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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n26y8vfa.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 Payments and Market Infrastructure<\/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\">Payment and financial market technology at Payments and Market Infrastructure<\/h1><p class=\"nx-scene-lede\">Payments technology covers the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a>, messages and settlement mechanisms that move money and securities. On this platform it explains how design choices such as settlement asset, timing, messaging standard and liquidity tools shape risk in payment and market infrastructure.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/write-to-us\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/stem\/\">Back to STEM foundation of Payments and Market Infrastructure<\/a><\/div><\/div><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Register<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">Payment and financial market technology at Payments and Market Infrastructure on the record.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"console\"><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Method record<\/strong><\/span><span class=\"nx-eyebrow\">STEM method<\/span><\/div><ol class=\"nx-register-rows\"><li><div><span class=\"nx-register-k\">Method<\/span><span class=\"nx-register-v\">Payment and financial market technology<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Steward<\/span><span class=\"nx-register-v\">Payments and Market Infrastructure<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Applied in<\/span><span class=\"nx-register-v\">Payments and Market Infrastructure<\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Data<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"#nx-sec-data\">3 inputs<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Checks<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"#nx-sec-checks\">3 validation steps<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Canonical page<\/span><span class=\"nx-register-v\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/technology\/payments-technology\/\">STEM Commons<\/a><\/span><\/div><\/li><\/ol><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"infrastructure\" aria-label=\"Application, Stress test, Data, Exposure, loss and capital\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Application, Stress test, Data, Exposure, loss and capital\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-application\" aria-selected=\"true\" data-key=\"p1\">Application<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-instrument\" aria-selected=\"false\" data-key=\"p2\">Stress test<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-data\" aria-selected=\"false\" data-key=\"p3\">Data<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-4\" aria-controls=\"nx-sec-audience\" aria-selected=\"false\" data-key=\"p4\">Exposure, loss and capital<\/button><\/div><section id=\"nx-sec-application\" 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\">Application<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">What payment and financial market technology does here.<\/h2><p class=\"nx-lede\">Payment and financial market technology covers the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> that clear and settle transactions and support trading. Their continuity is essential for economic activity and crisis response. In financial stability, cyber and digital resilience and digital public infrastructure, payments analysis shows how operational outages or cyber events can <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h5\" data-tc=\"NHS-1 atmo.thermal.hard-freeze\" data-tk=\"Atmosphere and weather \u00b7 Thermal extremes\" data-td=\"Air temperature falling well below freezing for hours, killing crops, bursting pipes and stopping water flow.\" data-ts=\"NRS-H5\" data-tr=\"draft\">freeze<\/a> liquidity across the economy. It informs resilience standards and contingency arrangements. The canonical description is on <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/technology\/payments-technology\/\">the STEM Commons<\/a>.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cols\"><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><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><\/div><h3 class=\"nx-h3 nx-mt-2\">Liquidity-saving mechanisms<\/h3><p class=\"nx-p nx-mt-1\">Queues and offsetting algorithms in large-value systems are analysed for how much intraday liquidity they save and how they behave under participant stress.<\/p><\/article><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M4.268 21a2 2 0 0 0 1.727 1H18a2 2 0 0 0 2-2V7l-5-5H6a2 2 0 0 0-2 2v3\"\/><path d=\"m9 18-1.5-1.5\"\/><circle cx=\"5\" cy=\"14\" r=\"3\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">ISO 20022 data quality<\/h3><p class=\"nx-p nx-mt-1\">Structured message fields are examined for how they improve screening, reconciliation and straight-through processing across borders.<\/p><\/article><article><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\" data-size=\"lg\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 22h14\"\/><path d=\"M5 2h14\"\/><path d=\"M17 22v-4.172a2 2 0 0 0-.586-1.414L12 12l-4.414 4.414A2 2 0 0 0 7 17.828V22\"\/><path d=\"M7 2v4.172a2 2 0 0 0 .586 1.414L12 12l4.414-4.414A2 2 0 0 0 17 6.172V2\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Settlement cycle design<\/h3><p class=\"nx-p nx-mt-1\">Effects of moving to shorter settlement cycles on funding, fails and operations are compared across markets that have changed.<\/p><\/article><\/div><\/div><\/div><\/section><section id=\"nx-sec-instrument\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-ns-layout=\"es-wide\" aria-labelledby=\"nx-s-3\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Stress test<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">How a shock to assets becomes a system loss.<\/h2><p class=\"nx-lede\">The equity the system loses after interbank contagion, against the initial hit, as leverage, interconnection and recovery rates change, the core of a macroprudential <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 stress-test\" data-tk=\"Nexus risk vocabulary\" data-td=\"An assessment of how a system, portfolio or institution would perform under severe but plausible adverse scenarios, to find weaknesses before they are revealed by events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">stress test<\/a>. Teaching model with stated illustrative values, not a prediction.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-in nx-fk\" id=\"nx-in--infrastructure-stem-payments-technology-0\" data-nxi=\"debtrank\" data-nxi-id=\"debtrank\" data-nxi-z=\"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\" aria-label=\"How a shock to assets becomes a system loss\"><div class=\"nx-in-body\"><div class=\"nx-in-main\"><div class=\"nx-in-tabs\" data-nxi-tabs=\"true\" aria-label=\"Views of the model\" hidden><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"result\">Result<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"net\">Network<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"fan\">Uncertainty<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"tornado\">Sensitivity<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"loops\">Loops<\/button><\/div><div class=\"nx-in-stage\" id=\"nx-in--infrastructure-stem-payments-technology-0-stage\" data-nxi-stage=\"true\" data-view=\"result\"><svg class=\"nx-in-svg\" viewBox=\"0 0 720 340\" role=\"img\" aria-label=\"Equity lost\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-in-tip\" data-nxi-tip=\"true\" aria-live=\"polite\"><\/p><div class=\"nx-in-bar\" data-nxi-bar=\"true\" role=\"group\" aria-label=\"Play over time\" hidden><button type=\"button\" class=\"nx-in-btn\" data-nxi-prev=\"true\" aria-label=\"Step back\">&#8249;<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-play=\"true\" aria-pressed=\"false\">Play<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-next=\"true\" aria-label=\"Step forward\">&#8250;<\/button><span class=\"nx-in-step\" data-nxi-step=\"true\" aria-live=\"polite\"><\/span><\/div><\/div><div class=\"nx-in-side\"><p class=\"nx-eyebrow\">Controls<\/p><div class=\"nx-in-ctl\" data-nxi-ctl=\"true\"><dl class=\"nx-in-pv\"><div><dt>Fall in external assets<\/dt><dd>2.0%<\/dd><\/div><div><dt>Leverage (assets over equity)<\/dt><dd>10 times<\/dd><\/div><div><dt>Interbank share of assets<\/dt><dd>10%<\/dd><\/div><div><dt>Recovery on interbank claims<\/dt><dd>40%<\/dd><\/div><div><dt>Banks in the system<\/dt><dd>20<\/dd><\/div><div><dt>Core banks<\/dt><dd>20% of banks<\/dd><\/div><\/dl><\/div><p class=\"nx-eyebrow\">Readouts<\/p><dl class=\"nx-in-out\" data-nxi-out=\"true\" aria-live=\"polite\"><div><dt>Equity lost to the initial shock<\/dt><dd>18.0%<\/dd><\/div><div><dt>Equity lost after contagion<\/dt><dd>45.0%<\/dd><\/div><div><dt>Added by contagion (DebtRank)<\/dt><dd>27.0 points<\/dd><\/div><div><dt>Banks in default<\/dt><dd>0<\/dd><\/div><\/dl><\/div><\/div><details class=\"nx-in-more\"><summary>Numbers, methods and sources<\/summary><div class=\"nx-in-more-in\"><div class=\"nx-in-tblw\" data-nxi-table=\"true\"><table class=\"nx-in-tbl\"><thead><tr><th scope=\"col\">Round<\/th><th scope=\"col\">System equity lost (%)<\/th><th scope=\"col\">Banks in default<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">0<\/th><td>18.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">1<\/th><td>28.80<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">2<\/th><td>35.28<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">3<\/th><td>39.17<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">4<\/th><td>41.50<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">5<\/th><td>42.90<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">6<\/th><td>43.74<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">7<\/th><td>44.24<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">8<\/th><td>44.55<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">9<\/th><td>44.73<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">10<\/th><td>44.84<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">11<\/th><td>44.90<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">12<\/th><td>44.94<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">13<\/th><td>44.96<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">14<\/th><td>44.98<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">15<\/th><td>44.99<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">16<\/th><td>44.99<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">17<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">18<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">19<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">20<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">21<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">22<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">23<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">24<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">25<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">26<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">27<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">28<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">29<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">30<\/th><td>45.00<\/td><td>0<\/td><\/tr><\/tbody><\/table><\/div><button type=\"button\" class=\"nx-in-btn\" data-nxi-csv=\"true\" hidden>Download the numbers (CSV)<\/button><h4 class=\"nx-h4\">Methods<\/h4><ol class=\"nx-in-meth\"><li>DebtRank <span class=\"nx-in-cite\">Battiston and others (2012), Scientific Reports 2:541<\/span><\/li><li>Differential DebtRank <span class=\"nx-in-cite\">Bardoscia and others (2015), PLOS ONE 10<\/span><\/li><li>Contagion in financial networks <span class=\"nx-in-cite\">Gai and Kapadia (2010), Proc. R. Soc. A 466<\/span><\/li><li>Clearing in financial networks <span class=\"nx-in-cite\">Eisenberg and Noe (2001), Management Science 47<\/span><\/li><li>Uncertainty fan (parameter Monte Carlo) <span class=\"nx-in-cite\">Spiegelhalter, Pearson and Short (2011), Visualising uncertainty about the future, Science 333<\/span><\/li><li>One-at-a-time sensitivity (tornado) <span class=\"nx-in-cite\">Saltelli and others (2008), Global Sensitivity Analysis: The Primer, Wiley<\/span><\/li><\/ol><h4 class=\"nx-h4\">Data<\/h4><p class=\"nx-p\">No observed data enters this model: it runs on the teaching values set by the controls, to be replaced with a programme&#8217;s own evidence.<\/p><\/div><\/details><figcaption class=\"nx-caption\">How a shock to assets becomes a system loss. Illustrative teaching model: it runs on the values set by the controls, not on measured data. Methods: DebtRank (Battiston and others (2012), Scientific Reports 2:541); Differential DebtRank (Bardoscia and others (2015), PLOS ONE 10); Contagion in financial networks (Gai and Kapadia (2010), Proc. R. Soc. A 466).<\/figcaption><div class=\"nx-in-pls\"><p class=\"nx-eyebrow\">Across the six pillars, led by Nexus Consortium<\/p><ul class=\"nx-in-pl\" aria-label=\"Where this instrument connects across the pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Experiments<\/span> <a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Built in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/foundry\/\">Payments and Market Infrastructure in Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Tested at<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/universe\/\">Payments and Market Infrastructure in Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Codified in<\/span> <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/\">Finance, Insurance and the Economy in Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Published in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/reports\/\">Payments and Market Infrastructure in Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Taught in<\/span> <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/finance-economics\/\">Faculty of Finance and Economics in Academy<\/a><\/li><\/ul><\/div><span class=\"nx-in-keep\" hidden><i data-c=\"c1\"><\/i><i data-c=\"c2\"><\/i><i data-c=\"c3\"><\/i><i data-c=\"c4\"><\/i><i data-c=\"c5\"><\/i><i data-c=\"c6\"><\/i><i data-c=\"l0\"><\/i><i data-c=\"l1\"><\/i><i data-c=\"l2\"><\/i><i data-c=\"l3\"><\/i><i data-c=\"l5\"><\/i><i data-c=\"h3\"><\/i><i data-c=\"neg\"><\/i><i data-c=\"on0\"><\/i><i data-c=\"on1\"><\/i><i data-l=\"0\"><\/i><i data-l=\"1\"><\/i><i data-l=\"2\"><\/i><i data-l=\"3\"><\/i><i data-l=\"4\"><\/i><i data-l=\"5\"><\/i><i data-on=\"0\"><\/i><i data-on=\"1\"><\/i><i data-pol=\"p\"><\/i><i data-pol=\"n\"><\/i><i data-k=\"R\"><\/i><i data-k=\"B\"><\/i><i data-k=\"dash\"><\/i><i data-dash=\"true\"><\/i><i data-view=\"result\"><\/i><i data-nxi-live=\"on\"><\/i><i data-nxi-live=\"off\"><\/i><i class=\"nx-in-svg nx-in-grid nx-in-ax nx-in-tk nx-in-at nx-in-ln nx-in-band nx-in-lbl nx-in-lk nx-in-ref nx-in-reft nx-in-mk nx-in-x nx-in-rect nx-in-val nx-in-rowl nx-in-cl nx-in-arrow nx-in-pol nx-in-cln nx-in-loop nx-in-edge nx-in-node nx-in-nl nx-in-reach nx-in-trib nx-in-agent nx-in-flow nx-in-legend nx-in-sw nx-in-note nx-in-loops nx-in-3d nx-in-cv nx-in-field nx-in-fl nx-in-fv nx-in-range nx-in-btn nx-in-err nx-in-tbl nx-in-cite\"><\/i><\/span><\/figure><\/div><\/div><\/section><section id=\"nx-sec-data\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-4\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Data<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">What the method consumes.<\/h2><p class=\"nx-lede\">Datasets and records used by payment and financial market technology on this platform, with the role each plays and the label its values carry. Sources are listed in <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/research\/sources\/\">the source register<\/a>.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Data<\/th><th scope=\"col\">Role<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Data\">Payment system statistics<\/td><td data-label=\"Role\">Volumes and values<\/td><td data-label=\"Label\"><span class=\"nx-chip\">Published statistics<\/span><\/td><\/tr><tr><td data-label=\"Data\">Message standards documentation<\/td><td data-label=\"Role\">Data structure<\/td><td data-label=\"Label\"><span class=\"nx-chip\">Published statistics<\/span><\/td><\/tr><tr><td data-label=\"Data\">Settlement fail data<\/td><td data-label=\"Role\">Settlement performance<\/td><td data-label=\"Label\"><span class=\"nx-chip\">Published statistics<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"data\" data-nxf-kind=\"data\" data-nxf-resource=\"nexus:\/\/gra\/A-P05\/stem\/payments-technology\/#data\" data-nxf-title=\"Method record\" data-nxf-height=\"520\" hidden><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A-P05\/stem\/payments-technology\/#evidence\" data-nxf-title=\"Evidence\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Exposure, loss and capital<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">What it 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 Payment and financial market technology at Payments and Market Infrastructure reaches credit, market, underwriting, liquidity and operational risk, and feeds back.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 268\" role=\"img\" aria-label=\"Transmission channels from shocks through micro and macro channels to financial risks\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><figcaption class=\"nx-caption\"><span>Channel structure after the Basel Committee&#8217;s work on climate-related risk drivers and transmission channels; links shown are typical paths, not estimated exposures.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">NGFS climate scenarios \u00b7 Network for Greening the Financial System<\/span><span class=\"nx-chip\">IFRS S2 Climate-related Disclosures \u00b7 ISSB<\/span><span class=\"nx-chip\">TCFD recommendations \u00b7 Financial Stability Board TCFD<\/span><span class=\"nx-chip\">Principles for the effective management of climate-related financial risks \u00b7 Basel Committee on Banking Supervision<\/span><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"infrastructure\" aria-label=\"Validation, Connections, Stewardship, 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=\"Validation, Connections, Stewardship, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-checks\" aria-selected=\"true\" data-key=\"p1\">Validation<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-connections\" aria-selected=\"false\" data-key=\"p2\">Connections<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-stewardship\" aria-selected=\"false\" data-key=\"p3\">Stewardship<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-4\" aria-controls=\"nx-s-9-sec\" aria-selected=\"false\" data-key=\"p4\">Questions<\/button><\/div><section id=\"nx-sec-checks\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Validation<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">How results are checked.<\/h2><p class=\"nx-lede\"><a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">Systems<\/a> are tested through failover exercises, liquidity simulations and supervisory oversight. Reconciliation checks the integrity of settled positions.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Check<\/th><th scope=\"col\">How it is done<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Check\">Design documentation<\/td><td data-label=\"How it is done\">Analyses state the version of rules and standards examined<\/td><\/tr><tr><td data-label=\"Check\">Comparability<\/td><td data-label=\"How it is done\">Statistics are reconciled across systems before comparison<\/td><\/tr><tr><td data-label=\"Check\">Operator review<\/td><td data-label=\"How it is done\">Technical descriptions are checked against published system rules<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-note nx-mt-3\">Interdependence among participants and third-party providers can produce unexpected failures. Simulations may not capture behavioural responses under stress.<\/p><\/div><\/div><\/section><section id=\"nx-sec-connections\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-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\">Connections<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Topics that rely on this method.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\" data-nav=\"true\"><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/retail-and-wholesale-payments\/\"><span>Retail and wholesale payments<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/clearing-and-settlement\/\"><span>Clearing and settlement<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/central-counterparty-risk\/\"><span>Central counterparty risk<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/cross-border-payments\/\"><span>Cross border payments<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/payment-cyber-security\/\"><span>Payment cyber security<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/cash-and-digital-resilience\/\"><span>Cash and digital resilience<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/operational-test-methods\/\"><span>Operational test methods<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-stewardship\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-variant=\"split\" 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\">Stewardship<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Who maintains the method.<\/h2><p class=\"nx-lede\">Payments and Market Infrastructure stewards payment and financial market technology for the Consortium and reviews how it is applied across platforms.<\/p><\/div><div class=\"nx-section-body\"><p class=\"nx-p\"><a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/technology\/payments-technology\/\">Canonical page: Payment and financial market technology<\/a><\/p><\/div><\/div><\/section><section id=\"nx-s-9-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-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\">Questions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What are the limits of payment and financial market technology in this field?<\/summary><div class=\"nx-answer\">Interdependence among participants and third-party providers can produce unexpected failures. Simulations may not capture behavioural responses under stress.<\/div><\/details><details><summary>How are results checked?<\/summary><div class=\"nx-answer\">Systems are tested through failover exercises, liquidity simulations and supervisory oversight. Reconciliation checks the integrity of settled positions.<\/div><\/details><details><summary>Are the values on this page real?<\/summary><div class=\"nx-answer\">The data names, roles and checks are real descriptions of practice. The canvas shows a design of the method&#8217;s use, not a run; no result is reported here.<\/div><\/details><details><summary>Where else is this method applied?<\/summary><div class=\"nx-answer\">The <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/technology\/payments-technology\/\">canonical method page<\/a> lists every platform that applies it.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"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&#8217;s quarterly publication. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work.<\/p><div class=\"nx-chips\"><span class=\"nx-chip\">Global Risks Alliance<\/span><span class=\"nx-chip\">Payments and Market Infrastructure<\/span><span class=\"nx-chip\">Strategic Systems<\/span><span class=\"nx-chip\">Scenario and Stress-Test<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRA<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. It arrives tagged with this page, so the editor who owns it receives it.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/open-science\/#nx-sec-zenodo\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Zenodo<\/span><span class=\"nx-dest-host\">Open deposit<\/span><\/span><span class=\"nx-dest-title\">Deposit it and submit to the community<\/span><span class=\"nx-dest-why\">Publish your own record on Zenodo with your ORCID iD, then submit it to the Reports community there. Curators review it; the DOI stays yours.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">Global Risks Alliance<\/span><\/span><span class=\"nx-dest-title\">See every way to contribute<\/span><span class=\"nx-dest-why\">The contribution types, how each is reviewed, what credit you receive, the licence and what is never accepted.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><div class=\"nx-live-slot\" data-nxf-slot=\"contribute\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/payments-market-infrastructure\/stem\/payments-technology#contribute\" data-nxf-title=\"Contribute evidence\" data-nxf-height=\"480\" hidden><\/div><p class=\"nx-note nx-mt-3\">Never send personal data, sensitive infrastructure detail or anything you have no right to share. A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-s-market-infrastructure-stem-payments-technology-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-s-market-infrastructure-stem-payments-technology-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-s-market-infrastructure-stem-payments-technology-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/model\/scenarios\/urban-flood\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Urban flood<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/payments-fintech\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Payments, market infrastructure and fintech<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-10\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Payments and Market Infrastructure<\/span><h2 id=\"nx-close-10\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. 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