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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2it7wak.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=\"gcri\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Centre for Risk and Innovation\">GCRI<\/abbr> \u00b7 Digital Public Infrastructure<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Payments technology<\/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> that move money between people, businesses and governments. In this field it addresses fast payment systems, messaging standards, fraud prevention, settlement and the use of payments infrastructure for public transfers.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/therisk.global\/digital-public-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:\/\/therisk.global\/digital-public-infrastructure\/stem\/\">Back to STEM foundation of Digital Public Infrastructure<\/a><\/div><\/div><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"infrastructure\" 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\">Payments technology 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\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/\">Payments and Market Infrastructure<\/a><\/span><\/div><\/li><li><div><span class=\"nx-register-k\">Applied in<\/span><span class=\"nx-register-v\">Digital Public 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, Simulator, 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=\"Application, Simulator, Data\"><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\">Simulator<\/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><\/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 digital public infrastructure and cyber and digital resilience, 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=\"20\" height=\"12\" x=\"2\" y=\"6\" rx=\"2\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><path d=\"M6 12h.01M18 12h.01\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Fast payment system design<\/h3><p class=\"nx-p nx-mt-1\">Fast payment systems are designed with participation rules, settlement arrangements, ISO 20022 messaging and fraud controls, following CPMI guidance.<\/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=\"M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Fraud prevention for instant payments<\/h3><p class=\"nx-p nx-mt-1\">Confirmation of payee, transaction monitoring and reimbursement rules are assessed for reducing scams on irrevocable payments.<\/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\"><circle cx=\"6\" cy=\"19\" r=\"3\"\/><path d=\"M9 19h8.5a3.5 3.5 0 0 0 0-7h-11a3.5 3.5 0 0 1 0-7H15\"\/><circle cx=\"18\" cy=\"5\" r=\"3\"\/><\/svg><\/span><\/div><h3 class=\"nx-h3 nx-mt-2\">Government-to-person payment rails<\/h3><p class=\"nx-p nx-mt-1\">Benefit payment flows are mapped from agency to recipient to identify delays, costs and exclusion points.<\/p><\/article><\/div><\/div><\/div><\/section><section id=\"nx-sec-instrument\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" 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\">Simulator<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Contagion on an interbank network.<\/h2><p class=\"nx-lede\">A loss on external assets distresses banks in proportion to their leverage; DebtRank passes the distress along interbank exposures, round by round, until it settles. 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=\"Contagion on an interbank network\"><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\">Contagion on an interbank network. 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:\/\/therisk.global\/digital-public-infrastructure\/foundry\/\">Digital Public 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:\/\/therisk.global\/digital-public-infrastructure\/universe\/\">Digital Public 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\/open-infrastructure\/\">Open Infrastructure and Developers 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:\/\/therisk.global\/digital-public-infrastructure\/reports\/\">Digital Public 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\/technology-digital\/\">Faculty of Technology and Digital Systems 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\" data-variant=\"band\" 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:\/\/therisk.global\/digital-public-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<\/td><td data-label=\"Label\"><span class=\"nx-chip\">Published statistics<\/span><\/td><\/tr><tr><td data-label=\"Data\">Fraud reports<\/td><td data-label=\"Role\">Losses<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Data\">Programme payment records<\/td><td data-label=\"Role\">Transfers<\/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:\/\/gcri\/G-P18\/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:\/\/gcri\/G-P18\/stem\/payments-technology\/#evidence\" data-nxf-title=\"Evidence\" 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=\"Methods and evidence, Validation, Connections\"><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 and evidence, Validation, Connections\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-audience\" aria-selected=\"true\" data-key=\"p1\">Methods and evidence<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-checks\" aria-selected=\"false\" data-key=\"p2\">Validation<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-connections\" aria-selected=\"false\" data-key=\"p3\">Connections<\/button><\/div><section id=\"nx-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-5\" 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\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and evidence<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">How payments technology is modelled, measured and tested.<\/h2><p class=\"nx-lede\">The model, its assumptions, its data and its uncertainty, in the form a scientist or engineer would check. Structures follow published methods. The values drawn are illustrative, not findings.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-au\" data-au-voice=\"science\" data-au-n=\"1\"><figure class=\"nx-au-c\" data-au-fig=\"datasets\"><h3 class=\"nx-h4\">Datasets and provenance<\/h3><p class=\"nx-p nx-au-what\">The data classes behind payments technology and what is recorded about each before it is used.<\/p><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Data class<\/th><th scope=\"col\">Provenance recorded<\/th><th scope=\"col\">Resolution stated<\/th><th scope=\"col\">Licence checked<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Data class\">Satellite imagery, optical and radar<\/td><td data-label=\"Provenance recorded\">sensor, processing level, acquisition date<\/td><td data-label=\"Resolution stated\">pixel size and revisit<\/td><td data-label=\"Licence checked\">per scene<\/td><\/tr><tr><td data-label=\"Data class\">Reanalysis and climate model output<\/td><td data-label=\"Provenance recorded\">model, experiment, member, version<\/td><td data-label=\"Resolution stated\">grid and time step<\/td><td data-label=\"Licence checked\">per release<\/td><\/tr><tr><td data-label=\"Data class\">In-situ sensors and gauges<\/td><td data-label=\"Provenance recorded\">station, instrument, calibration record<\/td><td data-label=\"Resolution stated\">point and sampling rate<\/td><td data-label=\"Licence checked\">per network<\/td><\/tr><tr><td data-label=\"Data class\">Population and asset exposure<\/td><td data-label=\"Provenance recorded\">method, vintage, input sources<\/td><td data-label=\"Resolution stated\">cell size and unit<\/td><td data-label=\"Licence checked\">per release<\/td><\/tr><tr><td data-label=\"Data class\">Boundaries and reference geography<\/td><td data-label=\"Provenance recorded\">producer, edition, date<\/td><td data-label=\"Resolution stated\">scale<\/td><td data-label=\"Licence checked\">per edition<\/td><\/tr><\/tbody><\/table><\/div><dl class=\"nx-au-kv\"><div><dt>Lineage<\/dt><dd>W3C PROV record from source to figure<\/dd><\/div><div><dt>Principles<\/dt><dd>FAIR: findable, accessible, interoperable, reusable<\/dd><\/div><div><dt>Gaps<\/dt><dd>shown as missing, never filled silently<\/dd><\/div><\/dl><figcaption class=\"nx-caption\"><span>Data classes and the provenance fields recorded for each; a dataset is listed by name only once its licence admits the use.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">FAIR guiding principles \u00b7 GO FAIR and FORCE11<\/span><span class=\"nx-chip\">W3C PROV \u00b7 World Wide Web Consortium<\/span><span class=\"nx-chip\">Guidance on consistent treatment of uncertainties \u00b7 IPCC<\/span><span class=\"nx-chip\">CEOS Analysis Ready Data \u00b7 Committee on Earth Observation Satellites<\/span><\/div><\/div><\/div><\/section><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-2\"><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\">Standards conformance<\/td><td data-label=\"How it is done\">Messages are checked against ISO 20022 specifications<\/td><\/tr><tr><td data-label=\"Check\">Fraud control evaluation<\/td><td data-label=\"How it is done\">Effects of controls are measured over time<\/td><\/tr><tr><td data-label=\"Check\">Settlement risk review<\/td><td data-label=\"How it is done\">Settlement arrangements are reviewed against the PFMI<\/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=\"infrastructure\" data-variant=\"split\" aria-labelledby=\"nx-s-7\" 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\">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:\/\/therisk.global\/digital-public-infrastructure\/topics\/digital-payments-and-services\/\"><span>Digital payments and services<\/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:\/\/therisk.global\/digital-public-infrastructure\/topics\/digital-service-resilience\/\"><span>Digital service 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:\/\/therisk.global\/digital-public-infrastructure\/topics\/digital-public-value\/\"><span>Digital public value<\/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><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-3\" data-hue=\"infrastructure\" aria-label=\"Stewardship, Connected, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Stewardship, Connected, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-stewardship\" aria-selected=\"true\" data-key=\"p1\">Stewardship<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-2\" aria-controls=\"nx-s-9-sec\" aria-selected=\"false\" data-key=\"p2\">Connected<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-3\" aria-controls=\"nx-s-10-sec\" aria-selected=\"false\" data-key=\"p3\">Questions<\/button><\/div><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-3-tab-1\"><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\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/\">Payments and Market Infrastructure<\/a> 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=\"infrastructure\" aria-labelledby=\"nx-s-9\" 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\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connected<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where this page leads across the Consortium.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/stem\/payments-technology\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Steward platform<\/span><span class=\"nx-dest-host\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr><\/span><\/span><span class=\"nx-dest-title\">Payment and financial market technology at Payments and Market Infrastructure<\/span><span class=\"nx-dest-why\">Payments and Market Infrastructure stewards this method.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-10-sec\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-10\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-10\" 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\">GCRI<\/span><span class=\"nx-chip\">Digital Public Infrastructure<\/span><span class=\"nx-chip\">Strategic Systems<\/span><span class=\"nx-chip\">Exponential Technology<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/digital-public-infrastructure\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GCRI<\/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:\/\/therisk.global\/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:\/\/therisk.global\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">GCRI<\/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:\/\/gcri\/digital-public-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-l-public-infrastructure-stem-payments-technology-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-l-public-infrastructure-stem-payments-technology-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-l-public-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\/technology-digital\/digital-public-infrastructure\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Digital public infrastructure and digital identity<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\/open-infrastructure\/registries-and-resolver\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Registries and the resolver<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-11\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Digital Public Infrastructure<\/span><h2 id=\"nx-close-11\" class=\"nx-section-title\">Bring a method, a dataset or a question.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. 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