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D\/zTqo\/7j09PJGwbapz9+enrdZgE\/1soiarLCUDxzO6As4antlUWRHVDbwoHuAfDeG1frpRPwJ2dsuJMTTZ6jVgEKEoxp52qV0tbPe+gDuXdh8cGgoChmpwWs3axyM6d2pkDvTp5TsYRWsHw72qtgef2sHH0v850DqkUUWRkbUgiosiUvZ8oWfA60o9ZfQ1cntzG8vCUdNyTjvFEyjlvERjgVt1XirmBAOQR\/nExEnPOikVs0Mp1daA1v7S8TKh8AQGbWUSu5VFveL5hZXmyuiKUL9xi8MHNH1jY3IW4jh\/HKUcCX5c6dMJ7oieJIBa3sXjGDZNSgtIzywcZBMt5JnSVdgGKjfMXGW7Ta3CFL2OTvbe6x8GRtc9\/UNjdwJ7W7IeJ0rMJMEHF6o7Y3RJzACATDr4w45WD6pcr0i1upMv1SZfqJVlqafhEHDtCGQFDdSe1tuaMm3OuH6GOeOJMwDjCq6WUCApt84sy7ifbntlmko+MHtcYykV5E6Gq7Hfaf8cg2WgfJY0x6rVKCT5w5dWtPtByxFMkRyygr5Qw8DWg34tk6qAzFgCX9UDlQAzAUg1cdp\/1TEbvag4ShGs1Dj5XSGn3QGocsdyKWOylzXp9QNue\/Wm0WsNx5YLkjIYSllME5+wUrtA6Y13TAvahfcL8Yll3zuVVMgH0qHgqT\/woXCTajfkFjM5+RHonFiLi1YoVkMkvA0xTGk2NCu8sXqTOPyFvqbsUrM\/JlWDf+Dk2mwz61rqmO4lTzbnUKU7UB1k\/uNZrzZo2mws\/8er1ZVdAc1C2btWw\/iePazPxqaosOxtHUBBbH+kHpC6iJf9Zq+GfQx5TpvI13uxnrv+fHx51j4hKicf4C\/epxbgBXwlawwOvWyT72N7P\/tMod1ICmXqTgnCslixa0MExSEY5ilQQEPlEYuGUpRLT8Sq3KnQf7xFj2mmL1+s2aHZ4G4fxgMY3ijJOxlDP36Ojx8dF5fO0k6eio8\/PPPx8txnIakQP0f3Lt\/nxUiDiDnCuv8vRiTlUQzs+IwYkhb2b59zjxoydFOvSiqMaOv2+G\/d8cl2H\/120j7H+CYf+TvxH2\/3VPjJ9FWL0rmM9UIL9bZEZ+z72tcG7SwMxzZBwYzs3Khw5lQx6ph2WHMr98aO\/0d8OAhiaQVBHdiaLKYcUJstbEYAR+a6g3f\/KXQ7j4hrfALGLSy1on7qRwaqiqpcq66fmt\/3KHEADf2Bj1DrbiCcmuiPAziRI\/0n0R42czKJoiyqipBKE3KnCzxcKgkihmlZcwUc2ionIgqnlYbmZUaLgLGGjhWIj2N1ornVvRlzTDl6Gp+UK0MhzsDlbNahGhrEXsuSlR5qWNXNd\/54bBlcTwnMS1AK2\/wHnOMXLmL3E+c4ibsdSd60hWxTIg2S74eywj8z0pRVpjGN+kmdtoeZhGCYzj5xMmymdMGmIp\/xgP4ZDEkuW8Vf6OcPdGvN2NquzECDBbpFGHsZUy2Y8GtJtXyk2uijD5jHOe0lXOU1sl7AaomDQkYbc6lB2zuPWGspD\/aqUsZ6L1mr2mlVLYBEmhfQUQsAktHHigpOCknKWfp5WSXw3oelDTVXpfUmYMZGWXJmxiYNa0VcFzAbOZl062QmYxhsyEDovpcJ+rCOelKbNxEgsVItxKLcg2sxQyj2BSQlYkJdiNr22mJGSRei3RbzRsnGwjzJsFRBF9YE0Kkoc12XSGqf1c4JZNILsDNsWx82Zt5rplsp5ybcUlFXfaYHg0ddxhkj67MiFqkhsLI2xycEL+H63LloiSqaecDGDFtTf90idglHYUpp9Te8MHQ9R5pf\/O7PfBEq9Sutm5gdqrmj4RiEh6GmeHp9nMi+uqz2QWtubkQEHAyaT4LWOu8INKkfbXKY0IOjkj4KbJ41D2dvWaF69CK\/NNSFewLW\/ni4EGIQhTlQbvOUGYPj2RYeRJAinxqn6UJAE0sDwHfxbhZL2MblkM8yjYN4k97ELpespg34INrGJPikYIZ2EUaQCwkQJRv4E9n4YHBp0VaDz9\/Sg8M5qCfxGzTjdGrxbysraQfhLl01hZ6lmSSi054LSCHAsvODuV6RlkwefIUVPe7qaVrZcWUjPCMwks4BH2UiGNuIcKbCwGtMa9WKW4RiAOe3G\/Mzhr94iX+SIOIELukkAYD7hD9B88uKAdf5FOh5la+hd1mxCbpWpRIieDxb4VkSfDuTjIwj9FDUtdYfPDUzk+yPxkJjh6TNWC+EmklgMhRhhsK3LifNo7VC3ifKoX5BCXOsDTE9YGMkL38PQhlxLOTy1hCPWgRwFYNY6Mkc4O7RCBVG3PNMhyfEbWcK4DfqdnWKJW6yEJlmfEWCzlaN1asUR7YOEoCXYkU2JbCa7J4YGhtyiAkgKggyLfgpM2OYCkDY6RML3KIhK+FAHXu+UQukziniYCP09TEUsTV2prJM6wHLUYcIiYLuqxk8IJWEM2wFbUTUpoq5eJRkfO2928ot3cdBHlAwYSHfyDWX8Ccx2wIc\/0gZqeztaAAD9JlEHZy9yVdLM1\/E+IMol8bg2d7LF3eBpuEOFjQUoKPmiFyNy5o9XMhk7qxZPylE8j54AWisRV622+M3EevLSXSWsIP8w0BixgQ8en7tABFvQXeJN64SWsaejUmSGW1Jyo0AKnm009OAR8in\/PiEIV\/NYdqGKYlibagMD89mxFPXtdC\/Ov1Q6dbG7gV89yXi7T3CDCoeM3NPar1r7ZHDiArzZrUNus1W+9VwsxKkFdqKMeiyoGgY+FaABdXjMjqXmh3mb4UDTTxpwJllBgQWfmsa5bQzIcngZRHZQAPBl7jyApnQvOCHXhgBF4Tc5OA4nLKNTJCfB8yLPTAJYNXAkGq0lyzfug3MA6uCLKhanID4rrs4KyTjFIcFY4WcqjSqoiMmf8Sds8uxWZHXL5JWTvmURfjXlRx3I4rw+Ih49TUbBWTQDby+qphbXJgTfywjiTcMTOeaiW+wz7rhj0mZodTmWsgdXVSgkAASLSQr2CJ6VIHBaTaOqgEpAe2dyAjb2fhjVOCBPx97NCc7ovhubhb0Lz8CJoHl4OzTMAqP6CcDi8UsnQ5G04HIpUxH5NPSmoeWsDmsLd3IVKuKuteNhMCmWBCYzaqE3z2p6JKPfGhBPfO7TjUouuK\/pqY\/6dTh\/2dXr8lzo9BF7ypuQlQcFH3jTwkdeDBtxvcBIsKrf1u0b3CXpjDPeJTEajSLCUH57mG\/w1EiNw552hinx4GoVN1S2p5h4r8KJQC8PyBCzqOHJLx4m4BB0n4IfPMK1Clwbl1U9yzB8t5V0Df8Q2pM7EsczdVGOnRY+bCorW5w9rOzFS+xAV7WzszURP\/4V81uw7KSUClBWv4EOxmNh1CnIIsGRbYHc1at91S1EsCajclVxSS6aJpTIT5xuKusIq2PiZUPZj5CTxlvWo8K1REtQ0+0bzpYDHipzh5F\/NurmuqlNxYGC5IpaChFMsyUEYYoqU5CuUNO6lZEHk3koGgs\/9JJmWR+6FZIoE3XeSicx3p2wIl5G475m+L8MVkg2n0v2TRWHs\/sqiZJS5UjLwgbueZOhCdn9hceiLa2\/hppKJyH1k2Xzk\/oOBf8n9J4Pgy2f4mUsGcUb3X9CbcM+hnzRzr+HguCfdO8nKuId7I5n2aLrfJUMnmvtNMvDZuJlkk1l4kQRL9wqbReJ9mkzdfyuV\/b95nywII0vCCHpCCCPKCUIY8aHGhypwpyw68N8xNIZfS\/gFMYTyhAdRAZSh5Eet3u\/Bq9+d3u+BbfVc0W\/ZA\/hNe0ejsFvyDF9uHxmlzhTvfRnK6pKInudMvZk+B0rd\/qBiO5\/NA6ydVnWdQ6t+ScrHGntqdzeu4qkuzBlKVuZVl+f7vX5s20WM3hLFiVaH0H5noA65lhfuCOfVUcigqDA5a0MZNyakr7ZunwB\/XM5eU6qvnWiuM93Wb186MVyT\/u8BG6iFeXU02jlTtmuWekqKpb4Hp3O5SqK83gNO+p62e1E1NINLiAh1IxPyZM\/qNwC7RQ4l8HFJAPoIcLw1Ml3XyWZcOkrh3oCSgvT9Rug1ZSlfrVkO\/0UsKLOtRkLeJom8SQLRqz1Z+rhCwsNe6MBtRnPxLhJTEUtVMUFbGgNn6oS5A8fxQHe1EkpXE55Ad+dSpuFDDoektP+SPj011mjuSNWp0AyjiCJd3qELIknPo8gifdXHQItIFRDIagEBlUGR9aPBjuGZz1dr4wqD\/65dYaBiRtuv\/zdcaoDndctbOfw+FA74fL1O+8MBV4cG4M2xl20OLGNC6SqHdtgEXIqXSSxFLNdruEomFumH++sr7mFyS3FQYAMJ1mG\/8otM7EMyOKRPTzsaVTJFt4Sel7hWSwf92XQFd13pB2s1S8VcxPLOT5MockGylddWfaSrtTp\/KZxUBLkvajS24MIJzCDLm+O2i0V4g82i1vgaro759PL1\/bS1vlf8Uz8asM\/8atcaz3ja\/4x5QjO62rfWYw6LyEabXY0pu+Oz\/hj7GJk3sdzVb2mBx1FxKtaHI5bsAv6OEN2XekDO+UVx29DKKKeraxVTWonIvWKedMfs3L1kF0zOIne0pt0rJ6vBxe4oXvWC0bX+54EBjUohvzJpi93wRGI7ys7h53cE66YC69wE68Z80L1\/34ARekfiYOfuDbtwzxHU7wiqMTKH1xHQIglLOCKWIjUOD9SnplYP26AYBsUKp\/nDdQmWQUa3kOtYRjuBQqHpLV3d8o9KC+JGTMj62LqlRwvK3vLP0rqvVOwPvN39cFqM0P1QEMY7ft3\/MGBfi+AjlH3h7e6X03dOedr0C7T+qrDzzjnvfxnY1jvnov9l0FKP9NVbjIO+UzGE1TtHRDUs3cMtS+8cQOFbaeEP9lUnpGHjGoreOZ5kxisfq1cUqu5P8eq177nI5HkcTiEqFb9PvamwVBrwjpoSkR82Qm6w5pKJ6YMI4G4f3PpuzNB54q7WLBOREgfjRMsFPLUHVX42VyWzeKR+ZPPRp1w3G0MqhUih5bo8tlbnY8TRXrNwBg5C0L9LIQmJrCsL7gBS3fSzAa89QfYJVSszpOuucMQ0lBvvKyfv1mvles95uzs\/9Us1AVYbOKbfnw+gV8Ubl8AboRgM\/2wGZe+Aj1qxeDy4zDOZTNUziRfucNIidsZWgZBeGLlD9pA\/PEQiUzsKVO8kE4FmvrURusL5bsBvXHNSx1qGs\/3uvaAt8FzVPBN13DCfroQKQQFmh90il2Lr\/UrYQB\/k0M60sCmQuOTt7vJ0XiBxiRusvxxsbH7T3iJMK1DYroHFzwmlnBdq1pCWcTtlllEtlPaDG4WBSJsgvubt7vXpooD4GiGW1qJ\/PWBDWl5asafvx7GI\/4\/u2q31fcXb3atKpF1B35\/6VwNHG\/D4u1k7gk4J\/YHzDJOkh8gacZ2AtC3ij714BAF68CS7GcNgrDtcU6Sdkdik\/lLRLZe5FN9DtyqFl8EPsEkeL6AI7QN+MUWYjHEIcspvJJXKfUuYr\/XFly+2YUHAeP84YugVLRSkotSRIoMDnEp92EUWQBNNhIy4V+ljQ5DXXVCbYgBhBxqNiFR1sniXWgd5CwZi3Qy1rHkpHsfSmrMhW5XsOshT1\/KVzyrIU4ZCtizBpzXtTizaHUlrTouMQLAVitxs\/oO+E\/YjtM4ETuLTA6ZApCxRxoBwELQ6neXIQdbqMla6Aq7Y1IdVfwt0aSdLpqIqLyd4MHfCrOojHq0pXD4GPKA7BCYM6bTClxbV5oli9Em3BDMVw1RkY8vHW37UHWhrtkqTRF576SiMXfK63Z4tDtqzBVlTJ1FAwmWe5ct8C2CYXsL7SS\/ptwe9rNcfgE3ke9KCApYpk0r9l7FhcT+hzuLOek1U0M8Gbubqu+\/g6kgrp3sFlNpheR+E1IAt+PNkBC2rDfDDsn6xCmjv5bPaB4bRv3D8CM6l\/wrOFvX+tdG+IHtrwZbWNVtQ3A7d6obhWwGR+4IGFHXUyyzjZuLCMjTGhL7KfOKsFVG4GEbjNeK4MwK68r3YF9GG3hNg8n2jSmSMCZZDRTCou6xgP7X1LkKRswYnRo1MSo1qYsC9y+JRptqA0NrRpWzrHI\/PMzgas8d6ZnPuF54Ol9B+W7l5lhxkfNTzOVe\/nCCcohhRT2Gg5tEtrLlxInXjcSKNxvBUa3yttPkuKvhZcW2UOYzaGku6usYdqkyXJV3hVBo4exJX6j\/qwdgwFdNkLhraon692N3dGHPUXtgfNMYOr3d3GITTl3cIjbHDhoWDYAahmPybPJLGAWtZGIQttxSddYV32QQs6mURYc2LruGXO4DXL8ORZsebzaLltZdOMj5BhRFg2iHNFK2VQ3LOs+ImjHJkU31T5KSJClvwYXGDODLLufqzCsKpm7EwcMtX1yi1ChVIQUVY1dAEJQy0GZLkqS9cyOrNQ0ia7QJdz3cK5zosjUCoPWapfbNjzxBca2vem5d1c12uPTOabeEbfF6bGcJnTgy62TchGc62pgP7sLyAvFAf00L1RPFpSKTi1gpfhb3wRDk5zWSaxCOMqxUVKjShy9UNchCt1C9AiH5D9fNrYc6lccJIhTmXg+5cZxwQ21oYiQU6nLSo5RQQnZagW+4LiWF7eL+evoDTWTSmG8xVcgcmGuDU4kQWuJhpNGARvjmDmIzhzZt3S\/SaLLMmwdgnnjrJcJgJ\/XxVPn\/A0EVXHUTK7M4b+9PZdeukl7U+tTpvXChhMz60O2\/Q1WVfnRU9qzdbJ3Q148PWVatzvE6dTC4j4ZQBDl67wsoQ6mVa7Qn7TKlNZgu2q36m6inRNHfebGOja\/kCXg7j0SVCeKsUNHzLyjTYX1ugzAwlKwp+a\/lwdpgNC6J+n6R\/bQQ259kzo89xTD20PXcwcnR0zOYwtALAnjsqjnR0rGEZh4G4NzcZ7q90Y0Oh6l\/xTquKL1Qawlw2fb1gQ1hUZsU0BF8yEy9o6S2IvqEy5eIs7jXnS5c3klK81x1ud6fUbUPUJH0Fd\/+XXyo4pjb5D9KVO02eGC7R0HzRo7S8ZWiP4iPH+fQBVJ9gf7thGEUDIzauTn1EtRMfERyYqcGGJdIb3XhTgR9zeBTppZcJC+WuzmnvQWjQhcBhrk6UqIxKuBQvqF2IF\/STTQkNEcRcG6G\/yMKQ+1V4k2u8dqn6ckEPdFtdgXy7cl+Oakm820jAYG6\/ljZmokIlj3gNeSNePx6wlAvHj5IMDFrtUyNwWbzYoUiqJKVi8dJe6nz7NpzcJaly3eFt8EjsUT8f0FUs4VaBfo73J+JfNKfUaY\/ibf1HexXIMIxAdyZ2PqhsItTV6971oPK8wygB+r5LtMUbzkrpyIskCEUGai+It3qUIuXnaeotjRvE8ciHvjhcySy8oKBhAcb9IhkJSDXirQ4LjCBSXr8HG5znQaOeDmnIQHoeHFjGRpDM8hFCjV18bNL\/klQSFu9Jq9Z63P4OdM41qozRafkpDpALSSorkydkSZFJG+oU2sjMp410XJxPepOmKWZzTANmYNFmexpon6JmPkM4o6x\/+8WtumF2491Yc9orVS0nws+xXKo0BkuX+5S6qu2S9lodd95aFnx28SrWN9OolUprK4W8WcTB5TiMAiuFIJ9BX2GNMZvU1TMfkHJcvIituqZMZWvHW4naOV7eb8X9tNmOg\/goKjUHRG9A\/MwInAftgUBx8yowXdy\/R8+AAUCPWvL8UGxSYfNOsRVlAxPQIeA9TEDZz4ohBs86+xATmHBT8\/hNeLs7qU6ATvDkVn9S9\/gVFgI1t\/hDjTOOdhg4eJEeIo7FELCBve9V93EX3\/kpDOP\/NXinWifRsE4CEKrfeMJN3x8U38rI+28GtdvAu1uSKdg6i5jwAOVTaZ2jd6oKxR3TVaRPmOmNAG6j8ibwBPgq0Gesw3GY2uXm6MJyczgbCek2bt4\/xivHM8KGbt5\/jQ+kp7iq3ia6S6iltAd\/XLOIzWSG2Q0lBssF+bKxJ2ZSeR\/jjRjdwY13gyfhT3ms7tat1gOeO4N19bWFTldUW0VoFopvqk8sqPwCPMldfv7nVFf24r5QXzlwY\/UJBs3sLa+lq9oDemTp5lUZfrymBEn3YVu6k1ZZBF\/dKRHRj41bhDtGCsZs60sz\/4YjR40Eu8hAgcv3tFhCi27dXtPcoNmdN+X6HlHtxYuAlrasen2ojXY34opG0hOrGQUPVgrfzVK321LNSHYBrY6lKqaCwPSDgT4S\/iDh00ETiPxnO99fDElxA0bUixqksFbXIPel3GzqrrBh7ZqwYd8fOCAfYkxl0XhQPB7qKiVPOVCTBgfqF3Dazgcs3viK2JIa7s2J3q7QUmVasj+tJcPHIVV\/\/QGtNKa8sHSDxM8hl8bxU+HJIrPm5s5quJHguN1uH+ExxhID3cXGAmJuW7upYlkq5NWhaziku3HZdq5OVy8p\/tvqBkLyr53jhgH0QUQ9WSAtU6QuimveryGPyIrZhLordBu4f1oxy3o1fpRR2svc8sHVmiBDsTJBv7EARxcYbXiHAd5ncE3XsoiBqbt0V0iKbsAWbmzmaL2vMa8XbqWYruKNOet9xMoNtZaFPWjRbjMwz+2ahbroyID2fwrtFoLLOpXrAM4GgDM7GR5cRMlDL3bBrICfFuj6K9BrXW9dWH3NdGYRDy2AL7dXukIFGL7cXlmCgs8iFUOed1MHrgmJEi+AD1Y5KZxXiJNkJmKRkm7hUICod+QtuVIwu+WQcB6mrl9B134U+uDZyoS8D6ciyaXpbQeIUjFPJgZEOS5DauxoMLJ37O+UrtfsTbtdsna0wlUcvfpWmnLaG98zrH84pJaPVykS24l6alX0\/oqNLyDGxhcQ4wKWoz5hv8cDHVsUtAcZ0aL+ccNDQg6Va0usqb4ZmBFa\/v49BuXw99jIVZ8YOlJ\/oL7ZAz\/AlJEfhBf09F\/lXWsrmyMruKiyHvOa9Zgqxpb345qO5sg0nFqUrj1Vn1YW\/jO6sTFStGWnBkWSjfruUgSjIog1lUCfEy0r+\/jtN4QjbDS1wM54egr3TSCgDZ8+iupHaqMkFpgRicfn8Wjttmh6RcAj4zXX6L2IZi\/cpAO+0okof7SKTGX9CDf9e2CpEkaSmeeHEn7Bu63qUbc16pNYtobeNIzKJzwUq38\/FlnQkYDMaribwAfTkZGZF8aylaRwZmSwcfQgbjh6MBISzK9ciuAO9r8VgxsAr4DZUIHTmgoc2Dzth+oTAhEsWPHlrl\/Ac2RBHbVJF92sUclUuGYr+D7RpS4UdckaPvG1wZqRJRHwFBTHYvUpfwduaPrFg8TVrRk0mEZPT5JuA0laeIrMm8EnH8EA6Hqb\/iC4Vwgkw24xTrde0gSg+UiiHJCvjul2yyKZvWyqCrCtijL+Tc0CLx2AKy4aISOddvs\/GqrL3Pod9Xo1kHhdPNupNiDcczQOpSA4xTDORCovBNzxZGXMc4Zhmknk55WGLh4Pvl5f3Yk09KLwT5FaFD9vgg\/3SelzrLbxYksjx9SDqTcS3dRJlFjbCC7nOwWm78VzLyO0m6vV4V4318jncTd3kKZiYDUWOQ4IdYLUe8TBrJS1WRslOXyEM0FZbX6\/U1gRhI8RKJGmpoMbKtH\/BbVZ6nNkbW4I\/cLC2Ytp1AUNApKvcjmErxTYIvaTQHy5\/QhEnsQAfu0jpPWjTRKyDBtVE6TwYTjKU1H7XO\/\/8Vp\/tls\/twZHo5CRlv4OFvpTgeWWzjg\/m\/fwf51LXrjkimw\/EW0m\/O3wcwqe9ibSSlU3a6UF\/o8V2wR6J+pSpSP8OQW5WjD18huvM\/CRKSNyFo9Ag5yBN8n4pidc\/lb0OUO2qHCMv0O6XlMzNJY3Qq\/TFVGhO1AbvVL5I55vcqLuQloRfnw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type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-mount\" 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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n1zzetmt.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n1zzetmt.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n1zzetmt.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n1zzetmt.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n1zzetmt.nxe :where(ul,ol){padding-left:20px}#nxe-n1zzetmt.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n1zzetmt.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n1zzetmt.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n1zzetmt.nxe svg{display:none}#nxe-n1zzetmt.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n1zzetmt.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n1zzetmt.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=\"dag\" 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 TOPIC \u00b7 ai-and-automation<\/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>Topic dossier \u00b7 Fintech Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">AI and automation<\/h1><p class=\"nx-tagline\">Banks, insurers, asset managers and payment firms use machine learning and, increasingly, generative models for credit scoring, fraud detection, trading, customer service, compliance and software development. Model risk is not new, but these systems are harder to explain, change faster, depend on a few model and cloud providers, and can fail together. This page sets out how AI-related risk develops in finance, how models are evaluated and governed, and who holds the decisions.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/contact\/\">Make an enquiry <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\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-canvas\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Systems<\/strong> \u00b7 around this subject<\/span><span class=\"nx-eyebrow\">Design, not a record<\/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=\"section\" 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\">AI and automation \u00b7 Fintech F1 \u00b7 Week 14<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/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\">700,316<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">3<\/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=\"M2,19.8L10.2,16.9L18.4,9.8L26.5,17.5L34.7,14.2L42.9,21.6L51.1,23L59.3,21L67.5,14.4L75.6,20L83.8,11.3L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,19.8L10.2,16.9L18.4,9.8L26.5,17.5L34.7,14.2L42.9,21.6L51.1,23L59.3,21L67.5,14.4L75.6,20L83.8,11.3L92,3\"\/><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\">99.54<\/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=\"M2,13.2L10.2,3.2L18.4,9L26.5,19.3L34.7,7.6L42.9,6.9L51.1,6.1L59.3,10.4L67.5,14.8L75.6,23L83.8,17.2L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,13.2L10.2,3.2L18.4,9L26.5,19.3L34.7,7.6L42.9,6.9L51.1,6.1L59.3,10.4L67.5,14.8L75.6,23L83.8,17.2L92,3\"\/><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\">6<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">4<\/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=\"M2,19.3L10.2,16.6L18.4,19.6L26.5,23L34.7,20.5L42.9,18.9L51.1,11.7L59.3,16.8L67.5,13.1L75.6,17.1L83.8,14.4L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,19.3L10.2,16.6L18.4,19.6L26.5,23L34.7,20.5L42.9,18.9L51.1,11.7L59.3,16.8L67.5,13.1L75.6,17.1L83.8,14.4L92,3\"\/><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\">295<\/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=\"M2,18L10.2,23L18.4,17.8L26.5,14.2L34.7,7.1L42.9,3L51.1,7.7L59.3,14.2L67.5,13.6L75.6,17.2L83.8,8.8L92,11.8L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,18L10.2,23L18.4,17.8L26.5,14.2L34.7,7.1L42.9,3L51.1,7.7L59.3,14.2L67.5,13.6L75.6,17.2L83.8,8.8L92,11.8\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"11.8\" 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||0:47.1;1:51.1;2:46.6;3:45.9;4:50.9;5:47.8;6:53.5;7:53.3;8:52.2;9:53.8;10:52.5;11:50.9;12:55;13:61;14:65.4;15:67.3;16:68.9;17:65.8;18:70;19:68.5;20:70.5;21:67.1;22:70.7;23:73.1~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=\"55\">55<\/td><td data-num=\"true\" data-sv=\"3\">3<\/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=\"51\">51<\/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=\"45\">45<\/td><td data-num=\"true\" data-sv=\"9\">9<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Review<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Fintech risk and operations: the screen's structure, terms and states for AI and automation.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Fig.<\/strong><span>Fintech risk and operations. Design wireframe with placeholder names and illustrative values, not a record or a live system.<\/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-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>From a satellite tile to an exposure\u2026<\/a><a href=\"#nx-sec-question\"><span>03<\/span>AI and automation: how the risk\u2026<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>05<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>06<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>07<\/span>Where the evidence comes from<\/a><a href=\"#nx-sec-decisions\"><span>08<\/span>Who decides, and what the evidence\u2026<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" 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\">The short answer.<\/h2><p class=\"nx-lede\">AI model risk is the potential for loss or harm when machine learning or generative models used in credit, fraud, trading, customer service and compliance are wrong, misused or drift. Model risk is an old problem; these systems are harder to explain, change after deployment and can make the same errors across many firms using common models.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" 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\">From a satellite tile to an exposure update.<\/h2><p class=\"nx-lede\">How satellite radar turns a flood into an exposure update. Synthetic scene; no real event or place.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"geoai-eo\" data-gl=\"sf:geoai-eo\" data-sf=\"geoai-eo\" data-sx-credit=\"synthetic scene and schematic model\" data-sx-src=\"Synthetic scene ~ illustrative, not data\" data-sf-learn-views=\"pipeline pr\" aria-label=\"Interactive figure: the four steps of a flood mapping workflow on a synthetic radar scene, from the tile to the detected flood and an update of affected buildings. The panel steps through or plays the sequence.\" data-nx-z=\"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\"><figcaption class=\"nx-fk-cap\"><span>How satellite radar maps a flood and updates the count of affected buildings.<\/span><span data-honesty=\"true\">Synthetic scene and schematic model; no real event or place.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A04\/topics\/ai-and-automation\/#map\" data-nxf-title=\"Fintech Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" 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\">The question<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">AI and automation: how the risk develops.<\/h2><p class=\"nx-lede\">Financial model and decision risk. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><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=\"M2 12s3-7 10-7 10 7 10 7-3 7-10 7-10-7-10-7Z\"\/><circle cx=\"12\" cy=\"12\" r=\"3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Opacity weakens challenge<\/h3><p class=\"nx-p nx-mt-1\">Complex models are hard to explain to the boards, validators and customers who must challenge them. When reasons cannot be given, errors and bias in credit or fraud decisions persist longer before anyone notices.<\/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=\"M22 12h-2.48a2 2 0 0 0-1.93 1.46l-2.35 8.36a.25.25 0 0 1-.48 0L9.24 2.18a.25.25 0 0 0-.48 0l-2.35 8.36A2 2 0 0 1 4.49 12H2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Drift after deployment<\/h3><p class=\"nx-p nx-mt-1\">Customer behaviour, fraud patterns and markets change after a model is trained. Performance degrades quietly unless monitoring compares live outcomes with validation results and triggers review.<\/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\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Common models, common errors<\/h3><p class=\"nx-p nx-mt-1\">Many firms use the same foundation models, data vendors and cloud platforms. Shared dependencies can produce correlated decisions in credit, trading or screening, and one provider outage can stop many firms at once.<\/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=\"8\" height=\"8\" x=\"3\" y=\"3\" rx=\"2\"\/><path d=\"M7 11v4a2 2 0 0 0 2 2h4\"\/><rect width=\"8\" height=\"8\" x=\"13\" y=\"13\" rx=\"2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Automation outruns control<\/h3><p class=\"nx-p nx-mt-1\">Agentic and automated workflows act without a human step. Errors, prompt injection or excessive permissions can move money, data or orders before anyone reviews them, so controls must sit inside the workflow.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" 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\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" 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\">Model drift<\/td><td data-label=\"Definition\">Decline in model performance as the data in use moves away from the training data.<\/td><\/tr><tr><td data-label=\"Term\">Challenger model<\/td><td data-label=\"Definition\">An alternative model run alongside a production model to test whether it performs better.<\/td><\/tr><tr><td data-label=\"Term\">Hallucination<\/td><td data-label=\"Definition\">A generative model output that is fluent but false or unsupported.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" 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\">Indicators<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Models in production by risk tier<\/td><td data-label=\"Unit\">count by tier<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Firm model inventories<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">High-risk models with independent validation<\/td><td data-label=\"Unit\">percent of high-risk models<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Model risk management reporting<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Model performance drift<\/td><td data-label=\"Unit\">change in discrimination or error rate against validation<\/td><td data-label=\"Cadence\">monthly<\/td><td data-label=\"Source type\">Firm model monitoring<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Disparity in approval or error rates across groups<\/td><td data-label=\"Unit\">ratio between groups<\/td><td data-label=\"Cadence\">per review<\/td><td data-label=\"Source type\">Fairness testing<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">AI-related incidents in financial services<\/td><td data-label=\"Unit\">count by type<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Incident databases and supervisory reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Concentration of model and cloud providers<\/td><td data-label=\"Unit\">share of firms relying on the largest providers<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Supervisory surveys<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Firms reporting AI use by business function<\/td><td data-label=\"Unit\">percent of surveyed firms<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Supervisory surveys<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A04\/topics\/ai-and-automation\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" 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\">Canvas<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 AI and automation as a run graph<\/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-topics-ai-and-automation-ai-t nx-dag-a04-topics-ai-and-automation-ai-d\" data-nx-z=\"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\"><title id=\"nx-dag-a04-topics-ai-and-automation-ai-t\">AI and automation: AI risk management, govern to manage<\/title><desc id=\"nx-dag-a04-topics-ai-and-automation-ai-d\">Governance sets roles and policies; the context and intended use are mapped; capability, safety, robustness and fairness are measured; risks are managed with mitigations and a deployment gate; incidents feed monitoring and the registry. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" 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\">Sources<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">Bank of England and FCA survey of AI in UK financial services<\/td><td data-label=\"What it gives\">Use cases, governance, third-party dependence and perceived risks reported by firms<\/td><td data-label=\"Licence class\">Free, terms per publisher<\/td><\/tr><tr><td data-label=\"Source\">FSB reports on AI in finance<\/td><td data-label=\"What it gives\">Financial stability assessment of AI adoption, concentration and vulnerabilities<\/td><td data-label=\"Licence class\">Free, attribution under FSB terms<\/td><\/tr><tr><td data-label=\"Source\">OECD AI Incidents and Hazards Monitor<\/td><td data-label=\"What it gives\">Reported AI incidents and hazards, filterable by sector<\/td><td data-label=\"Licence class\">Free, attribution under OECD terms<\/td><\/tr><tr><td data-label=\"Source\">AI Incident Database<\/td><td data-label=\"What it gives\">Curated reports of AI harms and failures<\/td><td data-label=\"Licence class\">Open, attribution<\/td><\/tr><tr><td data-label=\"Source\">EBA and ESMA risk assessment and supervisory reports<\/td><td data-label=\"What it gives\">Use of AI and machine learning by EU banks and investment firms<\/td><td data-label=\"Licence class\">Free, attribution under ESA terms<\/td><\/tr><tr><td data-label=\"Source\">IOSCO reports on AI in capital markets<\/td><td data-label=\"What it gives\">Use cases, risks and regulatory responses across securities markets<\/td><td data-label=\"Licence class\">Free, terms per publisher<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A04\/topics\/ai-and-automation\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" 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\">Decisions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Fintech Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Firms' boards and model risk committees<\/td><td data-label=\"The question\">Which AI uses to approve, at what risk tier, and with what human oversight<\/td><td data-label=\"Evidence this page serves\">Model inventories, validation coverage, drift and fairness monitoring<\/td><\/tr><tr><td data-label=\"Who decides\">Prudential and conduct supervisors<\/td><td data-label=\"The question\">Whether model risk management and customer outcomes meet supervisory expectations<\/td><td data-label=\"Evidence this page serves\">Evaluation guides, incident records, fairness testing practice<\/td><\/tr><tr><td data-label=\"Who decides\">Standard setters (FSB, BCBS, IOSCO)<\/td><td data-label=\"The question\">Whether existing principles cover AI-specific risks or need updating<\/td><td data-label=\"Evidence this page serves\">Concentration notes, cross-jurisdiction surveys, incident typologies<\/td><\/tr><tr><td data-label=\"Who decides\">Data protection and equality authorities<\/td><td data-label=\"The question\">Whether automated decisions respect rights to explanation and non-discrimination<\/td><td data-label=\"Evidence this page serves\">Fairness testing practice, explanation designs, complaint records<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Model evaluation guides for credit, fraud and customer-facing AI<\/li><li>Notes on concentration in foundation model and cloud providers<\/li><li>Governance question sets mapped to supervisory expectations<\/li><li>Research on generative AI failure modes in financial workflows<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" 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\">Core questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">The questions experts ask.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>Is the model fit for its purpose, and does it perform as expected on new data?<\/li><li>Can its decisions be explained to customers, supervisors and the firm's own management?<\/li><li>Does it treat different groups of customers fairly?<\/li><li>How does it behave in conditions not seen in training, such as a downturn?<\/li><li>What happens when many firms use similar models or data?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" 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\">Mechanisms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">How model risk arises.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Models simplify reality, and they can fail through errors in design, data or implementation, or through use outside the conditions they were built for. Machine-learning models can capture complex patterns, but they may also learn spurious correlations, degrade as conditions change and resist explanation. Credit models trained during benign periods may misjudge risk in a downturn. Bias in historical data can be reproduced in decisions about credit, pricing and fraud.<\/p><p class=\"nx-p\">Generative AI introduces new failure modes, such as fabricated outputs, sensitivity to prompts and vulnerability to manipulation, and agents that take actions raise questions about authority and control. Many firms rely on a small number of model providers, which creates concentration and third-party risk.<\/p><p class=\"nx-p\">At system level, similar models and data across firms can produce correlated behaviour, amplifying market moves or credit cycles. Supervisors and researchers are studying whether widespread AI use creates new channels of systemic risk.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"finance\" 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\">Methods and data<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Methods and their limits.<\/h2><\/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=\"M3.85 8.62a4 4 0 0 1 4.78-4.77 4 4 0 0 1 6.74 0 4 4 0 0 1 4.78 4.78 4 4 0 0 1 0 6.74 4 4 0 0 1-4.77 4.78 4 4 0 0 1-6.75 0 4 4 0 0 1-4.78-4.77 4 4 0 0 1 0-6.76Z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Validation<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Model validation<\/h3><p class=\"nx-p nx-mt-1\">Independent testing of conceptual soundness, performance and outcomes.<\/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\">Fairness<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Bias testing<\/h3><p class=\"nx-p nx-mt-1\">Testing outcomes across groups; definitions of fairness can conflict.<\/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=\"m8 11 2 2 4-4\"\/><circle cx=\"11\" cy=\"11\" r=\"8\"\/><path d=\"m21 21-4.3-4.3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Explainability<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Explanation methods<\/h3><p class=\"nx-p nx-mt-1\">Techniques that explain model outputs; explanations can be incomplete or misleading.<\/p><\/div><\/div><p class=\"nx-note nx-mt-3\">Limits: validation can only test against available data, explanation methods approximate rather than reveal model logic, and systemic effects are hard to observe until stress occurs.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods\" 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\">Methods<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Credit and fraud model evaluation \u00b7 Drift and challenger monitoring<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/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><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/ai-ml\/\" aria-label=\"Artificial intelligence and machine learning: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/cybersecurity\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Cybersecurity and cryptography<\/span><span class=\"nx-mledger-role\">Threat-led penetration testing \u00b7 Supply chain and dependency analysis<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/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><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/cybersecurity\/\" aria-label=\"Cybersecurity and cryptography: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/payments-technology\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Payment and financial market technology<\/span><span class=\"nx-mledger-role\">Dependency mapping of a payment chain \u00b7 Liquidity stress simulation<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/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><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/payments-technology\/\" aria-label=\"Payment and financial market technology: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/digital-identity\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Digital identity and public digital systems<\/span><span class=\"nx-mledger-role\">Assurance-level mapping \u00b7 Remote proofing attack testing \u00b7 Exclusion analysis<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/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><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/digital-identity\/\" aria-label=\"Digital identity and public digital systems: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Firms disclose little about their models, so most evidence comes from surveys and self-reported inventories. Incident databases rely on public reports and miss failures caught internally. Fairness metrics can conflict, and the choice among them is a policy judgement. Evaluation on historical data cannot anticipate every shift in behaviour or every adversarial use. Fintech Nexus does not validate, certify or deploy models; firms are accountable for their model use and supervisors oversee it.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"finance\" 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\">Questions<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Is AI model risk different from traditional model risk?<\/summary><div class=\"nx-answer\">The principles are the same: sound development, independent validation and ongoing monitoring. What changes is scale, opacity, speed of change and dependence on external providers, which stretch existing controls.<\/div><\/details><details><summary>What is model drift?<\/summary><div class=\"nx-answer\">A decline in performance after deployment because the data a model sees differ from the data it learned from. Fraud models drift quickly because fraudsters adapt to them.<\/div><\/details><details><summary>Can generative AI be used in regulated decisions?<\/summary><div class=\"nx-answer\">Firms remain accountable for outcomes whatever tool they use, subject to the rules of each jurisdiction. Supervisors expect governance, testing and explanation proportionate to a decision's effect on customers and markets.<\/div><\/details><details><summary>Does Fintech Nexus certify AI systems?<\/summary><div class=\"nx-answer\">No. It prepares shared understanding of evaluation and governance practice. Approval of models rests with firms' boards, and oversight with supervisors.<\/div><\/details><details><summary>Does GRA validate firms' models?<\/summary><div class=\"nx-answer\">No. GRA does not validate, rate or approve models. It studies model risk at industry level.<\/div><\/details><details><summary>Is AI banned in credit decisions?<\/summary><div class=\"nx-answer\">Rules vary by jurisdiction. Many require that decisions be explainable and non-discriminatory.<\/div><\/details><details><summary>How does this relate to Actuarial and Quantitative Risk?<\/summary><div class=\"nx-answer\">That GRA platform covers quantitative methods and their validation in depth; this topic focuses on AI and automation in digital finance.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-15\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-15\" 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\/topics\/payments-and-innovation\/\">Payments and innovation <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\/fintech-nexus\/topics\/open-finance\/\">Open finance <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\/fintech-nexus\/topics\/digital-assets-and-tokenization\/\">Digital assets and tokenisation <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\/fintech-nexus\/topics\/financial-identity\/\">Financial identity <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\/fintech-nexus\/topics\/fintech-operational-risk\/\">Fintech operational risk <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\/fintech-nexus\/topics\/regtech-and-supervision\/\">Regtech and supervision <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\/fintech-nexus\/\">Fintech Nexus 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\/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-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Fintech Nexus<\/span><h2 id=\"nx-close-16\" 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%20AI%20and%20automation\">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\/topics\/ai-and-automation\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/ai-and-automation\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Is AI model risk different from traditional model risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The principles are the same: sound development, independent validation and ongoing monitoring. What changes is scale, opacity, speed of change and dependence on external providers, which stretch existing controls.\"}},{\"@type\":\"Question\",\"name\":\"What is model drift?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A decline in performance after deployment because the data a model sees differ from the data it learned from. Fraud models drift quickly because fraudsters adapt to them.\"}},{\"@type\":\"Question\",\"name\":\"Can generative AI be used in regulated decisions?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Firms remain accountable for outcomes whatever tool they use, subject to the rules of each jurisdiction. Supervisors expect governance, testing and explanation proportionate to a decision's effect on customers and markets.\"}},{\"@type\":\"Question\",\"name\":\"Does Fintech Nexus certify AI systems?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. It prepares shared understanding of evaluation and governance practice. Approval of models rests with firms' boards, and oversight with supervisors.\"}},{\"@type\":\"Question\",\"name\":\"Does GRA validate firms' models?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. GRA does not validate, rate or approve models. It studies model risk at industry level.\"}},{\"@type\":\"Question\",\"name\":\"Is AI banned in credit decisions?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Rules vary by jurisdiction. Many require that decisions be explainable and non-discriminatory.\"}},{\"@type\":\"Question\",\"name\":\"How does this relate to Actuarial and Quantitative Risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"That GRA platform covers quantitative methods and their validation in depth; this topic focuses on AI and automation in digital finance.\"}}]},{\"@type\":\"DefinedTermSet\",\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/ai-and-automation\/#terms\",\"name\":\"Key terms: AI and automation\",\"inLanguage\":\"en\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/ai-and-automation\/#webpage\"},\"hasDefinedTerm\":[{\"@type\":\"DefinedTerm\",\"name\":\"Model drift\",\"description\":\"Decline in model performance as the data in use moves away from the training data.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/ai-and-automation\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Challenger model\",\"description\":\"An alternative model run alongside a production model to test whether it performs better.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/ai-and-automation\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Hallucination\",\"description\":\"A generative model output that is fluent but false or unsupported.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/ai-and-automation\/#terms\"}}]}]}<\/script>\n\n<!-- nx-rev:eddbfb1cdaaebbd8 -->\n<!-- nx-path:\/topics\/ai-and-automation\/ -->","protected":false},"excerpt":{"rendered":"<p>LightDarkAuto A04 \u00b7 TOPIC \u00b7 ai-and-automationGRA dossier \u00b7 service level R0 GRA\u00b7Fintech Nexus\u00b7Established Topic dossier \u00b7 Fintech Nexus AI and automation Banks, insurers, asset managers and payment firms use machine &hellip; <a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/ai-and-automation\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;AI and automation&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1812,"menu_order":712,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_buddyx_sub_header_visibility":"","_buddyx_sub_header_title_visibility":"","_hide_show_side_panel":"","_buddyxpro_page_sidebar":"","_buddyxpro_page_disable_header":"","_buddyxpro_page_disable_footer":"","_buddyxpro_page_content_width":"","_buddyxpro_page_header_style":"","_buddyxpro_page_color_mode":"","_buddyxpro_page_loader":"","inline_featured_image":false,"footnotes":""},"class_list":["post-1832","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/globalriskalliance.com\/fintech-nexus\/wp-json\/wp\/v2\/pages\/1832","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalriskalliance.com\/fintech-nexus\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/globalriskalliance.com\/fintech-nexus\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/fintech-nexus\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/fintech-nexus\/wp-json\/wp\/v2\/comments?post=1832"}],"version-history":[{"count":1,"href":"https:\/\/globalriskalliance.com\/fintech-nexus\/wp-json\/wp\/v2\/pages\/1832\/revisions"}],"predecessor-version":[{"id":1901,"href":"https:\/\/globalriskalliance.com\/fintech-nexus\/wp-json\/wp\/v2\/pages\/1832\/revisions\/1901"}],"up":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/fintech-nexus\/wp-json\/wp\/v2\/pages\/1812"}],"wp:attachment":[{"href":"https:\/\/globalriskalliance.com\/fintech-nexus\/wp-json\/wp\/v2\/media?parent=1832"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}