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var(--h-body); color: var(--h-muted); } .vpane { display: grid; grid-template-columns: repeat(var(--cols, 3), minmax(0, 1fr)); gap: 0 28px; min-width: 0; animation: nxh-in var(--h-base) var(--h-ease); } .vpane[hidden] { display: none; } @keyframes nxh-in { from { transform: translateY(4px); } to { transform: none; } } .rail.slim { padding: 0; background: none; border: 0; } .viz { height: 200px; margin: -6px 0 18px; } .viz canvas { display: block; width: 100%; height: 100%; } .p-body[data-rail=\"none\"] { grid-template-columns: repeat(var(--cols, 3), minmax(0, 1fr)); } .col { display: flex; flex-direction: column; gap: 26px; min-width: 0; } .g-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding-block-end: 10px; border-block-end: 1px solid var(--h-line); } .g-head .eyebrow { color: var(--h-text-2); } .g-head a.eyebrow:hover { color: var(--h-text); } .g-desc { font: 400 11.5px\/1.25 var(--h-body); color: var(--h-muted); display: -webkit-box; -webkit-box-orient: vertical; -webkit-line-clamp: 2; white-space: normal; overflow: hidden; min-width: 0; } .rows { margin-top: 6px; } .row { display: flex; align-items: center; gap: 12px; min-height: 44px; padding: 5px 8px; margin: 0 -8px; border-radius: 5px; transition: background-color var(--h-fast) var(--h-ease); } .row:hover, .row:focus-visible { background: var(--h-hover); } .row:focus-visible { outline-offset: -2px; } .row[aria-current] .r-t { color: var(--h-accent); } .itile { display: inline-flex; width: 32px; height: 32px; align-items: center; justify-content: center; border: 1px solid var(--h-line); border-radius: 5px; color: var(--h-text-2); flex: none; transition: border-color var(--h-fast) var(--h-ease), color var(--h-fast) var(--h-ease); } .row:hover .itile, .row:focus-visible .itile { border-color: var(--h-line-strong); color: var(--h-text); } .r-txt { display: block; min-width: 0; flex: 1; } .r-t { display: block; font: 500 13.5px\/1.2 var(--h-sans); letter-spacing: -0.005em; color: var(--h-text); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; } .r-d { display: -webkit-box; -webkit-box-orient: vertical; -webkit-line-clamp: 2; margin-top: 3px; font: 400 12px\/1.35 var(--h-body); color: var(--h-muted); white-space: normal; overflow: hidden; } .row .arrow { opacity: 0; color: var(--h-muted); transition: opacity var(--h-fast) var(--h-ease), transform var(--h-fast) var(--h-ease); } .row:hover .arrow, .row:focus-visible .arrow { opacity: 1; transform: translateX(2px); } .row.compact { min-height: 38px; padding-block: 3px; gap: 10px; } .row.compact .itile { width: 28px; height: 28px; } .row.compact .itile .ic { width: 15px; height: 15px; } .vpane .row.compact .r-t { font-weight: 450; color: var(--h-text-2); } .vpane .row.compact:hover .r-t, .vpane .row.compact:focus-visible .r-t { color: var(--h-text); } .rail { display: flex; flex-direction: column; padding: 20px; background: var(--h-elevated); border: 1px solid var(--h-line); border-radius: 5px; min-width: 0; } .feat { display: block; margin-top: 10px; border-radius: 5px; } .feat-t { display: flex; align-items: center; gap: 8px; margin-top: 0; font: 500 15px\/1.25 var(--h-sans); letter-spacing: -0.01em; color: var(--h-text); } .feat-d { display: block; margin-top: 4px; font: 400 12.5px\/1.45 var(--h-body); color: var(--h-muted); } .feat:hover .feat-t .arrow { transform: translateX(2px); } .acts { display: flex; flex-direction: column; gap: 8px; margin-top: 18px; } .btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; height: 40px; padding: 0 16px; border-radius: 5px; font: 500 13px\/1 var(--h-sans); white-space: nowrap; transition: background-color var(--h-fast) var(--h-ease), border-color var(--h-fast) var(--h-ease); } .btn.primary { background: var(--h-primary-bg); color: var(--h-primary-ink); } .btn.primary:hover { background: var(--h-primary-hover); } .btn.secondary { border: 1px solid var(--h-line-strong); color: var(--h-text); } .btn.secondary:hover { border-color: var(--h-text); background: var(--h-hover); } .pts { margin: 18px 0 0; border-block-start: 1px solid var(--h-line); } .pt { display: flex; flex-direction: column; gap: 5px; padding: 10px 0; border-block-end: 1px solid var(--h-line); } .pt-v { font: 400 12px\/1.45 var(--h-body); color: var(--h-text-2); } .p-foot { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 20px; padding: 12px 24px; border-block-start: 1px solid var(--h-line); } .p-foot a { font: 400 12.5px\/1 var(--h-sans); color: var(--h-muted); min-height: 24px; display: inline-flex; align-items: center; } .p-foot a:hover { color: var(--h-text); } .ctx { border-block-start: 1px solid var(--h-line); } .ctx .wrap { height: var(--h-ctx-h); gap: 16px; } .crumbs { display: flex; align-items: center; gap: 8px; flex: none; min-width: 0; font-size: 13px; } .crumbs li { display: flex; align-items: center; gap: 8px; min-width: 0; white-space: nowrap; } .crumbs li + li::before { content: \"\/\"; color: var(--h-muted); } .crumbs a { color: var(--h-muted); min-height: 24px; display: inline-flex; align-items: center; } .crumbs a:hover { color: var(--h-text); } .crumbs a[aria-current] { color: var(--h-text); font-weight: 500; } .vsep { width: 1px; height: 18px; background: var(--h-line-strong); flex: none; } .inl { display: flex; align-items: center; gap: 2px; min-width: 0; flex: 1; overflow-x: auto; scrollbar-width: none; } .inl::-webkit-scrollbar { display: none; } .inl a[hidden] { display: none; } .inl a { display: inline-flex; align-items: center; height: 32px; padding: 0 10px; border-radius: 5px; font-size: 13px; color: var(--h-text-2); white-space: nowrap; } .inl a:hover { background: var(--h-hover); color: var(--h-text); } .inl a[aria-current] { color: var(--h-text); font-weight: 500; box-shadow: inset 0 -2px 0 var(--h-accent); border-radius: 0; } .ctx .trig { height: 32px; font-size: 13px; flex: none; border: 1px solid var(--h-line-strong); } .ctx .trig[aria-expanded=\"true\"]::after { display: none; } .drawer { position: fixed; inset: var(--nxh-bottom, 56px) 0 0 0; z-index: 3; background: var(--h-canvas); color: var(--h-text-2); overflow-y: auto; overscroll-behavior: contain; padding: 8px 20px 40px; border-block-start: 1px solid var(--h-line); } .drawer[hidden] { display: none; } .d-sec { border-block-end: 1px solid var(--h-line); } .d-btn { display: flex; align-items: center; justify-content: space-between; gap: 12px; width: 100%; min-height: 56px; padding: 8px 0; text-align: start; } .d-btn .d-l { display: block; font: 500 16px\/1.2 var(--h-sans); color: var(--h-text); letter-spacing: -0.01em; } .d-btn .eyebrow { display: block; margin-top: 6px; white-space: normal; line-height: 1.45; } .d-btn[aria-expanded=\"true\"] .chev { transform: rotate(180deg); } .d-body { padding: 0 0 18px; } .d-body[hidden] { display: none; } .d-group + .d-group { margin-top: 18px; } .d-group .g-head { margin-bottom: 4px; } .d-acts { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-top: 16px; } .d-links { display: flex; flex-direction: column; padding: 12px 0; border-block-end: 1px solid var(--h-line); } .d-links a { display: flex; align-items: center; justify-content: space-between; min-height: 44px; font: 500 15px\/1.2 var(--h-sans); color: var(--h-text); } .d-net { padding: 18px 0 0; } .d-net ul { margin-top: 10px; display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; } .d-net a { display: flex; align-items: center; min-height: 40px; font-size: 14px; color: var(--h-text-2); } .d-net a[aria-current] { color: var(--h-text); font-weight: 500; box-shadow: inset 2px 0 0 var(--h-accent); padding-inline-start: 10px; } .d-net a[aria-current]:dir(rtl) { box-shadow: inset -2px 0 0 var(--h-accent); } .d-crumbs { padding: 14px 0 4px; } @media (max-width: 1279px) { .panel .r-d, .panel .g-desc { display: none; } .p-body { grid-template-columns: repeat(var(--cols, 3), minmax(0, 1fr)) 232px; gap: 0 24px; } .p-body.tabbed { grid-template-columns: 184px minmax(0, 1fr) 232px; } .vpane { gap: 0 24px; } .vt-d { display: none; } .row { min-height: 38px; } } @media (max-width: 1199px) { .nx-lang__label { display: none; } .nx-lang__code { display: inline; } .theme .tl { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); } .theme button { padding: 0 7px; } .end .contact { display: none; } } @media (max-width: 959px) { :host { --h-gutter: 16px; --h-bar-h: 56px; --h-ctx-h: 40px; } .net, .main, .end .contact, .end .acct { display: none; } .bar .wrap { justify-content: space-between; } .burger { display: inline-flex; } .ctx .inl, .ctx .vsep, .ctx .trig { display: none; } .crumbs { flex: 1; overflow: hidden; } .crumbs li:not(:first-child):not(:last-child) { display: none; } .crumbs li:last-child { overflow: hidden; } .crumbs li:last-child a { overflow: hidden; text-overflow: ellipsis; display: block; line-height: 24px; } } @media (prefers-reduced-motion: reduce) { *, *::before, *::after { transition: none !important; animation: none !important; } } .f { position: relative; background: var(--h-elevated); color: var(--h-text); border-top: 1px solid var(--h-line); font: 400 14px\/1.5 var(--h-body); -webkit-font-smoothing: antialiased; } .f::before { content: \"\"; position: absolute; left: 0; right: 0; top: -1px; height: 2px; background: var(--h-rule); } .f-wrap { max-width: var(--h-max); margin: 0 auto; padding: 44px var(--h-gutter) 24px; } .f-head { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: end; gap: 16px 40px; padding-bottom: 32px; } .f-id { min-width: 0; } .f-site { font: 500 22px\/1.25 var(--h-sans); letter-spacing: -0.015em; color: var(--h-text); text-decoration: none; } .f-site:hover { text-decoration: underline; text-underline-offset: 3px; } .f-role { margin: 8px 0 0; color: var(--h-text-2); font-size: 14px; line-height: 1.55; max-width: 76ch; } .f-acts { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; } .f-act { appearance: none; display: inline-flex; align-items: center; gap: 8px; min-height: 36px; padding: 0 14px; border: 1px solid var(--h-line-strong); border-radius: 5px; background: var(--h-canvas); color: var(--h-text); font: 500 13px\/1 var(--h-sans); text-decoration: none; cursor: pointer; white-space: nowrap; } .f-act:hover { background: var(--h-hover); } .f-docs { background: var(--h-primary-bg); border-color: var(--h-primary-bg); color: var(--h-primary-ink); } .f-docs:hover { background: var(--h-primary-hover); border-color: var(--h-primary-hover); } .f-row { border-top: 1px solid var(--h-line); padding: 26px 0 30px; } .f-row-h { margin: 0 0 22px; } .f-cols { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 28px 32px; } .f-col { min-width: 0; } .f-col > summary { list-style: none; cursor: default; display: flex; align-items: center; justify-content: space-between; gap: 8px; margin-bottom: 10px; } .f-col > summary::-webkit-details-marker { display: none; } .f-ch { display: inline-flex; align-items: center; gap: 10px; min-width: 0; font: 600 13.5px\/1.3 var(--h-sans); color: var(--h-text); } .f-ci { display: inline-grid; place-items: center; flex: none; width: 26px; height: 26px; border: 1px solid var(--h-line); border-radius: 5px; background: var(--h-canvas); color: var(--h-text-2); } .f-ci .ic { width: 14px; height: 14px; } .f-chev { display: none; } .f-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0; } .f-col a { color: var(--h-text-2); text-decoration: none; font: 400 13.5px\/1.35 var(--h-body); display: inline-flex; align-items: center; min-height: 28px; padding: 3px 0; } .f-col a:hover { color: var(--h-text); } .f-col a:hover > span:last-child { text-decoration: underline; text-underline-offset: 3px; } .f-li { display: inline-flex; width: 16px; height: 16px; margin-inline-end: 10px; color: var(--h-muted); flex: none; transition: color var(--h-fast) var(--h-ease); } .f-li .ic { width: 15px; height: 15px; stroke-width: 1.6; } .f-col a:hover .f-li { color: var(--h-text); } .f-col a[aria-current=\"page\"] { color: var(--h-text); font-weight: 500; } .f-bar { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 24px; padding-top: 18px; border-top: 1px solid var(--h-line); color: var(--h-muted); font: 400 12.5px\/1.4 var(--h-body); } .f-copy { font: 500 12px\/1.4 var(--h-mono); letter-spacing: 0.02em; color: var(--h-text-2); } .f-links { list-style: none; margin-block: 0; margin-inline: auto 0; padding: 0; display: flex; flex-wrap: wrap; gap: 4px 20px; } .f-links a { color: var(--h-text-2); text-decoration: none; display: inline-flex; align-items: center; min-height: 24px; } .f-links a:hover { color: var(--h-text); text-decoration: underline; text-underline-offset: 3px; } @media (max-width: 1080px) { .f-cols { grid-template-columns: repeat(3, minmax(0, 1fr)); } .f-head { grid-template-columns: 1fr; align-items: start; } } @media (max-width: 720px) { .f-wrap { padding: 32px 16px 20px; } .f-head { gap: 14px; padding-bottom: 24px; } .f-site { font-size: 20px; } .f-row { padding: 14px 0 16px; } .f-row-h { margin-bottom: 6px; } .f-cols { grid-template-columns: 1fr; gap: 0; } .f-col { border-bottom: 1px solid var(--h-line); } .f-col > summary { cursor: pointer; min-height: 48px; margin: 0; } .f-chev { display: block; flex: none; transition: transform var(--h-fast) var(--h-ease); } .f-col[open] .f-chev { transform: rotate(180deg); } .f-col ul { padding-bottom: 10px; } .f-col a { min-height: 40px; } .f-links { margin-inline-start: 0; } } .itile.ccf { border-color: transparent; font: 14px\/1 \"Apple Color Emoji\", \"Segoe UI Emoji\", \"Noto Color Emoji\", sans-serif; } .row.cty { gap: 7px; min-height: 26px; padding-block: 2px; align-items: flex-start; } .row.cty .itile.ccf { width: 16px; height: 16px; margin-top: 1px; } .row.cty .r-t { font: 400 11px\/1.35 var(--h-mono); letter-spacing: 0.01em; color: var(--h-text-2); white-space: normal; overflow: visible; text-overflow: clip; word-break: normal; overflow-wrap: normal; hyphens: none; } .row.cty:hover .r-t, .row.cty:focus-visible .r-t { color: var(--h-text); } .row.cty .arrow { display: none; } .onp { display: none; position: relative; border-block-start: 1px solid var(--h-line); background: inherit; } :host([data-stuck][data-onp]) .onp { display: block; } .onp .wrap { height: 40px; gap: 16px; } .onp-l { flex: 0 0 auto; } .onp-list { --onp-fs: 0px; --onp-fe: 0px; display: flex; align-items: center; gap: 2px; flex: 1; min-width: 0; margin: 0; padding: 0; list-style: none; overflow-x: auto; overflow-y: hidden; overscroll-behavior-x: contain; scroll-snap-type: x proximity; scroll-padding-inline: 40px; scrollbar-width: none; -webkit-mask-image: linear-gradient(to right, transparent 0, #000 var(--onp-fs), #000 calc(100% - var(--onp-fe)), transparent 100%); mask-image: linear-gradient(to right, transparent 0, #000 var(--onp-fs), #000 calc(100% - var(--onp-fe)), transparent 100%); } .onp-list:dir(rtl) { -webkit-mask-image: linear-gradient(to left, transparent 0, #000 var(--onp-fs), #000 calc(100% - var(--onp-fe)), transparent 100%); mask-image: linear-gradient(to left, transparent 0, #000 var(--onp-fs), #000 calc(100% - var(--onp-fe)), transparent 100%); } .onp-list[data-fade~=\"start\"] { --onp-fs: 40px; } .onp-list[data-fade~=\"end\"] { --onp-fe: 40px; } .onp-list > li { flex: none; scroll-snap-align: start; } .onp-list::-webkit-scrollbar { display: none; } .onp-list a { display: inline-flex; align-items: center; height: 30px; padding: 0 10px; border-radius: 5px; font: 400 13px\/1 var(--h-body); color: var(--h-muted); white-space: nowrap; text-decoration: none; transition: color var(--h-fast) var(--h-ease), background var(--h-fast) var(--h-ease); } .onp-list a:hover { background: var(--h-hover); color: var(--h-text); } .onp-list a:focus-visible { outline: 2px solid var(--h-accent); outline-offset: -2px; } .onp-list a[aria-current] { color: var(--h-text); font-weight: 500; box-shadow: inset 0 -2px 0 var(--h-accent); border-radius: 0; } .onp-n { flex: 0 0 auto; font: 500 11px\/1 var(--h-mono); letter-spacing: 0.08em; color: var(--h-muted); font-variant-numeric: tabular-nums; direction: ltr; unicode-bidi: isolate; } .onp-prog { position: absolute; inset-inline-start: 0; inset-block-end: -1px; height: 2px; width: var(--onp-p, 0%); background: linear-gradient(90deg, var(--h-a), var(--h-b), var(--h-c)); transition: width 120ms linear; pointer-events: none; } @media (max-width: 760px) { .onp-l { display: none; } .onp .wrap { height: 38px; gap: 10px; } } @media (prefers-reduced-motion: reduce) { .onp-prog, .onp-list a { transition: none; } } @media print { .onp { display: none !important; } } :host([data-a11y~=\"readable-font\"]) .h, :host([data-a11y~=\"readable-font\"]) .h * { font-family: Verdana, \"Atkinson Hyperlegible\", Tahoma, Arial, sans-serif !important; } :host([data-a11y~=\"dyslexia-font\"]) .h, :host([data-a11y~=\"dyslexia-font\"]) .h * { font-family: \"OpenDyslexic\", Verdana, Arial, sans-serif !important; } :host([data-a11y~=\"letter-spacing\"]) .h * { letter-spacing: var(--readabler-letter-spacing, 0.05em) !important; } :host([data-a11y~=\"font-sizing\"]) :is(.main .menus, .net ul, .inl, .crumbs, .onp-list, .end) { zoom: var(--a11y-font, 1); } :host([data-a11y~=\"highlight-links\"]) a { outline: 2px solid var(--readabler-color, #ffda00) !important; outline-offset: 2px; text-decoration: underline !important; } :host([data-a11y~=\"highlight-focus\"]) :focus-visible, :host([data-a11y~=\"highlight-focus\"]) :focus { outline: 3px solid var(--readabler-color, #ffda00) !important; outline-offset: 2px !important; } :host([data-a11y~=\"highlight-hover\"]) :is(a, button, summary):hover { outline: 2px dashed var(--readabler-color, #ffda00) !important; outline-offset: 2px; } :host([data-a11y~=\"dark-contrast\"]) { --h-canvas: #000000; --h-elevated: #0a0a0a; --h-sunken: #000000; --h-hover: #1f1f1f; --h-line: rgba(255, 255, 255, 0.55); --h-line-strong: #ffffff; --h-text: #ffffff; --h-text-2: #ffffff; --h-muted: #f0f0f0; --h-accent: #ffda00; color-scheme: dark; } :host([data-a11y~=\"light-contrast\"]) { --h-canvas: #ffffff; --h-elevated: #ffffff; --h-sunken: #ffffff; --h-hover: #e6e6e6; --h-line: rgba(0, 0, 0, 0.6); --h-line-strong: #000000; --h-text: #000000; --h-text-2: #000000; --h-muted: #111111; --h-accent: #0000cc; color-scheme: light; } :host([data-a11y~=\"stop-animations\"]) *, :host([data-a11y~=\"stop-animations\"]) *::before, :host([data-a11y~=\"stop-animations\"]) *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; } :host([data-a11y~=\"hide-images\"]) img { visibility: hidden !important; } :host { --h-code: \"IBM Plex Mono\", ui-monospace, \"SFMono-Regular\", Consolas, \"Liberation Mono\", monospace; } :host(:lang(ar)), :host(:lang(fa)), :host(:lang(ur)) { --h-sans: \"IBM Plex Sans Arabic\", \"IBM Plex Sans\", \"Noto Sans Arabic\", \"Segoe UI\", Tahoma, \"Geeza Pro\", sans-serif; --h-body: \"IBM Plex Sans Arabic\", \"IBM Plex Sans\", \"Noto Sans Arabic\", \"Segoe UI\", Tahoma, \"Geeza Pro\", sans-serif; --h-mono: \"IBM Plex Sans Arabic\", \"IBM Plex Sans\", \"Noto Sans Arabic\", \"Segoe UI\", Tahoma, \"Geeza Pro\", sans-serif; --h-code: \"IBM Plex Mono\", \"IBM Plex Sans Arabic\", ui-monospace, \"SFMono-Regular\", Consolas, monospace; --nx-lh-body: 1.8; --nx-lh-heading: 1.45; --nx-weight-heading: 500; --nx-weight-strong: 500; font-synthesis-weight: none; font-synthesis-style: none; font-variant-numeric: lining-nums; text-justify: inter-word; } :host(:lang(ar)) *, :host(:lang(fa)) *, :host(:lang(ur)) * { letter-spacing: 0 !important; text-transform: none !important; } :host(:lang(ar)) :is(code, kbd, samp, pre, var, data, .nx-code, .nx-uni, .nx-num, [data-nx-code], [data-num], [class*=\"-code\"], [class*=\"-uni\"], [class*=\"-num\"]), :host(:lang(ar)) :is(code, kbd, samp, pre, var, data, .nx-code, .nx-uni, .nx-num, [data-nx-code], [data-num], [class*=\"-code\"], [class*=\"-uni\"], [class*=\"-num\"]) *, :host(:lang(fa)) :is(code, kbd, samp, pre, var, data, .nx-code, .nx-uni, .nx-num, [data-nx-code], [data-num], [class*=\"-code\"], [class*=\"-uni\"], [class*=\"-num\"]), :host(:lang(fa)) :is(code, kbd, samp, pre, var, data, .nx-code, .nx-uni, .nx-num, [data-nx-code], [data-num], [class*=\"-code\"], [class*=\"-uni\"], [class*=\"-num\"]) *, :host(:lang(ur)) :is(code, kbd, samp, pre, var, data, .nx-code, .nx-uni, .nx-num, [data-nx-code], [data-num], [class*=\"-code\"], [class*=\"-uni\"], [class*=\"-num\"]), :host(:lang(ur)) :is(code, kbd, samp, pre, var, data, .nx-code, .nx-uni, .nx-num, [data-nx-code], [data-num], [class*=\"-code\"], [class*=\"-uni\"], [class*=\"-num\"]) * { --h-mono: \"IBM Plex Mono\", \"IBM Plex Sans Arabic\", ui-monospace, \"SFMono-Regular\", Consolas, monospace; font-weight: 400; unicode-bidi: isolate; } :host(:lang(ar)) :is(h1, h2, h3, h4, h5, h6, [role=heading]), 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class=\"acct-nm\">'+o(t)+\"<\\\/span><\\\/div>\"+i+\"<\\\/div><\\\/details>\"}var ae=C.menus||[];var y=C.context||null;var M=C.network||{items:[]};var m=\"<style>\"+st+'<\\\/style><div class=\"h\" part=\"header\">';var ct=M.show!==false;if(ct)m+='<nav class=\"net\" aria-label=\"'+o(M.title||M.label)+'\"><div class=\"wrap\"><span class=\"eyebrow\"><span class=\"rule\"><\\\/span>'+o(M.label)+\"<\\\/span><ul>\";for(var pe=0;ct?pe<M.items.length:false;pe++)m+='<li><a href=\"'+o(M.items[pe].u)+'\"'+(M.items[pe].title?' title=\"'+o(M.items[pe].title)+'\"':\"\")+(M.items[pe].current?' aria-current=\"true\"':\"\")+\">\"+o(M.items[pe].t)+Ze(M.items[pe].fl)+\"<\\\/a><\\\/li>\";if(ct)m+=\"<\\\/ul>\"+(M.foundry?'<a class=\"foundry\" href=\"'+o(M.foundry.u)+'\">'+o(M.foundry.t)+q(L.arrow,\"arrow\")+\"<\\\/a>\":\"\")+\"<\\\/div><\\\/nav>\";m+='<div class=\"bar\"><div class=\"wrap\"><button type=\"button\" class=\"burger\" aria-expanded=\"false\" aria-controls=\"nxh-drawer\">'+q(L.menu)+'<span 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ri\/MVQQJJ+CEjIypFWZgfp+C+b2UwQnWe9B9HrX3CBkVkNsdaSNA5F1SGq8BTq4\/y+iE84h8Y5xLjIBFSAUAvp4kPZIaYnu6mqOYCU4buyQt8zLf2KVo7DJtbNK\/HHB4zploMILttaZtm\/M2m3+1Wvhn4198AXvHLbCPlGEoxuT6Wk9Phzdn5fHhfRQu0Q7zhtrL5tRbQJpzWOXcxvhKb79tKdKRjUX0aUZjduK7U05AF5E1zSxplV+1K7mHvwIDT4pUJ3xjnD4qHTvasR2YePmdgEVapnUUKdhbAPuobw1qts8TD+W7p1qE176W7o9LDhqh+0SGTT2Pa5qmUH+YEQWLOB3DnLTM+dFSjWEuMXPZnw941bgfDPC68FglWCZgIPdcn\/IhFnY6lqhY2O\/Id\/3Rs41FtQWgBVQt2MPA9RmNgjmNcjgSifUBUJU4dLTFoZmT48tg5dEsLKTqdm9cBXX9\/wc9yXl51AKt3BcW1+ta76\/jzhE2r2sMVMwNM02gXIg72cDlEXhQDgpIhsD9AUX37XVOk\/iL7\/Kui3tIVD0I24oc6IRGU2kT8km\/j8TYROybXmlxYjbCAz0tyaBYrsPcJ6euBQfhQSbSKGmZNNtfUhUf4ffpoN8e5NhwyXJVjhAKLR8cd7ngNN5Ea2AWrFVENmxeFwAZiRW1nmvfyge\/yZmOkCT5Z+oWt\/daNXQe5c5uv+Z7JHQGJ7JGDHVR4+vy9J8N\/qQ3XL9BlyGNWAPCzugCInSxZD51YxsibC4LA6vuN4ZAi7ov+6jxdXbY\/tc\/UQd9oMtZ3Ogxy3esyInVB9MqwDvApRdLXFoRK4f5wnItmKZTa2kWjI\/t\/G5zgTtizTn\/B5Rv719LGfgnN1PPhbm6+Ste20Q9FIo0f5UespG0WzfnYMbe\/xWaU+\/SVoVk3W+\/Pd6W3HgNjYA7jbfQLNZp\/ppcSzkOg83Uil91WwhqU31nQUhCIbtThvAbD03QRcwTuKF\/z7xI1zWSjjMGgHwBI6pWInpmJSziNyM+7v32a0kgtBlxQLXfcpZbAnyUAT6rXIJ8+3UtSKwKkAQlkPyuAYfM8dPs0zktBHJUobo0yogQZQGDair16Jx6saRkIw49l2logxRgtrxcohKPGMpXOfga7x9kSgs4EIMjS7HKQOn+S2Jx3UB00xTmxGW\/BXYy6byZkw+z6ZBG2hJ4akopuwIz1D4XYjKoDMiQFNQd5dHDYJE71XCHqm2cvY\/A4K5F\/flgs0EcGA20P8dqb4dyK9Ir+Dgyn2Jpu8\/ccKA3+imgqv2KDR43AObJKt2ei1NVdE29jq\/DNDqVq8ELJzLkwa8zdfZzyy0jVnKRPHw0W92dixgW0fZf0h5Ur3IAlf5dPyxYmKEJCUM7DzURBeHvEfIXXv9FfPMvpvnKsZDIcYnpwxrJxtMp5njJb0yjHCF06BvYwF\/pry9YBBw\/o1DldhOy59+1uprbBjoRt8RSY1VsWyEYsnJN1bS1rUD+N+GbQtXMGaXoS1rOkB4VY8RyYFfRYXVMmC9LHWbrkjVLnntwqEdSbuFdoApmDOm\/55TOP55xLQCEPDqmvtM4boAeJClmoDdqPjHFaGi1x2TkUs+RpKbUxs0mozoJl2IomKUpPvgyxj4itHYnKdlP0ShzNKowyWQOd\/B7zTwPxL022rbL7OT\/qUF5vo+aaD8C\/a\/JY0bAdAONxVVHuKZZsCLfQfOS1UIfCuc2j2CuOc9U8vPU5XNeaTLxgKnyjxXemDCicQzOGAWCrozH4BWqoMD1W1kogrNh0nmTZAMUgtAvCEJ\/e3ssd1LDGWNwcMPkRVLvT8usqFIcMy9QJUgQ3nIt8bLP2yrneL3U5iXPQFJbfZvXzflazDPDPKMR2mzSFw2E1\/Nti3xFp3kP4TJtt3q6AqOBKqq+0yiyXL8ZjEaCLke4NuaiUFaFZ1QFsufKZUG3BYrzCxTHEdQe1I7f3yaU4mKPykuqtBWp689rsNWMMmwlhIRdHhYq1a0QfCHVlhLlmLNEkezgREEhyulZptJFeKizdtD\/6gz6Xx3dGPx8UNI8lGyA3a9QOeV4ouyogy7OOYiaaVSmhQttBESLlGJpINxvDwR\/UjYrrn1GWfCDjsBrIZ2qc5LFeVBRRqme6oN8va8scUrFLHLvULsSEJmQK4MFF+6S8h0kqLl4PSGTbFZfT7Uu0b46618SvK919746GMNE9SxmYpLT+aFh2AISxZ9tciWC6TJ7aVvXrpo2PgAbqykcDe0m\/xoGC63dnOi\/gM0ov2Ga74ea9XMP74+4p++oDUCtMm+eSxooVvcB9WqKcySoDhgT4imMApvGseuPpYx9DN1Y\/GKRZVPxk0tR8XNKWeTaorINB9oG6XsaSUF7q6Lyr4DfyCCx22FMozmN8lFi\/2YE\/MdVxQphuoqUq2LZ+G617w8MN87a8cclU5CIdpOak1nJRNwsYB9mUcm8+IyBQTxASHLyb2bM\/ECMGJ4THaJVaDwJPKdjHL5JMrkfQrRYyI5oOvqQh1X+mxlpA6wfMgh+EBJY+RGg4jhfccwrUtYfs8EzE8mZoc\/obt2r6OuS7OOZ0A7BLV7iXuQRILuDNbEyrAr\/0ho0nA7U0yVqdKykLjJEcJ90E7Ikfr81kIb2D4FD8x7UE+WvPMkXAD+kjM8V9oWx3JPwJ7xWH68LdoSWnn+\/f1IbA82NE+Pdnw9f59drBAN1R9oJISSNzEoCcsJJ7ASvl\/kRtZKX+KYlIIUrmr8BIFcJOin9M4rI1687ClmuM9fSPpT0TvvcEviFbkv91R8jVeWTZCtK\/fPuACEOk5M8TKCC9jndMYkt9zhbbDjnoLfw\/uFr\/VJkXpinx0ZzVrr9Yoz7MXlZ3P1hSmnvSct8n432vaK0KSW0\/z6Dyo54e8CRKT0iY7y+LFRK48nnrDulR9uj\/9l4qzh0qWYC4UtJfq+Sk4yCD4ewZeGOh51uutz+XTUFYek4SSZMEP\/5jtBXATWkn5cPUDwfUnuedzBWSR0B6Kt6qXSe5\/D9lt4e5Hj8hLTMSbZwE1i4q4y99yfZ2lVsVYvR25tNvrzge3Lgd3w2xSH3+JCLXwCKvbT7qkNNfBPLcmwQJ+fyfMBP1VoDs4YeTa1aU4tF7jK\/vV2AtFqwo59SabXg0uqEaj+x\/gLEGz8OuksnqYjF9KFZnx0NM9nPZDzmkPV9JiIy5U9xxou+YPwQjBUrafdIOQzhPAUnoqverVTVcRaA3MrGtIIxrdgRSxd8xRSpnjDCaH\/FBlVDiKT2xM03+VlG0GLEjk7SWUZpi5SSE9aPWOU2WDQl9RbapfToMT16ImvlrdiCs\/m09iDBjrNu6bYfxnrOjvx09ud8rGdU82n\/XC2DxQjywcdj0OmQ8rQpU4oyznGdnWqoPoGrxkSbkwBifXU\/r5QIfyAr+AOlb79PB7nUCJsNvEhd8JWkIPQPX6ofURCwTqT7S8r1ju0D3BFXqArnyLcYfMVWlQNAZypI0odYYBjWbwQh\/QkmBE9\/\/uBRVzvwgqgZ29B6p+FY0SNWtkDOHhgRJ4tyRi4+fBVLBcYAXqD7Z\/dPdTy2i6Ah1EEejzdM\/+dOhD1wi14PvD4gAH7DokHpJLbkKcU6AJl1hzIklHxcW2IqvM580X6D2LfhzHFWS6QGQHNnVoT6oPGTkHxGXTET0UiHvxO\/caGe5TiFSlm5Tr4BuV2ooMuhHKeIZK+ciioCc82fnIYjNcJOkQ4AFz6Wxinn3+RjFODDJhf2dbUkVKoq5rcNTKCJxpTnH0h2p0MefOZAUTvRX3rEeFkgtRpOxMs3WTAee7SR2uZ2BObwuJydpkUoULFWYqEgFn3LtMORvJgx4rk4amB5HTnZtUOZ5XodkViFJUkaIR0o4v8m9i7QxTeSixz0eiyIrDFHritGp5qVMg6G16IWaAbfgAIEdXb5b4Gx\/Kc4EZk\/jvgt2yl9qD7snAe7Eo+FFCn3\/FNvEix8EZ6XWq\/3Hhlel2Of5dlbEf28i9FLPrZwgQFFesOwvWFz66VEWfGGr5zeMEJXIjE8y28IF3w1Ks4NogijAGIfVhB9E4eeBdG2Ps82gNxpGETM4tsKkb\/hQ3fvkeUNF9c1h8QnNAoax9wgIsNYwSgCR\/qrFD6b+nT316YL0Ze1ZSJryruELX9NGVoeDKzRNYT+sKqMMPnkL\/qrI8edNzjHEOEreaxocPcvGkfBLEQNTmOeNYT0FSdhSK3I8m3aCEbiCEpojSk6PhIE3ACUIMrS3kipT2FwI0+wRFLh8TV8O\/p6IKo93xangOqm3lnR4w+0xAmouqUeP8OWa+vrgePOj19h8wO5Zs9TFlfrP3Qz5PpQCN\/6kBL4h1J2uJT6SJrV4J6Wt2VPbGdKAym59lhRaNdlQinRZscPmFZ615wGQ9eDDBvK\/Nyt3aZmyklEaJempz5FqMZR+7DV3coU4ONCVoMRmHbR9olP7kTj1F4RkhjErAmID3YK6Ikfi6lgC03QMvKluR3Apq6nUXEgdb\/9VgSRpGbZmnjQrBGcJE8vOvz5VDwL\/MT09huwKMN65REBsOk0cp0xLSJI9l4GAqpFrXAtZLKqySda5d0WIqyrfhhclKXOa5JJHy4MckpT9szJSCjMVRIuTiUchDukCZSSMx5oIBjxh+69kmFFQlFWjQ85ChKo8OG\/fFpdEHo\/ZQ+l0JIcJYHzpVbPMF8ABqrAEAkwwDkkQek76fleTuePesNT9TEXR\/j\/lBKosi\/t\/dHd2ysokXlJ+I7U6Jf6FfuhAaS6MvT5LnfOXGBmMHG5HMx\/WYTN\/Ef8B8l\/5bqA2BGBB7awlUkR5oqlqLrZiAdRAv9BrlharLJXqYWE0XbfFTp13QgqmwYpI044bzWt1JwyMHKbmFJXwjrOyLfNRnww73dtTQMGJlAtkDr6TX2+g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: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-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Fintech Nexus<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">AI and automation<\/h1><p class=\"nx-scene-lede\">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. <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 model-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk of harm from decisions based on models that are wrong, misused or applied outside their validity domain.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Model risk<\/a> is not new, but these <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> are 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\"><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><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">How the work runs.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"dag\"><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\">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=\"section\" aria-label=\"Fintech risk and operations: illustrative console with example names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Fintech risk and operations<\/h3><p class=\"nx-fk-sub\">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\">Example 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: example names and illustrative values, not a record or a live system.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"infrastructure\" aria-label=\"The question, Exposure, loss and capital, Indicators, Sources\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"The question, Exposure, loss and capital, Indicators, Sources\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-question\" aria-selected=\"true\" data-key=\"p1\">The question<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-audience\" aria-selected=\"false\" data-key=\"p2\">Exposure, loss and capital<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-indicators\" aria-selected=\"false\" data-key=\"p3\">Indicators<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-4\" aria-controls=\"nx-sec-sources\" aria-selected=\"false\" data-key=\"p4\">Sources<\/button><\/div><section id=\"nx-sec-question\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-variant=\"split\" aria-labelledby=\"nx-s-2\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-2\" 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-audience\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-3\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Exposure, loss and capital<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">What AI and automation means for exposure, loss and capital.<\/h2><p class=\"nx-lede\">The exposure, loss, scenario and capital views a risk officer, supervisor or ministry of finance would ask for, with the frameworks they report against. Structures follow supervisory and actuarial practice. Values are illustrative: never prices, ratings or advice.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-au\" data-au-voice=\"finance\" data-au-n=\"1\"><figure class=\"nx-au-c\" data-au-fig=\"transmission\"><h3 class=\"nx-h4\">Transmission channels<\/h3><p class=\"nx-p nx-au-what\">How a shock in AI and automation reaches credit, market, underwriting, liquidity and operational risk, and feeds back.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 268\" role=\"img\" aria-label=\"Transmission channels from shocks through micro and macro channels to financial risks\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><figcaption class=\"nx-caption\"><span>Channel structure after the Basel Committee's work on climate-related risk drivers and transmission channels; links shown are typical paths, not estimated exposures.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">NGFS climate scenarios \u00b7 Network for Greening the Financial System<\/span><span class=\"nx-chip\">IFRS S2 Climate-related Disclosures \u00b7 ISSB<\/span><span class=\"nx-chip\">TCFD recommendations \u00b7 Financial Stability Board TCFD<\/span><span class=\"nx-chip\">Principles for the effective management of climate-related financial risks \u00b7 Basel Committee on Banking Supervision<\/span><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-variant=\"stack\" aria-labelledby=\"nx-s-4\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-4\" 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\"><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 model-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk of harm from decisions based on models that are wrong, misused or applied outside their validity domain.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Model risk<\/a> 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-sources\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-5\" 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 <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-assessment\" data-tk=\"Nexus risk vocabulary\" data-td=\"The overall process of identifying, analysing and evaluating risk to inform decisions.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk assessment<\/a> 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><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"infrastructure\" aria-label=\"Decisions, Core questions, Mechanisms, Methods and data\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Decisions, Core questions, Mechanisms, Methods and data\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-decisions\" aria-selected=\"true\" data-key=\"p1\">Decisions<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-core-questions\" aria-selected=\"false\" data-key=\"p2\">Core questions<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-mechanisms\" aria-selected=\"false\" data-key=\"p3\">Mechanisms<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-4\" aria-controls=\"nx-sec-methods-and-data\" aria-selected=\"false\" data-key=\"p4\">Methods and data<\/button><\/div><section id=\"nx-sec-decisions\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-variant=\"split\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-6\" 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 <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 model-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk of harm from decisions based on models that are wrong, misused or applied outside their validity domain.\" data-ts=\"NRS-C1\" data-tr=\"draft\">model risk<\/a> committees<\/td><td data-label=\"The question\">Which AI uses to approve, at what risk tier, and with what <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 human-oversight\" data-tk=\"Nexus risk vocabulary\" data-td=\"Arrangements that keep competent people able to understand, monitor and override automated decisions.\" data-ts=\"NRS-C1\" data-tr=\"draft\">human oversight<\/a><\/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 nx-band-panel\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-7\" 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 nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-8\" 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 <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 systemic-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk that the failure or disruption of parts of an interconnected system propagates through its dependencies to impair the functioning of the whole, often beyond the sector or place where it began. It arises from\u2026\" data-ts=\"NRS-C1\" data-tr=\"draft\">systemic risk<\/a>.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and data<\/span><\/div><h2 id=\"nx-s-9\" 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><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-3\" data-hue=\"infrastructure\" aria-label=\"Methods, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Methods, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-methods\" aria-selected=\"true\" data-key=\"p1\">Methods<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-2\" aria-controls=\"nx-s-11-sec\" aria-selected=\"false\" data-key=\"p2\">Questions<\/button><\/div><section id=\"nx-sec-methods\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-10\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-10\" 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\"><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=\"Canonical \u00b7 STEM Commons: Artificial intelligence and machine learning\">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\"><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=\"Canonical \u00b7 STEM Commons: Cybersecurity and cryptography\">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\"><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=\"Canonical \u00b7 STEM Commons: Payment and financial market technology\">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\"><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=\"Canonical \u00b7 STEM Commons: Digital identity and public digital systems\">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-11-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-11\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-11\" 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><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a> is the Consortium's quarterly publication. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work.<\/p><div class=\"nx-chips\"><span class=\"nx-chip\">Global Risks Alliance<\/span><span class=\"nx-chip\">Fintech Nexus<\/span><span class=\"nx-chip\">Exponential Technology<\/span><span class=\"nx-chip\">Finance and Insurance Readiness<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRA<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. 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