fFi3lNR2RU+uq4NLZGNjmHn45ukxmNrWubMPjpcLvX+dHDC0rZ0QO\/43coz7qu0pYfuudKT2bdc6XjKqslfbHMS\/\/vZTXQvxpXHodqKO5eNy5Lx8Xt9vXU69qd3VghLs4Qrrq7h7HpFg4S5\/QBbvQ6meXaZKgG4chybcVcWq5N4SaJOeJPui2u3FqVdwuQe3a4b5beFg42Bg5RlgtXnlm7D402EtCraSZunQOFwYsi+TV0M6tYzpIsjREZs4VxTWInqzluJcLqR6+txCZR3b0qKryk0KuNu7MVg01p30wP9b6Z4gJGhd9UZqVQNIVx5VHDh7tyEBv6Ye0adYLn2SvealcnHo3aUdlRSDUzPIzNsIBKQJdWaHcTMqEjeMjIlAbtoDNpT1DOPvQQO+4ZNnxthbZSebnlHp2aKQ1L\/EjFAeAdo6vX\/VvjK7k9N4aMDJYZS40JIx5zb9ElzcXnMxYEqfGeEc8f+VlqfGJkMjW+MZKEI+MdI27gTGMjZSSdTY03jEydCfuYRD+MKSPs58wJzp0kG8MdVGjpEi7LGX8xEmeX4UfweLtnJPRd9n5qXLHcXHcHH1JL3P7bLa77uTsSx6UHaqn9PaLuEDDQqbtE3d0jKvzbI+o+Uff3iPqKqK\/2ijt7K7W\/Z0jTKGGtbOyELaf1c+YkeGVRbWSMnWAoQc16YjZOGCtqpFItesdSLr29WrHFbLyAVVSTOtWpICN9OBSMhi2g8LWDl5HMiEMaeJFVvjXqnpERDzzhQ8QSjiGMY4jHt4KGhDk5LEOBWJ6de1ZiU+5xFVDLEzEAlGoHTqhmTgCpJwWyTWlZjNzVSFujT3BfAjRr+lWdUI2c1e5nP4J95NAprSOipmM92hCugtIQ36PjyMK0vm0XTod43qKsTjpUN7EzLKDbNrgOnXWoLpyoTvhRae\/kKFVWUyu0qW7eUXFYI8zF3OsKtkHAQVVOsHRmrJ3yXRcrwcER1elVSnUzPUyKCaWlO3u90DqgEiu1rdA+fpFYaVeHx+LeD18WjUxqMANfpGkFs2kJs2kDZtlxZmHac5gFAmaiOywlADcRgBMoY4VkQgLw94wEYEqARLUAKQAQPtgEUDAjEUlJOeWMamZ2yMyshosWmLmjRE6pZqbVZBBesJQpzMUuSHhqI50VGXojQ7O5rSyk+vPeBFrzcURUM6NDZkaQIxa6qyt5YGU21UyO7FZmi0Atk0aMlimdcKu9uHjDG\/OsqV2MPSo6vKOQbEXIngPrDl0O4ZcG1tTu6OaE930HKm3CnwPl+RDDSk8LSWBFxb2hxgyf1cJ1zaB73Oj8kYYdXRD1E1ihs41rw3dkvy1ukbezHjNP+PjK++mPSjuEMBZntXS4HC\/SS9PnDdXMm8P+rmbeFE3fQs8\/t\/Z8SjVyTzXyXuD6+qyA2q37aV5QMUHygeo9+aJ9oZC39MTK7O4JpH6nZ\/B8Bs+va1f+37bfdr63vytPTzrr7punHfqhLUONzkX7be+1Yt5jyhlP+Q4p7zv0Q37LZ33ae6+YP\/nzfe+9kp\/QW\/OM\/sQx\/UM3Xf45Ucicbrrnc6KQq401zhTyaWONM66WfNsIyW9if8kIhH\/qpkLW3Sfz7j8KkREoV+t5n7pXil3u72\/V\/j7\/JcGDDczqlI5zqhQrkJB6lldIurpNghol46yFcc7iD+XQmticOpX0JoANWlIcLh6u4sSQPjojdutA9IKBa0inLJszFoYsTSWSMMcdG9It\/Ei5GTMId7AES0\/aDVk2j5KJZNPVNPLqvuDl7WSmhpHHUjFmklCmeixOOVUzC2JOwib4nQZ50+CsuGC6FZ1L1uhcIsgZ0OOQv2n4ljcIV6OHYBMBbTaMZKdorQw+IDpTODVKGiS2yOMkYrKx40ljQjVOxFkQp3yWTUoCQx7hzw21phtaOymnUZASTTEfK6J8Zk2BUz\/CTxE666ZBkW\/pTUmR73jF2zoVDazb57T5J4VkQZsfrZ9IJG947Z+KCSn00bq1O3ouClAqEpTVmfXT7tAz69Y2T6yfdtGnIKynG6F2WkKNz+GuMYd7eqfGUdzgKSfW\/fNxv6eQDOM+td7jIN7bvTPr3m7LeufUure5c+YLSqfKamLd2x0KqWJoFxuHdsGHpvecakk\/ULjaiTc7Rc9vN9Z9y+uq+l5Ru5GNGJjZ5Vzrq5I1Z\/fWCjgJtzvgC9q+sDK7VytVuCqVLThFvahew8nz\/IK+xel+p+cy0Ct1TyGvNw7\/NR\/+SOZkraRPSoOCN8nuBLhFYYlJDUZCwyFAGYyEwB4bGR6JZhk8hECUJmTghsZEnTpxpbLMq\/s9vX9yhcSJcSEI1nf+exPN4XFiqHsd6UnqMDVbxixtNlNdOAI5VlF\/RH4oS0RSSMqyLGDGaxJHqeHC\/NCSwxI8ry2JXSWvOerQ8YN6xCURRIRnQPAcR83GSUPXKItk40Tp6RqEAXD4QOHKDEnrLMKjmukdMjUVMxGr78FCpHwhIqvMtjykS+XdIiHcjWSmhkSQYtCCUoUEldk9LJeQOGqasVqoqCqrGjaUUBQh8oVWYIuAAxpSr3LkoKqcHfJOi2GfCfxOLZ5unaGIrazuhFQ9qWUIqXrKpeqm1sPUkCs8JyXVM5vSUzFyLkIhg7yxrUd0G3u06U15W4STwwzxJa0hAwpbYKpTk8kLSm+VFTzRWxNsXxzX6HkdsADWcpinVDNPq5CJpwVFuF9fjAfr1Ib1eE\/vrfsar7+o8XpOWGDOH8Rk3lsfbGV1gaARspSFLZVSiUYuuroi5Pu31BEXmKQ4kUx0VKSroZGQbJwYGYlCIyWuEZKJEZA0MyYk8MNJakyJ42aA\/HfEyYwTMh8vjev6+EMYesrC1PhJoAPjLUnH0dyI8pw8+GyeGqtR4sTjxu4hlYmoGO2OplWhyhKytw+hQqLmtU71oK+QlO7uEw\/kDBJSSSIBmZicnTI1jtZ2+l+lsp52drTOXxBoS866\/Xba3dcUgkm63ZYjeLVz0Mg50EHQCg49MwBw33Xo1ApgY\/U8oQUgABGi4NowcKVjpgLBaqYjmkBWgS9bRtf6q34mzdQQaKliQNCQrTXaXm83r51undUyd9W9TiWu1zDixPrLVpS2riOaCgmysUEnlSojNuIEN8ELPrMotB75hm1oEjd0aj2i7+QtPoHv5E96C8f4N2DpO6W3cHh\/A2cV9zVN4mf7Z+e0fQq8gbynP3v35IKe9u55FAl6Jj9i4Jo+eYvPEK9mj3ynFrTZed\/+QKDBzkX7A+gnFnb3vv2WYF8X7bfcLFVpFPKuRu7bqr4P2gSGSei85sf83Yv2P+QK0nRIw6P+zvv2P9jAJwqlunPyjUJW94r8W5vCp\/anzrf2N5yCw+in3r\/kHf3W+7e42SgwIuNQOdLMsEPBYMUCWRpJZMWt5FPJkAIeTgzfJ5IhMakzEa+uZAw54IuEWSYZCTvmxxzckZoUzYI5ttEy80ZMIp4hXdeNZRgnQufRfuqpOk\/9p546f17wCpMa5rfXG1t8zVvMlc7WATrgdvZ8hL9sryNdrZftOqz9qvuuvaPuba7Wfdd+1XFYWWBzC53ftNCttfBNyhVO9BskA63vtcUPbBIyeiYHCvlREJMjercdGUCLGhXYMJx0J2wpUg2pE9SwJJQ6taV3\/cSF8HNrLUkVHjGgTP1jDELHX\/RjHpjO4JHisGCaORmrCoMsw7yqvMdGieNBihRNJOIuajczxOyIrhB3uZ6OK0eSWnLImrgBrgPN8eO1Y4ls6KMj\/zgOWWff6Iasu69A0xt67OxCBjbcdUJ3HCWS8eNYSjMnyWBzhJ4kAJi6MkhSqMHyHpTKhgkl0oeRDJpsSFbc+4CPzZBuuGbcApYnzM+t1F9kjEEE5DCDcK8txPK0hYdsrWESTVuOyGxlEVYRb37W8hg4MaStKDRbcB1zlrSAr6a8ZVidljPMWMKrjaOUhS1YpVnCzBbwH1Fc6sysiinZFUJh3GvJkJA7S+DHlPlTvOe6QauXJJKYToe+PAz8Fkc9KmWa9BIuBkHjE4zJ97IliFNCOWF6aYgkL4L7szxN6bw8OkxjJ2y5gZOmVAoX3XTYzYJuKB1ph\/\/pQd7RYXx0OJhlGThugLezxF+kZ5VcqVXbJJTvkZcdPq5h56XIdimi\/NHLzvOlFmVtHibt8D893tcRQjRVW\/djP235AvYuC53Ej16mLcQgPxzxFSWtMMpaTmsYJcx10kw9\/E8vPjr8Ty\/wjyQUKnh0Yt7ZfFxEsebBirk4VObxk7Osyf3TgsG\/\/D9BJoWdUwMLbv6NcIGSz4FymE6dIDiSOilsLjxtgee+jaVEZqVWtSTlOeq87MhJR1c6LyX+RKmY+2QTEiUd\/XAtu45QBZKFbJH9EZIVvUs1ZJM6UUfOardnjqWWn0qG1HISJgGnK4ie0ZI6S4H3oMEVIFir7WdQOxszPxHVYUez0PVZCm22wBOtgST5MzABbeJvLPTE1LZOq1XzhyrK\/mdx+qo2yXK\/Vuh3LN0DBXFS1\/GAskRxarTYA0uWrSgbs6SgSRPG4rTFwmg2GreA1gHi1+ekAhmMmpXcJEpTxjcOXOA08EnQKdg\/y7QFgqTjh8xTJb4i1aYpsD0K1qcrJovkl0pnfPSkBZppa7DEX1hmBxuMAB9RSfEz\/8HPlluUEUEnWbimRXjVkR8wNnAiBV0hqilowpCrhqUNUQj9VmofFY+RrawimuZ1jgIEV16FzpQZEvQskXnlYdo\/aCpFfVCKxkZf08jUsPr7RN8nuxrZ2bXJwlh5Bj+ufbVnk8x3J6l4F0lDoy8ieEh3Y8C\/aNjESfSMzMkSW9K4GlK2pJE9okNwc2hI8sNMKho74+ythXNkwEszH4wo0ttozhceMqA3p1x5J2uBbWYD\/S03CrC+Em8kAoE8WWpYq4khJUXfG1sgrsGD7gIS8IjMcZYaWW6TqZNMIAoethKCxLkwyn0M9VACF\/O6nQWsBYVym4yRwouK7ixpVlwamVVTsmo6a0Ulump\/T+mp2p6ioBQkBpnbwHmnsyDz4wBCwm8wqIs5NnEyJEGp7gW5shYgpZ5baZ9WAJd3y7fQfnoCFZMnx4kV2tCQCGO\/D8EqJanEcGEBLJhWefAUUcfKbJI2zRoRqcBTaI4K8ej6LMpD2vVjDTXceLBRzRiPrcVoDvvl2QE6gecJENLf8Ejwb50F2WYeGZUMckKl6YwnvOzIUcmohpsYFcR\/ec53RE\/dTDo6HGxktFGNy\/LqR7A\/yqWKYF+IDVaSc\/HLNZQ0dpKJ7DU4tZQXBNTzH56PBzFOzDKk0j4QzATre\/4DUEwk4k7QJJgFXlp2ESZ8zdJbDRtNvk38gXWtoU6pH2W26YggQhO2LBUdNExlFcyJi84yq9BYZbXdn+G+T+dGVNNtonXVJiceVBOBpRke7YyszFZI+mBUrzmJGsW4VboqV77nZAAFa94nYAKCzdAXRQcuFovXi8Vw7tqG7VKUxJScJI2ey+Uv+66l5CTlQADAOADBQ+1Y+hCzxAGZVKrnoHAuXYAwS1qF3nMHvFLq1IrxPurt\/f13PSEnAycxVvCnMZQe0k6IJu6mD5uHn0MgKGeNSqWk5KwtT8WlVRM1feimtZenpyIrrmfBS156gAFwMwgCUrDSCnWbfAqTWk7otdJlmrGp71bsCX+54CIRGKlhAasBJuhGwWwaIv1H7FxjflJOeIZXZrxGJuaEWSqRcDbl95tFqWitFLC656UGZanG+ex6sbgsVh3qrpdJKqaGFslnBdKywCUwXT8t1ZwN43Kq5iTECOSxCDB+N8omoOcaTg6HJ5PY38TWNJJQjWT18wLhsqCGpdNCSR4im99nd4AJVMIVJ41HtbfEhktOUXVaUAhm0JC7wbFIW\/crUsPSs0jU4v5FyspDDpSVrjzgVVFjQCIj4wyIy4scYs5w+ExacoZD5uIHAx6cYMaKXeMoZBb6mSFxjYKbgkkYZQyaAX1\/u9w05PvbybgYXGztCUHeYGT892yWiD09KVc\/Y3GFAUAX0tYszPwADBGoEayNsglOGCEftGiID5fL+89UJSFl8p7xkKHs+QreWuiBnMzi58Dh7WCdBpgEicKDCtF5Q7CFgJQtbsJqRUmpxxV7vRhMFlV76TpKs4pEFESBj6aCf4J8R0wXuXPaavDtBPVj0IgAoh6aa\/yUi7Q5cJpZtnFzrH3QCJAyWd8TSX1PFH65uARdtKEVq3zcpPQTWGHgAHghoBs9SMYvEaoFKuQaRpUa7zNE6Ei8vASqVw3JJRCB+bDq+EAkuGASdqGnLeMoisAmaiJCmkGopax+cSCrjnYBOHlxNl12xDF0Kx7nOcmcCXPmznKjKM7pwXo1kIS0bYIOOhdmYq2S2lpJl8Pfb2YJJLJWnRgUCFWYFdGUUAC6NfchIta2pcHZt+ZjFlaWR7EbUqy60bLhZ+lzRVGVcvIjjcIGmIrjfcE7jBXfdFsWFglEaUrmw9rUfzHUl+lmG4oEZ5gsHUeBV1PKgExAmITUqM7O19EFdf9STRLnWwloQQ0txali5EO0VYVrliURLey7WzS1WidcOEGnevgkGLSGXwWDry4Qr5QYSmE0KVLTD2EleSY2GVQSQXEsz4XPxFaz6ALFTLj1GjsjljjhpCjEZc8EZU+lUZJ7UTRIF0Ezs2FJUSlUksryT4pDAduqkSQYMC9wkt1VUHIgL88Vcaosjhw3A3lVLHJdwneEJZLESfTgeyxp5Ok8Dxa5Wm0LoIq6do2jGOUyY+5xOXSHn87xk7QcwuWgSckottHWJUVcSIjAdKdZEN3NaxSpf7ym8\/H+lF8RslwpYfq75vX\/qvkc5bQo5Nc\/n9nGwCUWbpHBgTaeJYkk33tBMWyCsnLguhkPoeBwVfDaSSZw9QpyMhm5kgRhBvFriyIRiX7xWR5oTym+i+GoLFgPjMYvtJWX9\/kr5Y1AOAOQxkAIQx5dfD0IWwWPbBKFZ2MnHG3z4nneX9VTAPhG+RxET7D8my6jYudTZyGRbRwGQO2D6LLZBJn8r4aBE\/6zYXDPJjzRynMydeKNgGiGkcu4hsaF4\/p3VwNqge2\/HRIw+7dDm0yo5fEUT6RMqfiU013hE119qq9yS4DPxpRe0PIETmADfiSvkPonAjGx+hTcpHpdb0GHFvSihdq3IU+oZp4c0t0D86QQ\/8\/oSW\/3gDxWHz+7U8hN9Sbr3TOlfaf0HsltlXqGKSZ3iLxpbxsjjqJzu3HQ\/BViE51uaQE6+lULkM9buC9a4FW0qgovAx9emAoPIb4OmRP25XtSC20F3\/9QeiGp5Z+Sn0ovrDyap\/VbymmhPm3xg7FS+3euMFZqP3d64ZaQFPlTb7fQ7ne2ubN4itL+uxB9RSAtY584iZtuCDe9ieukFSFcP\/ci9XfdtjHWA94grRswSGnC9BrxXl8AiaCbunzkFW5ovcfHtR7RWUQht7XLc+Rn83s63MHsZoODmaculvKNdYpMEX9FgKmf1Zdy7mGr\/Sy\/lMOvttwW1\/Mgl9xXQcxvi8t4tYyf9L7AjdtcEa7PjjqOsmP82+AZx6XzIOT4nmJ0daOrr13Laboi1RyjhSvSdM0V6W6DK9JJZVS84zydnNHJEdWO7\/gFn8kxTNaATHjDqZtpI9poyD+\/JQ95D+Ts+AT8NtUDQ4UP36a1IKRBWz471tU9Q+cR6sApM2XZlR+y1w5suZ12QHbacAuo6ENOrKkNrTTK2ciEG4HSBXoVMOIOJqBYlC4mE1r3VyBwt+wjkgUygbgq5K7hgXJCI3BAOfvzVaKUBtyoY5Q3l+94yLxUHbCRH4qbmKnqJK48BeyYQvcnnT0iTkI+XrYRZpsAzD+FqO7uNYGql8VlANsvO1rvpgrIiwM9DtWQjYw7lI5CFazBRig+y8YLy82+z477at\/Q1Z21Id8di2pGqKa7tQGanopGAyS1BEbWgdlPuefJCmOKGzxsO\/eQ1CFyGA8Rb9wd72uasadphMfcvqsZsPlpVJz4hq51xEFNW9e0jnx3vKcZEN4+zwlEAvg\/oUy4jjKAJJ19WGo57U6R5RQPHdnrTvGLP8XD4V37rpLc\/Wnhb+R7RkAyH0zfeBqIwEGzoGU1jKNr5vjAVmxiNQyj65Z4UQRNmS0f9FOuLUukcdTVkQoVWYLid+gzg4d+Vs1MTqTXlUZz8UyjCWzbLiw8XCgDVx3ojltyChNSdT1cBAonIxZt0o3FQeIf6Iq+ZySkBtHnGmOlTXJNraaHcUzbxp2T33PnZCt3TgR3Fuoc26LOrc\/E4SMd8Dm4xpBrYHDA09TJiDvLjHW9DHWUbbeRVKGs0dG2AmwRB44f0mv8KFT1Jaj1QAOb4p2lQ0l5epIkMqJvmSyFC9YdBeCFIHWWcIk\/hs9dIl8a8cAbG1oQ\/nSgMwfBwHEnZUQEvER7\/d9WFKE1vn8PFxf+f9U9j5PQbEed+0kBGfH1xGsVL3zJI3Inws3N+MfhGP8pIltwNaIeJ\/NaRTdwuNigrNnIksZhcuOah4u15HkVu++q+tovb9Ga2\/I5cVWcG7mCWDRKruD1zbWIOghiFQ4iyrA3MIg55Ym1VtxqiFdUM68O58UQrwr6+YkOt+poMC4qTWLfeNmZW1c2QKDzstDWPsG0EoZh5T+hw+Ek9k8jbylDWYWs8KsTRVhAjGoNbaDVnvf97bd9c1P\/pt6\/1Xr\/Rqoj46oPsnJniVG9n80S8G0tBwJU8EVxMQRai2aZDLMNDanskJRFG+FF03IZwOT9bBkgccsytPywNcfKAqviJMoisPCoYyf9MA8\/JmCfypaq6wSBPCdXSjG2KxxMYxyezNu6VvmlHmVVPDW6zwFUQzAqynNOH4FSSseA6waPShvJPLgMNlZYF6C54hkaxFWcQeh8HnwGAgK5ahTKkotlarEplZVXpkKoSV6MmzlqxYrhF+Ya3iN\/hh7JnMyw1z+fYWMua4MtxoFhizYO4y2PuV8+NgaxpTV0C9vY2hnkCCjCY9VaWdnZAo+TAhgndUjkYoXA5gLZ8Iu5w\/8llJDMrbxZYmiksVFL6HE7yXB7LDVJEd9pNRtBofi+mDpx8Zg4KX5Vphbz+EVYvkIoohkNjgPZJSEZkWtyrhhFpeN\/GSYX74iEivGVFYWRS2OiiEJUfQCDwXTjcETrwJ1BijznYe0ButcwTvGAgJwp+e\/YTsIcbykVUZKgVQGGP2ZXeT0qFj9UgVhLXNWeKauJXIt5PIMIZDNVBGCCb0n8WXe+B99lENFbitAcZXR63u0d1x7rnPdD+JpN4WsZxQrxABkoQIfOgz9ysgi+loGhnPwoRFaIHzmBzxqWtTa0CF4NYxbWby4CMa4K3l3cZTPPj5TVhkR5SIY8YQiKQj3YElfXz54jq1XABNh9F8Ojksf1YrUwqgg9FkMxuHVX+3TwfIs0MkVhds63y9Wvm4ay9QCtn6hmfjq8KnjyJ+DJV9Yne5MNNE5YmoJUjwU2ynV8LKDkzouLNBKuuvRnG\/8ZgXNVNvUzWeJzxDvyxrz+sYWfgl4BhYnij4GzBF5VPMtKfkPXHQnB9fOxup85V9ZFlMeGiOIP5StK6Y2yekRG\/hwwIsCvRLgpWVh4sPSzCF6NCpx3Ac8XJ7JZqZvddHRhvP9EH62bbfBOWSZkaQy\/8ElN4wDgZUrwefXk3HHHNSlQnLv6jMKXPXhJKgKhs0b4fkzh9hy8zlEGcvDR4m26eOCAL8UhBJ91PcNPb5wbWVhAsDlFOcZfo5Eo6gvO8qnJt4ul+Zdq5r+H34ql+bcMwMV+IcIVJv6XnW\/Wv7YQ3fgQIYE4rDTQsDUIN83+imIU0wTJr7xIXh8p\/y7kLxYrDpylBAeD9N3x9jE7cAiDRe0ybRjhJN7xGZQR\/BJ2nGwcd7FVlRdUeFIWEXwSxgPWi+9YMvarAeP3pDh+MIE7IaOMlTEcJEMCePIQjIyVrq4hU0j5GrIO3BYazXygDQWaPAvbWOTzT\/1sgU86FPBJ2AOAgvz1u5JwhaGQ2H\/Al3o8P+Uft7oBJ75805dyIKeiEOgDyD2n2QIEY7yThFeUFplUkih+IsdPL2+Kb47D9WCpTq9OgV5xUjPfBHUIPShBpJVn0\/LEUR2UAGS44shAvtFPx59UmKaIH3vnDwI\/HJVYgnpK5scXUSLPibAefapPWJiRhFnmWz0r5+rK2XEBjyOtHgzq\/vfsptsMCQ7hdN4fFteyzfewj++t9xuCgV9sbFsIf7ETskDE+P1A5S12hi6nq6jdcjqpFHSvJT0\/xK1FQ1j3WCiz1vXDl505LkQ96kE52bcUvkB+UUz2reAnLy6st\/Z2qZZYjeHbUkf+cAwXJz+AO7SirLD6ZslrUX00ZKsQ+SOtonkOt0d9r8+9wNiMB7HHkIFpdryesC5pkPpetIkqLpsgjpf4+eKq\/k2tK1BCt0oWyupWvvql7FG35mxrC6PtF8aHbc2VIfk\/oTUf9vpxkzAUG+FWljhhqIxAP+WbTr0iHM1UQzuVr0AhvRV8X1LMnxCRhccK2Yb0JeBK7HpNNfP14fcCu14Ddn23Xq+jRhLBdY\/CX18xNxTJnAGSdIlIWlHiFx9IWNMV52CmgLme4\/eZuDxfJrYkZTV\/\/g2TU3ne\/DICapZbeh4Es6Sh2bu16L5C7SzczJDaiWf6\/MyyKsjNCbwyOF5BRfjdWAkyqgpCN7iE+aZcByli7iorOGDclNMgJr8yijkUTT5+WrUSjvIpRNFdJVGUXTvJCExEO5oWL1r46VOlDOQ7FBxWhAOfykUMmabKI8RsDNsLmp5Zzep6ljnPZ7SeKv9T9flAVk6BTCl3Xi7fL5DGGpZgb9CfZAtjHO9vCjrsNfN8h0cFfpYsS3KcsCFL0i6e6XRTF6MNtzyw40nKJhImjEH\/1FRkIIhceSuCbZ033Tbqn8G+MFzisaFxTSBouDEiV5enxh2DD3bDN1qNZTNsaD0Ca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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-hero\" data-layout=\"console\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A04 \u00b7 HOME \u00b7 home<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Fintech Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Capital markets and investment \u00b7 Cyber and digital resilience \u00b7 Digital public infrastructure<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Fintech Nexus<\/h1><p class=\"nx-tagline\">Financial technology, digital platforms, innovation-related vulnerabilities and professional learning. Fintech Nexus is an established platform published by 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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><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><dl class=\"nx-facts\"><div><dt class=\"nx-eyebrow\">Publisher<\/dt><dd>The Global Risks Alliance<\/dd><\/div><div><dt class=\"nx-eyebrow\">Field<\/dt><dd>Capital markets and investment, Cyber and digital resilience, Digital public infrastructure<\/dd><\/div><div><dt class=\"nx-eyebrow\">Status<\/dt><dd>Established<\/dd><\/div><div><dt class=\"nx-eyebrow\">Service level<\/dt><dd>R0: information and enquiries<\/dd><\/div><\/dl><\/div><div data-lv-fill=\"console\" data-lv-id=\"payments\"><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 placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h2 class=\"nx-fk-title\">Fintech risk and operations<\/h2><p class=\"nx-fk-sub\">Fintech F1 \u00b7 Week 10<\/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=\"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\"><\/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><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Fintech Nexus \u00b7 Fintech risk and operations<\/strong><span>Fintech risk and operations, in outline: domain structure with placeholder names and illustrative values, not a record.<\/span><\/p><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief\"><span>01<\/span>Fintech Nexus in brief<\/a><a href=\"#nx-sec-spatial\"><span>02<\/span>Settlement dependencies, and what\u2026<\/a><a href=\"#nx-s-4-sec\"><span>03<\/span>The questions this field works on<\/a><a href=\"#nx-sec-frameworks\"><span>04<\/span>What the work is read against<\/a><a href=\"#nx-sec-areas\"><span>05<\/span>The areas of capital markets and\u2026<\/a><a href=\"#nx-sec-the-problem\"><span>06<\/span>Why digital finance creates new\u2026<\/a><a href=\"#nx-sec-what-the-platform-does\"><span>07<\/span>Shared understanding, without advice\u2026<\/a><a href=\"#nx-sec-topics-and-chapters\"><span>08<\/span>Ten topics and two chapters<\/a><\/div><\/nav> <div class=\"nx-signals\" role=\"group\" aria-label=\"Fintech Nexus in figures, from the registry\"><div class=\"nx-container\"><dl><div><dt class=\"nx-eyebrow\">STEM methods<\/dt><dd class=\"nx-metric\" data-count=\"true\">5<\/dd><dd class=\"nx-metric-note\">Canonical methods this field applies<\/dd><dd class=\"nx-sig-wrap\"><span class=\"nx-sig\" aria-hidden=\"true\"><\/span><\/dd><\/div><div><dt class=\"nx-eyebrow\">Topics<\/dt><dd class=\"nx-metric\" data-count=\"true\">9<\/dd><dd class=\"nx-metric-note\">Subject pages in the field<\/dd><dd class=\"nx-sig-wrap\"><span class=\"nx-sig\" aria-hidden=\"true\"><\/span><\/dd><\/div><div><dt class=\"nx-eyebrow\">Counterparts<\/dt><dd class=\"nx-metric\" data-count=\"true\">4<\/dd><dd class=\"nx-metric-note\">Platforms in shared fields at GCRI, GRF and GRA<\/dd><dd class=\"nx-sig-wrap\"><span class=\"nx-sig\" aria-hidden=\"true\"><\/span><\/dd><\/div><div><dt class=\"nx-eyebrow\">Report series<\/dt><dd class=\"nx-metric\" data-count=\"true\">2<\/dd><dd class=\"nx-metric-note\">Nexus Reports series it contributes to<\/dd><dd class=\"nx-sig-wrap\"><span class=\"nx-sig\" aria-hidden=\"true\"><\/span><\/dd><\/div><\/dl><\/div><\/div><section id=\"nx-sec-brief\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-2\"><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\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">Fintech Nexus in brief.<\/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'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><div class=\"nx-live-slot\" data-nxf-slot=\"signals\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A04\/home#signals\" data-nxf-title=\"Fintech Nexus signals\" data-nxf-height=\"520\" hidden><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"alerts\" data-nxf-kind=\"alerts\" data-nxf-resource=\"nexus:\/\/gra\/A04\/home#alerts\" data-nxf-title=\"Notices\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-sec-spatial\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><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\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Settlement dependencies, and what fails with a node.<\/h2><p class=\"nx-lede\">How a failure at one financial centre can spread through settlement links. Design links, not real dependencies.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"payments-network\" data-gl=\"sf:payments-network\" data-sf=\"payments-network\" data-sx-credit=\"Natural Earth (public domain) | design links, not real dependencies\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"timeline\" aria-label=\"Interactive map: sixteen financial centres joined by design dependency links. The panel chooses a centre to fail and steps the cascade.\" 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\"><figcaption class=\"nx-fk-cap\"><span>Sixteen financial centres, and how a failure at one spreads through settlement links.<\/span><span data-honesty=\"true\">Design links, not the real dependencies of any infrastructure.<\/span><\/figcaption><\/figure><\/div><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-4\"><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\">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 tokenization research without exchange or custody.<\/p><\/a><\/div><\/div><\/div><\/section><section id=\"nx-sec-frameworks\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-5\"><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\">Frameworks<\/span><\/div><h2 id=\"nx-s-5\" 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, operational risk and access standards for payment systems, 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-areas\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-6\"><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\">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'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 systems, 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 model risk.<\/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-the-problem\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-7\"><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\">The problem<\/span><\/div><h2 id=\"nx-s-7\" 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 systems; 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\" data-hue=\"finance\" aria-labelledby=\"nx-s-8\"><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\">What the platform does<\/span><\/div><h2 id=\"nx-s-8\" 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 that counsel reviews before membership opens.<\/p><\/div><\/div><\/section><section id=\"nx-sec-topics-and-chapters\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-9\"><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\">Topics and chapters<\/span><\/div><h2 id=\"nx-s-9\" 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-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-10\"><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\">Key terms<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Fintech<\/td><td data-label=\"Definition\">Technology-enabled innovation in financial services that can create new business models, applications, processes or products, as the FSB describes it.<\/td><\/tr><tr><td data-label=\"Term\">Instant payment<\/td><td data-label=\"Definition\">A payment settled to the payee within seconds, at any time of day, every day of the year.<\/td><\/tr><tr><td data-label=\"Term\">Tokenisation<\/td><td data-label=\"Definition\">Recording claims on money, securities or other assets as tokens on a programmable ledger.<\/td><\/tr><tr><td data-label=\"Term\">Regtech<\/td><td data-label=\"Definition\">Technology firms use to meet regulatory obligations, such as monitoring, screening and reporting.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-grounding\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-11\"><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\">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\" data-processing=\"true\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-12\"><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\">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 organized 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\"><span class=\"nx-cycle-rail nx-mt-3\" aria-hidden=\"true\"><\/span><ol class=\"nx-cycle\"><li><span class=\"nx-cycle-step\">Question<\/span><span class=\"nx-cycle-owner\">National, regional or institutional priority<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/programmes\/\">Question in Fintech Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Evidence<\/span><span class=\"nx-cycle-owner\">STEM foundation of the platform<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/\">Evidence in Fintech Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Build<\/span><span class=\"nx-cycle-owner\">Nexus Foundry<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/foundry\/\">Build in Fintech Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Organize<\/span><span class=\"nx-cycle-owner\">Nexus Ecosystem<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/community\/\">Organize in Fintech Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Test<\/span><span class=\"nx-cycle-owner\">Nexus Universe (independent site)<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/universe\/\">Test in Fintech Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Publish<\/span><span class=\"nx-cycle-owner\">Nexus Reports<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/reports\/\">Publish in Fintech Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Decide<\/span><span class=\"nx-cycle-owner\">Competent authorities and institutions, through Nexus Rails<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/trust\/\">Decide in Fintech Nexus<\/a><\/span><\/li><li><span class=\"nx-cycle-step\">Renew<\/span><span class=\"nx-cycle-owner\">Corrections and the next annual agenda<\/span><span class=\"nx-cycle-text\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/programmes\/\">Renew in Fintech Nexus<\/a><\/span><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-s-13-sec\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><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\">Canvas<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">The Nexus cycle on this platform.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Canvas<\/strong> \u00b7 the Nexus cycle on this platform<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a04-aml-t nx-dag-a04-aml-d\" data-nx-z=\"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\"><title id=\"nx-dag-a04-aml-t\">Fintech Nexus: from customer due diligence to suspicious activity report<\/title><desc id=\"nx-dag-a04-aml-d\">Customer due diligence sets a risk rating; transaction monitoring scenarios raise alerts; analysts triage and investigate; the MLRO decides whether to report to the financial intelligence unit; feedback tunes the scenarios. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig.<\/strong><span>The Nexus cycle on this platform, from question to renewal. Design, not a record of a run.<\/span><\/p><\/div><\/div><\/div><\/section><section id=\"nx-sec-consortium\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-14\"><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\">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\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/quantum\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/digital-public-infrastructure\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/ai-digital-governance\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><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\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-15\"><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\">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 Nexus 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 Nexus 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 Nexus 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\" data-hue=\"finance\" aria-labelledby=\"nx-s-16\"><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\">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\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/cyber\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/dpi\/\" target=\"_blank\" rel=\"noopener\"><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\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><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\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-17\"><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\">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 published by The Global Risks Alliance. The current service level is R0: information and enquiries. 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 <a class=\"nx-link\" href=\"mailto:contact@globalriskalliance.com?subject=Fintech%20Nexus%3A%20contribution\">contact@globalriskalliance.com<\/a>. 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 Nexus Reports series are listed on Publish in Nexus 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 placeholders 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 <a class=\"nx-link\" href=\"mailto:integrity@globalriskalliance.com?subject=Fintech%20Nexus%3A%20correction\">integrity@globalriskalliance.com<\/a>. 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><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-18\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-18\" class=\"nx-h3 nx-mt-2\">Around Fintech Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-19\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Fintech Nexus<\/span><h2 id=\"nx-close-19\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. 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=\"mailto:contact@globalriskalliance.com?subject=Fintech%20Nexus%3A%20Fintech%20Nexus\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><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><\/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. 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