%PDF-1.4 % 66 0 obj <> endobj 68 0 obj <> endobj 72 0 obj <>stream /Artifact <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .29 1 .45 .09 k /GS1 gs 254.732 49.867 348.268 133.469 re f EMC /P <>BDC /GS2 gs BT /F1 1 Tf 7 0 0 7 490.9954 20.9379 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 512.4738 20.9379 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 20.9379 Tm 0 .65 0 0 k [( V)6.4(OL 3)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 20.9379 Tm 0 .65 0 0 k (1)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 36.946 20.9698 Tm 0 0 0 1 k [( 2020 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /F2 1 Tf 7 0 0 7 144.5779 20.9698 Tm [(www)60.6(.isaca.org)]TJ ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 36.9339 566.251 Tm -.005 Tc [(The nancial technology, or ntech,)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 181.8448 570.0261 Tm 0 Tc (1)Tj ET EMC /P <>BDC BT 9 0 0 9 184.832 566.251 Tm -.005 Tc [( re)6.4(v)7.3(olution is)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.0338 566.251 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 554.2511 Tm -.005 Tc [(happening right now)60.6(.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 119.2358 558.0261 Tm 0 Tc (2)Tj ET EMC /P <>BDC BT 9 0 0 9 122.2232 554.2511 Tm -.005 Tc ( Mobile payments are)Tj ET EMC /P <>BDC BT 9 0 0 9 207.2981 554.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 542.2511 Tm -.005 Tc (changing consumer spending habits, online)Tj ET EMC /P <>BDC BT 9 0 0 9 208.2253 542.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 530.2511 Tm -.005 Tc [(br)9.8(oker)19.5(age ser)-8.8(vices are creating oppor)-24.4(tunities t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 225.6292 530.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 518.2511 Tm -.005 Tc [(make investments fr)9.8(om home, nancial chatbots)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.8906 518.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 506.2511 Tm -.005 Tc [(are advising individuals about new pr)9.8(oducts and)]TJ ET EMC /P <>BDC BT 9 0 0 9 226.8431 506.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 494.2511 Tm -.005 Tc [(ser)-8.8(vices, online banking is par)-24.4(t of day-t)9.8(o-day lives,)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.5254 494.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 482.2511 Tm -.005 Tc [(and crypt)9.8(ocurrencies are becoming an impor)-24.4(tant)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.371 482.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 470.2511 Tm -.005 Tc [(component of asset por)-24.4(tfolios.)]TJ ET EMC /P <>BDC BT 9 0 0 9 159.119 470.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 446.2511 Tm -.005 Tc (The term ntech was used as early as 1972 and)Tj ET EMC /P <>BDC BT 9 0 0 9 231.4486 446.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 434.2511 Tm -.005 Tc [(was dened as: an acr)9.8(onym which stands for)]TJ ET EMC /P <>BDC BT 9 0 0 9 224.1084 434.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 422.2511 Tm -.005 Tc [(nancial technology, combining bank exper)-24.4(tise with)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.7662 422.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 410.2511 Tm -.005 Tc (modern management science techniques and the)Tj ET EMC /P <>BDC BT 9 0 0 9 232.3569 410.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 398.2511 Tm -.005 Tc [(computer)60.1(.)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 79.2736 402.0261 Tm 0 Tc (3)Tj ET EMC /P <>BDC BT 9 0 0 9 82.2608 398.2511 Tm -.005 Tc [( )19.5(T)48.4(oday, ntech is dened as the )9.8(new)]TJ ET EMC /P <>BDC BT 9 0 0 9 227.7046 398.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 386.2511 Tm -.005 Tc [(nancial industry that applies technology t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 208.5385 386.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 374.2511 Tm -.005 Tc [(impr)9.8(o)7.3(ve nancial activities.)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 146.7846 378.0261 Tm 0 Tc (4)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 149.7719 378.0261 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 350.2511 Tm -.005 Tc (Fintech has become the epicenter of nancial)Tj ET EMC /P <>BDC BT 9 0 0 9 216.541 350.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 338.2511 Tm -.005 Tc [(inno)7.3(v)7.3(ation, pr)9.8(oducing a great deal of v)7.3(alue for)]TJ ET EMC /P <>BDC BT 9 0 0 9 217.0433 338.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 326.251 Tm -.005 Tc [(clients and invest)9.8(ors, but also gener)19.5(ating numer)9.8(ous)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.2291 326.251 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 314.251 Tm -.005 Tc (risk scenarios.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 94.2714 318.0261 Tm 0 Tc (5)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 97.2585 317.221 Tm -.0083 Tc (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 99.5654 318.0261 Tm 0 Tc (6)Tj ET EMC /P <>BDC BT 9 0 0 9 102.5528 314.251 Tm -.005 Tc [( )19.5(Therefore, based on the Pr)9.8(oject)]TJ ET EMC /P <>BDC BT 9 0 0 9 228.3525 314.251 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 302.251 Tm -.005 Tc [(Management Institute)39.1()54.7(s)0( \(PMI)54.7(s\) denition of risk,)]TJ ET EMC /P <>BDC BT 9 0 0 9 227.0344 302.251 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 290.251 Tm -.005 Tc [(ntech risk can be dened as )24.4(an uncer)-24.4(tain e)6.4(vent)]TJ ET EMC /P <>BDC BT 9 0 0 9 236.4464 290.251 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 278.251 Tm -.005 Tc (or condition that, if it occurs, creates a threat or)Tj ET EMC /P <>BDC BT 9 0 0 9 223.4058 278.251 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 266.251 Tm -.005 Tc [(oppor)-24.4(tunity for a ntech initiative.)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 172.0229 270.0261 Tm 0 Tc (7)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 175.0103 270.0261 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 242.251 Tm -.005 Tc [(It is wor)-24.4(thwhile t)9.8(o)0( examine how t)9.8(o)0( apply ntech risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.7202 242.251 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 230.251 Tm -.005 Tc [(assessment t)9.8(o)0( a hypothetical ntech star)-24.4(t-up. )19.5(This)]TJ ET EMC /P <>BDC BT 9 0 0 9 236.5431 230.251 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 218.251 Tm -.005 Tc [(pr)9.8(ocess illustr)19.5(ates the integr)19.5(ation of a ntech risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.7685 218.251 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 206.251 Tm -.005 Tc (assessment model with a ntech risk management)Tj ET EMC /P <>BDC BT 9 0 0 9 238.5907 206.251 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 194.251 Tm -.005 Tc [(fr)19.5(amework.)]TJ ET EMC /P <>BDC BT 9 0 0 9 81.9015 194.251 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 11 0 0 11 36.9339 168.2511 Tm .29 1 .45 .09 k -.005 Tc [(The Fintech E)9.3(cosystem)]TJ ET EMC /P <>BDC BT 11 0 0 11 150.8818 168.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 36.9339 150.2511 Tm 0 0 0 1 k -.005 Tc [(The ntech industry)54.7(s ecosystem consists of )]TJ ET EMC /P <>BDC BT 9 0 0 9 214.6206 150.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9339 138.2511 Tm -.005 Tc (ve elements:)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 91.7905 142.0261 Tm 0 Tc (8)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 94.7777 142.0261 Tm ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 36.9339 120.2511 Tm .73 .19 0 0 k -.005 Tc (1. )Tj ET EMC /P <>BDC BT 9 0 0 9 46.8185 120.2511 Tm [(Fintech star)-24.4(t-ups)]TJ ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 115.5444 120.2511 Tm 0 0 0 1 k (Wealth management,)Tj ET EMC /P <>BDC BT 9 0 0 9 206.4651 120.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 46.8088 108.2511 Tm -.005 Tc [(payment, capital market, cr)9.8(owdfunding, lending)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.8343 108.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 46.8088 96.2511 Tm -.005 Tc [(and insur)19.5(ance enterprises)]TJ ET EMC /P <>BDC BT 9 0 0 9 148.8547 96.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 36.9339 78.2511 Tm .73 .19 0 0 k -.249 Tc [(2)-244( .)-244( )]TJ ET EMC /P <>BDC BT 9 0 0 9 46.5548 78.2511 Tm -.005 Tc [(Technology de)6.4(velopers)]TJ ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 139.8815 78.2511 Tm 0 0 0 1 k [(Crypt)9.8(ocurrency, cloud)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.6406 78.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 46.8088 66.2511 Tm -.005 Tc (computing, big data analytics and media)Tj ET EMC /P <>BDC BT 9 0 0 9 206.3558 66.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 46.8088 54.2511 Tm -.005 Tc [(de)6.4(velopers)]TJ ET EMC /P <>BDC BT 9 0 0 9 90.0934 54.2511 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 254.4339 617.3285 Tm .73 .19 0 0 k -.005 Tc (3. )Tj ET EMC /P <>BDC BT 9 0 0 9 264.3184 617.3285 Tm [(Financial cust)14.7(omers)]TJ ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 345.1405 617.3285 Tm 0 0 0 1 k (Enterprises and individuals)Tj ET EMC /P <>BDC BT 9 0 0 9 458.174 617.3285 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 254.4339 599.3285 Tm .73 .19 0 0 k -.005 Tc (4. )Tj ET EMC /P <>BDC BT 9 0 0 9 264.0548 599.3285 Tm [(T)31.8(r)14.7(aditional nancial institutions)]TJ ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 390.9521 599.3285 Tm 0 0 0 1 k (Conventional)Tj ET EMC /P <>BDC BT 9 0 0 9 449.7463 599.3285 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 264.3088 587.3285 Tm -.005 Tc [(banks, insur)19.5(ance enterprises, st)9.8(ock br)9.8(oker)19.5(age)]TJ ET EMC /P <>BDC BT 9 0 0 9 444.5698 587.3285 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 264.3088 575.3285 Tm -.005 Tc (rms and venture capitalist enterprises)Tj ET EMC /P <>BDC BT 9 0 0 9 418.2087 575.3285 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 254.4339 557.3286 Tm .73 .19 0 0 k -.02 Tc [(5. Go)7.3(vernment)]TJ ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 311.741 557.3286 Tm 0 0 0 1 k [(Financial regulat)9.8(ors and legislatures)]TJ ET EMC /P <>BDC BT 9 0 0 9 456.3463 557.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 11 0 0 11 254.4339 531.3286 Tm .29 1 .45 .09 k -.005 Tc (The Concept of Fintech Risk Management)Tj ET EMC /P <>BDC BT 11 0 0 11 459.5668 531.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 254.4339 513.3286 Tm 0 0 0 1 k -.005 Tc (By adapting some fundamental ideas coming )Tj ET EMC /P <>BDC BT 9 0 0 9 435.4186 513.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 501.3286 Tm -.005 Tc [(fr)9.8(om se)6.4(ver)19.5(al scholarly and pr)19.5(actitioner sour)9.3(ces,)]TJ ET EMC /P <>BDC BT 9 0 0 9 441.1606 501.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 489.3286 Tm -.005 Tc [(ntech risk management can be dened as )24.4(a)]TJ ET EMC /P <>BDC BT 9 0 0 9 440.646 489.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 477.3286 Tm -.005 Tc (collection of phases concerned with ntech risk)Tj ET EMC /P <>BDC BT 9 0 0 9 442.5544 477.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 465.3286 Tm -.005 Tc (organizing and planning, ntech risk assessment,)Tj ET EMC /P <>BDC BT 9 0 0 9 448.6223 465.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 453.3286 Tm -.005 Tc [(ntech risk reaction, and ntech risk monit)9.8(oring )]TJ ET EMC /P <>BDC BT 9 0 0 9 444.0861 453.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 441.3286 Tm -.005 Tc [(and contr)9.8(ol.)83()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 303.8721 445.1035 Tm 0 Tc (9)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 306.8593 444.2986 Tm -.0083 Tc (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 309.1662 445.1035 Tm (10)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 315.1406 444.2986 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 317.4474 445.1035 Tm (11)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 323.4221 444.2986 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 325.7289 445.1035 Tm (12)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 331.7033 444.2986 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 334.0103 445.1035 Tm (13)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 339.9848 445.1035 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 417.3286 Tm -.02 Tc (Accordingly, in light of a ntech initiative, there are)Tj ET EMC /P <>BDC BT 9 0 0 9 444.8157 417.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 405.3286 Tm -.02 Tc [(four elements t)9.8(o)0( the pre)6.4(vious denition. )19.5(The rst)]TJ ET EMC /P <>BDC BT 9 0 0 9 439.2292 405.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 393.3286 Tm -.02 Tc (element deals with ntech risk organizing and)Tj ET EMC /P <>BDC BT 9 0 0 9 429.0199 393.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 381.3286 Tm -.02 Tc [(planning, which has t)9.8(o)0( do with structuring and putting)]TJ ET EMC /P <>BDC BT 9 0 0 9 458.1398 381.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 369.3286 Tm -.02 Tc [(t)9.8(ogether a ntech risk team. In this phase, a risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 436.0521 369.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 357.3286 Tm -.02 Tc [(management appr)9.8(oach is dened and a plan is)]TJ ET EMC /P <>BDC BT 9 0 0 9 433.1767 357.3286 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F4 1 Tf 30 0 0 30 36.637 660.6805 Tm 0 .65 0 0 k -.025 Tc (A Fintech Risk Assessment Model)Tj ET EMC /P <>BDC BT /F3 1 Tf 11 0 0 11 266.1606 169.9755 Tm 0 0 0 0 k -.02 Tc [(L)6.9(uis Emilio Alv)7.3(arez-Dionisi, Ph.D.)]TJ ET EMC /P <>BDC BT 11 0 0 11 423.1124 169.9755 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 266.1606 159.1756 Tm [(Is a ntech pr)9.8(ofessor and management consultant. He has pr)9.8(o)7.3(vided)]TJ ET EMC /P <>BDC BT 9 0 0 9 536.8947 159.1756 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.1606 148.3756 Tm [(advisory ser)-8.8(vices t)9.8(o)0( chief executive ofcers, boards of direct)9.8(ors and senior)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.2769 148.3756 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.1606 137.5756 Tm [(managers of F)10.3(o)0(r)-24.4(tune 500 companies and has consulted on pr)9.8(oject,)]TJ ET EMC /P <>BDC BT 9 0 0 9 533.313 137.5756 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.1606 126.7755 Tm [(pr)9.8(ogr)19.5(am and por)-24.4(tfolio management with numer)9.8(ous enterprises worldwide,)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.4005 126.7755 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.1606 115.9755 Tm [(including Intel, IBM, Mer)9.3(ck, Che)6.4(vr)9.8(on, Isuzu, Smiths Detection, the Beijing)]TJ ET EMC /P <>BDC BT 9 0 0 9 551.4097 115.9755 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.1606 105.1756 Tm [(2008 Olympic Games, Citibank, Standard Char)-24.4(tered Bank and the)]TJ ET EMC /P <>BDC BT 9 0 0 9 524.5898 105.1756 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.1606 94.3756 Tm [(Go)7.3(vernment of Singapore Investment Corpor)19.5(ation \(GIC)12.7(\). His resear)9.3(ch)]TJ ET EMC /P <>BDC BT 9 0 0 9 542.1154 94.3756 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.1606 83.5756 Tm [(focuses on ntech risk management, ntech r)9.8(obo-advisory consulting,)]TJ ET EMC /P <>BDC BT 9 0 0 9 545.5562 83.5756 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.1606 72.7755 Tm [(ntech go)7.3(vernance structures and ntech star)-24.4(t-up fundr)19.5(aising. He can be)]TJ ET EMC /P <>BDC BT 9 0 0 9 557.0831 72.7755 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.1606 61.9755 Tm [(reached at dr)60.1(.luis.alv)7.3(arez@outlook.com.)]TJ ET EMC /Artifact <>BDC 0 .65 0 0 k 36.934 586.819 205.5 39.94 re f EMC /P <>BDC BT /F3 1 Tf 9 0 0 9 77.5561 609.7004 Tm 0 0 0 0 k (Disponible tambin en espaol)Tj ET EMC /P <>BDC BT 9 0 0 9 201.8643 609.7004 Tm ( )Tj ET EMC /P <>BDC BT /F5 1 Tf 9 0 0 9 84.0776 595.457 Tm [(www)60.6(.isaca.org/currentissue)]TJ ET EMC /Artifact <>BDC 513.921 692.116 53.716 54.884 re f EMC /Figure <>BDC Q /GS1 gs BT /F6 1 Tf 9 0 0 9 513.9216 721.5889 Tm .24314 .96078 .39216 .12941 k .0249 Tc 0 Tw (FEATURE)Tj ET q 1 i 514.046 747 53.591 -54.759 re W n q 1 0 0 1 567.637 747 cm 0 0 m 0 -54.884 l -9.375 -54.884 l -9.375 -9.9448 l -49.977 -9.9448 l -49.977 0 l 0 0 l f Q EMC /Figure <>BDC Q q 1 i 241.821 389.003 364.372 -247.2 re W n 253.309 351.684 349.503 -161.023 re W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n q 352.962 0 0 163.893 251.709 189.265 cm /Im2 Do Q EMC Q endstream endobj 73 0 obj <>/XObject<>/ExtGState<>>> endobj 110 0 obj <> endobj 115 0 obj <> endobj 120 0 obj <> endobj 125 0 obj <> endobj 130 0 obj <> endobj 139 0 obj <> endobj 145 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /F1 1 Tf 7 0 0 7 39.4019 20.9698 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 60.8804 20.9698 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7275 20.9698 Tm 0 .65 0 0 k [( V)6.4(OL 3)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 20.9698 Tm 0 .65 0 0 k (2)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 413.8918 20.9379 Tm 0 0 0 1 k [( 2020 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /F2 1 Tf 7 0 0 7 521.5236 20.9379 Tm [(www)60.6(.isaca.org)]TJ ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 143.5883 581.1185 Tm -.02 Tc [(established t)9.8(o)0( address the risk of a ntech)]TJ ET EMC /P <>BDC BT 9 0 0 9 305.2497 581.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 569.1185 Tm -.02 Tc [(organization. )19.5(The second element deals with ntech)]TJ ET EMC /P <>BDC BT 9 0 0 9 342.4069 569.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 557.1185 Tm -.02 Tc [(risk assessment, which has t)9.8(o)0( do with per)-7.3(forming a)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.7174 557.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 545.1185 Tm -.02 Tc (detailed identication of the ntech enterprise risk)Tj ET EMC /P <>BDC BT 9 0 0 9 334.2729 545.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 533.1185 Tm -.02 Tc [(area and ntech inno)7.3(v)7.3(ative solutions risk area. )19.5(This is)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.9914 533.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 521.1185 Tm -.02 Tc (the phase in which qualitative and quantitative ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 348.0019 521.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 509.1185 Tm -.02 Tc [(risk analyses are per)-7.3(formed. )19.5(The third element is the)]TJ ET EMC /P <>BDC BT 9 0 0 9 343.4885 509.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 497.1185 Tm -.02 Tc (ntech risk reaction)Tj ET EMC /P <>BDC BT /F2 1 Tf 9 0 0 9 218.8442 497.1185 Tm (, )Tj ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 222.4482 497.1185 Tm [(which establishes an appr)9.8(oach)]TJ ET EMC /P <>BDC BT 9 0 0 9 340.6624 497.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 485.1185 Tm -.02 Tc [(t)9.8(o)0( respond t)9.8(o)0( the identied risk. Finally, the last)]TJ ET EMC /P <>BDC BT 9 0 0 9 322.0297 485.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 473.1185 Tm -.02 Tc [(element deals with ntech risk monit)9.8(or and contr)9.8(ol,)]TJ ET EMC /P <>BDC BT 9 0 0 9 338.3817 473.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 461.1185 Tm -.02 Tc [(which has t)9.8(o)0( do with following up and o)7.3(verseeing the)]TJ ET EMC /P <>BDC BT 9 0 0 9 345.334 461.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 449.1185 Tm -.02 Tc (ntech risk of the organization.)Tj ET EMC /P <>BDC BT 9 0 0 9 261.6406 449.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 11 0 0 11 143.5883 423.1185 Tm .29 1 .45 .09 k -.005 Tc (The Risk Assessment Model)Tj ET EMC /P <>BDC BT 11 0 0 11 283.0386 423.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 143.5883 405.1185 Tm 0 0 0 1 k -.005 Tc [(Based on numer)9.8(ous perspectives coming fr)9.8(om)]TJ ET EMC /P <>BDC BT 9 0 0 9 328.1547 405.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 393.1185 Tm -.005 Tc [(scholars and pr)19.5(actitioners, the pr)9.8(oposed ntech risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 348.0823 393.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 381.1185 Tm -.005 Tc [(assessment model includes three pr)9.8(ocesses:)]TJ ET EMC /P <>BDC BT 9 0 0 9 321.9056 381.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 369.1185 Tm -.005 Tc [(identify ntech risk, per)-7.3(form qualitative risk analysis)]TJ ET EMC /P <>BDC BT 9 0 0 9 348.1494 369.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 357.1185 Tm -.005 Tc [(and per)-7.3(form quantitative risk analysis. Howe)6.4(ver)60.1(, the)]TJ ET EMC /P <>BDC BT 9 0 0 9 347.3748 357.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 345.1185 Tm -.005 Tc [(most no)7.3(vel aspect of this model is its orientation)]TJ ET EMC /P <>BDC BT 9 0 0 9 335.8851 345.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 333.1185 Tm -.005 Tc [(t)9.8(oward ntech enterprise risk areas and ntech)]TJ ET EMC /P <>BDC BT 9 0 0 9 329.0909 333.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 321.1185 Tm -.005 Tc [(inno)7.3(v)7.3(ative solutions )]TJ ET EMC /P <>BDC /GS1 gs BT 9 0 0 9 224.5051 321.1185 Tm .78 .761 .741 .855 k 0 Tc (risk areas as depicted in)Tj ET EMC /P <>BDC /GS2 gs BT 9 0 0 9 321.3517 321.1185 Tm 0 0 0 1 k ( )Tj ET EMC /P <>BDC BT 9 0 0 9 323.5348 321.1185 Tm ( )Tj ET EMC /P <>BDC BT /F3 1 Tf 9 0 0 9 143.5883 309.1185 Tm -.005 Tc (gure 1)Tj ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 174.4746 309.1185 Tm 0 Tc (.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 176.7982 312.8934 Tm -.0083 Tc (14)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 182.7728 312.0885 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 185.0796 312.8934 Tm (15)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 191.0542 312.0885 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 193.361 312.8934 Tm (16)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 199.3356 312.0885 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 201.6424 312.8934 Tm (17)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 207.6169 312.0885 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 209.9238 312.8934 Tm (18)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 215.8983 312.0885 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 218.205 312.8934 Tm (19)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 224.1797 312.0885 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 226.4865 312.8934 Tm (20)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 232.4612 312.0885 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 234.7679 312.8934 Tm (21)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 240.7424 312.0885 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 243.0493 312.8934 Tm (22)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 249.0238 312.0885 Tm (, )Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 251.3306 312.8934 Tm (23)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 257.3052 312.8934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 141.1185 Tm -.005 Tc [(It is impor)-24.4(tant t)9.8(o)0( mention that this model is already)]TJ ET EMC /P <>BDC BT 9 0 0 9 345.0094 141.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 129.1185 Tm -.005 Tc (embedded in the ntech risk management)Tj ET EMC /P <>BDC BT 9 0 0 9 310.084 129.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 117.1185 Tm -.005 Tc [(fr)19.5(amework discussed later)60.1(. It is also impor)-24.4(tant t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 336.6542 117.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 105.1185 Tm -.005 Tc [(point out that the purpose here is not t)9.8(o)0( de)6.4(velop a)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.4876 105.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 93.1185 Tm -.005 Tc [(ntech risk management methodology. )19.5(The intent)]TJ ET EMC /P <>BDC BT 9 0 0 9 340.0113 93.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 81.1185 Tm -.005 Tc [(is t)9.8(o)0( adopt pr)9.8(o)7.3(ven best pr)19.5(actices \(in terms of risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 336.7806 81.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.5883 69.1185 Tm -.005 Tc [(management fr)19.5(ameworks\), backed up by new)]TJ ET EMC /P <>BDC BT 9 0 0 9 323.415 69.1185 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 679.592 Tm -.005 Tc [(concepts originating fr)9.8(om ntech resear)9.3(chers )]TJ ET EMC /P <>BDC BT 9 0 0 9 543.7606 679.592 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 667.592 Tm -.005 Tc [(and pr)19.5(actitioners.)]TJ ET EMC /P <>BDC BT 9 0 0 9 430.5502 667.592 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 643.592 Tm -.005 Tc [(The components of the pr)9.8(oposed ntech risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 538.7538 643.592 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 631.592 Tm -.005 Tc (assessment model can be described as:)Tj ET EMC /P <>BDC BT 9 0 0 9 520.2361 631.592 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 372.516 613.592 Tm .73 .19 0 0 k -.005 Tc (Identify ntech risk)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 450.1247 613.592 Tm 0 0 0 1 k [(This pr)9.8(ocess recognizes)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 553.3052 613.592 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F7 1 Tf 12 0 0 12 361.5 613.592 Tm .73 .19 0 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 372.516 601.592 Tm 0 0 0 1 k -.005 Tc [(and documents the risk fact)9.8(ors that may affect)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 557.8999 601.592 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 589.592 Tm -.005 Tc (the ntech initiative.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 451.9463 589.592 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 372.516 571.616 Tm .73 .19 0 0 k -.005 Tc [(Per)-9.8(form qualitative risk analysis)]TJ ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 501.9491 571.616 Tm 0 0 0 1 k [(This pr)9.8(ocess)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 559.6709 571.616 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F7 1 Tf 12 0 0 12 361.5 571.616 Tm .73 .19 0 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 372.516 559.616 Tm 0 0 0 1 k -.005 Tc [(determines the pr)9.8(obability of occurrence of the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 557.3627 559.616 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 547.616 Tm -.005 Tc (ntech risk and the impact on the ntech)Tj ET EMC /LBody <>BDC BT 9 0 0 9 533.4286 547.616 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 535.616 Tm -.005 Tc (initiative. Qualitative risk analysis might use)Tj ET EMC /LBody <>BDC BT 9 0 0 9 544.5 535.616 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 523.616 Tm -.005 Tc [(numeric r)19.5(atings and nonnumeric r)19.5(atings by)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 541.2587 523.616 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 511.616 Tm -.005 Tc (means of a low-medium-high scorecard.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 531.4279 511.616 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 372.516 493.64 Tm .73 .19 0 0 k -.005 Tc [(Per)-9.8(form quantitative risk analysis)]TJ ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 507.5994 493.64 Tm 0 0 0 1 k [(This pr)9.8(ocess)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 565.3213 493.64 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F7 1 Tf 12 0 0 12 361.5 493.64 Tm .73 .19 0 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 372.516 481.64 Tm 0 0 0 1 k -.005 Tc [(inv)7.3(olves a mathematical calculation of the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 539.0251 481.64 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 469.64 Tm -.005 Tc [(expected monetary v)7.3(alue \(EMV)-9.7(\) of a risk.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 534.5667 469.64 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 372.516 451.6641 Tm .73 .19 0 0 k -.005 Tc (Address ntech enterprise risk area)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 515.8821 451.6641 Tm 0 0 0 1 k (This)Tj ET EMC /LBody <>BDC BT 9 0 0 9 539.8358 451.6641 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F7 1 Tf 12 0 0 12 361.5 451.6641 Tm .73 .19 0 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 372.516 439.6641 Tm 0 0 0 1 k -.005 Tc (component includes six ntech challenges:)Tj ET EMC /LBody <>BDC BT 9 0 0 9 542.5419 439.6641 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 427.6641 Tm -.005 Tc [(investment management, cust)9.8(omer)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 512.7881 427.6641 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 415.6641 Tm -.005 Tc [(management, regulation, technology integr)19.5(ation,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 562.5307 415.6641 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 403.6641 Tm -.005 Tc [(security and priv)7.3(acy, and risk management)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 540.8544 403.6641 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 391.6641 Tm -.005 Tc [(pr)19.5(actices.)]TJ ET EMC /LBody <>BDC BT 5.4 0 0 5.4 411.2039 395.439 Tm -.0083 Tc (24)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 417.1785 395.439 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 372.516 373.6881 Tm .73 .19 0 0 k -.005 Tc [(Implement ntech inno)7.3(v)7.3(ative solutions risk)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 545.2786 373.6881 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC BT /F7 1 Tf 12 0 0 12 361.5 373.6881 Tm ()Tj ET EMC /LBody <>BDC BT /F3 1 Tf 9 0 0 9 372.516 361.6881 Tm -.005 Tc (area)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 390.1339 361.6881 Tm 0 0 0 1 k (This component examines the risk)Tj ET EMC /LBody <>BDC BT 9 0 0 9 532.9616 361.6881 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 349.6881 Tm -.005 Tc (associated with implementing technologically)Tj ET EMC /LBody <>BDC BT 9 0 0 9 556.1783 349.6881 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 337.6881 Tm -.005 Tc [(enabled nancial inno)7.3(v)7.3(ations that could result in)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 562.8934 337.6881 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 325.6881 Tm -.005 Tc [(new business models, applications, pr)9.8(ocesses,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 556.8815 325.6881 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 313.6881 Tm -.005 Tc [(pr)9.8(oducts or ser)-8.8(vices,)83()]TJ ET EMC /LBody <>BDC BT 5.4 0 0 5.4 457.0572 317.463 Tm -.0083 Tc (25)Tj ET EMC /LBody <>BDC BT 9 0 0 9 463.0317 313.6881 Tm -.005 Tc ( as highlighted in the)Tj ET EMC /LBody <>BDC BT 9 0 0 9 544.611 313.6881 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 301.6881 Tm -.005 Tc (denition of ntech presented by the Financial)Tj ET EMC /LBody <>BDC BT 9 0 0 9 554.5513 301.6881 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.516 289.6881 Tm -.005 Tc (Stability Board \(FSB\).)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 456.2002 293.463 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 265.6881 Tm -.005 Tc (The two risk areas describedntech enterprise)Tj ET EMC /P <>BDC BT 9 0 0 9 551.0236 265.6881 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 253.6881 Tm -.005 Tc [(and ntech inno)7.3(v)7.3(ative solutionscan be br)9.8(oken)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.135 253.6881 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 241.6881 Tm -.005 Tc [(down int)9.8(o se)6.4(ver)19.5(al categories, as illustr)19.5(ated in )]TJ ET EMC /P <>BDC BT 9 0 0 9 540.668 241.6881 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /F3 1 Tf 9 0 0 9 361.5 229.6881 Tm -.005 Tc (gure 2)Tj ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 392.3863 229.6881 Tm [(. Howe)6.4(ver)60.1(, in this model, the risk categories)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.6672 229.6881 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 217.6881 Tm -.005 Tc [(ha)7.3(ve been ele)6.4(v)7.3(ated t)9.8(o)0( the le)6.4(vel of pr)9.8(ocesses t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 545.7184 217.6881 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 205.6881 Tm -.005 Tc [(pr)9.8(o)7.3(vide the right t)9.8(ools t)9.8(o)0( sear)9.3(ch for ntech risk.)]TJ ET EMC /P <>BDC BT 9 0 0 9 547.6665 205.6881 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 11 0 0 11 361.5 179.6881 Tm .29 1 .45 .09 k -.005 Tc [(The Risk Management F)12.7(r)14.7(amework)]TJ ET EMC /P <>BDC BT 11 0 0 11 528.9554 179.6881 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 361.5 161.6881 Tm 0 0 0 1 k -.005 Tc [(A ntech risk management fr)19.5(amework is the basic)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.6534 161.6881 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 149.6881 Tm -.005 Tc [(structure underlying the risk management effor)-24.4(ts of)]TJ ET EMC /P <>BDC BT 9 0 0 9 565.4192 149.6881 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 137.6881 Tm -.005 Tc [(a ntech enterprise. )19.5(The ntech risk management)]TJ ET EMC /P <>BDC BT 9 0 0 9 557.2189 137.6881 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 125.6881 Tm -.005 Tc [(fr)19.5(amework pr)9.8(oposed herein is divided int)9.8(o three)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.4581 125.6881 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 113.6881 Tm -.005 Tc [(domains as intr)9.8(oduced in )]TJ ET EMC /P <>BDC BT /F3 1 Tf 9 0 0 9 463.5284 113.6881 Tm (gure 3)Tj ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 494.4146 113.6881 Tm 0 Tc (:)Tj ET EMC /P <>BDC BT 9 0 0 9 496.5493 113.6881 Tm ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 361.5 95.6881 Tm .73 .19 0 0 k -.005 Tc (1. )Tj ET EMC /P <>BDC BT 9 0 0 9 371.3846 95.6881 Tm (Domain 1)Tj ET EMC /P <>BDC BT 9 0 0 9 409.4109 95.6881 Tm 0 Tc (:)Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 411.906 95.6881 Tm 0 0 0 1 k -.005 Tc ( Fintech risk management phases )Tj ET EMC /P <>BDC BT 9 0 0 9 547.5144 95.6881 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 371.375 83.6881 Tm -.005 Tc [(and pr)9.8(ocesses)]TJ ET EMC /P <>BDC BT 9 0 0 9 429.2639 83.6881 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q .05098 .14902 .070588 0 k /GS1 gs 142.313 160.715 207.453 119.83 re f q 1 i 142.295 296.587 207.5 -135.872 re W n .019608 .65098 .015686 0 k 142.313 281.837 207.453 14.75 re f 0 0 0 0 K 0 J 0 j 1.396 w 10 M [] 0 d q 1 0 0 1 142.313 281.837 cm 0 0 m 207.487 0 l S 1 0 0 1 -.0181 -.2226 cm 0 0 m 207.488 0 l S Q Q q 1 i 142.295 296.587 207.506 -135.997 re W n 142.295 296.587 207.473 -136.282 re 431.492 83.688 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n BT /F8 1 Tf 7.65 0 0 9 182.4131 286.4622 Tm 0 0 0 0 k -.0001 Tc .0002 Tw [(Figur)9.5(e).5( 1Fintech Risk Assessment Model )]TJ ET q 1 0 0 1 185.565 244.889 cm 0 0 m 112.63 27.393 l 114.962 27.871 117.377 28.122 119.851 28.122 c 139.637 28.122 155.677 12.082 155.677 -7.7041 c 155.677 -22.544 146.654 -35.276 133.795 -40.715 c 8.4795 -70.831 l f Q .24314 .96078 .39216 .12941 K 0 J 0 j 1 w 8 M [] 0 d q 1 0 0 1 185.565 244.889 cm 0 0 m 112.63 27.393 l 114.962 27.871 117.377 28.122 119.851 28.122 c 139.637 28.122 155.677 12.082 155.677 -7.7041 c 155.677 -22.544 146.654 -35.276 133.795 -40.715 c 8.4795 -70.831 l S 1 0 0 1 56.817 13.446 cm 0 0 m 58.63 -7.8482 28.479 -66.154 v S Q q 1 0 0 1 222.051 208.887 cm 0 0 m 0 -19.787 -16.04 -35.827 -35.826 -35.827 c -55.612 -35.827 -71.651 -19.787 -71.651 0 c -71.651 19.786 -55.612 35.826 -35.826 35.826 c -16.04 35.826 0 19.786 0 0 c f Q q 1 0 0 1 222.051 208.887 cm 0 0 m 0 -19.787 -16.04 -35.827 -35.826 -35.827 c -55.612 -35.827 -71.651 -19.787 -71.651 0 c -71.651 19.786 -55.612 35.826 -35.826 35.826 c -16.04 35.826 0 19.786 0 0 c s Q 1.087 w q 1 0 0 1 185.445 208.364 cm 0 0 m -30.863 17.831 l S 1 0 0 1 .3735 -.0059 cm 0 0 m 32.896 16.785 l S 1 0 0 1 -.3842 -35.303 cm 0 0 m .0346 35.528 l S Q BT /F9 1 Tf 5.95 0 0 7 177.0571 231.2879 Tm .74972 .67919 .6705 .90146 k .0002 Tc 0 Tw (Identify)Tj -1.1484 -1 TD -.0002 Tc -.0002 Tw (Fintech Risks)Tj -1.7323 -2.4521 TD 0 Tw [(P)5.9(e)-.8(r)-7.3(f).1(orm)]TJ -.5034 -1 TD 0 Tc [(Qualitativ)6.1(e)]TJ 1.2717 -.9999 TD -.0003 Tc (Risk)Tj -.8293 -1 TD -.0002 Tc (Analysis)Tj 5.4264 2.6833 TD [(P)5.9(e)-.8(r)-7.3(f).1(orm)]TJ -.7785 -1 TD .0001 Tc [(Quantitativ)6.2(e)]TJ 1.5468 -1 TD -.0003 Tc (Risk)Tj -.8293 -1 TD -.0002 Tc (Analysis)Tj 7.8124 6.4521 TD .0004 Tc (Fintech)Tj -.5484 -1 TD -.0001 Tc (Enterprise)Tj .1426 -1 TD -.0003 Tc -.0001 Tw [(Risk Ar)8.6(ea)]TJ 8.6738 3.6785 TD 0 Tc -.0004 Tw [(Fintech Inno)6.8(v)7(a)0(tiv)6(e)]TJ 1.7291 -1 TD 0 Tw (Solutions)Tj -.0076 -1 TD -.0003 Tc -.0001 Tw [(Risk Ar)8.6(ea)]TJ ET EMC /Artifact <>BDC Q q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 .65 0 0 k .12 603.877 348.648 84.073 re f EMC /P <>BDC BT /F10 1 Tf 47 0 0 47 33.9117 647.7595 Tm .73 .19 0 0 k 0 Tc 0 Tw ()Tj ET EMC /P <>BDC BT /F1 1 Tf 14 0 0 14 47.819 667.7598 Tm 0 0 0 0 k ( A FINTECH RISK MANAGEMENT)Tj ET EMC /P <>BDC BT 14 0 0 14 253.4576 667.7598 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 33.9117 649.7598 Tm [(FRAMEWORK IS )19.5(THE BASIC STRUC)14.2(TURE)]TJ ET EMC /P <>BDC BT 14 0 0 14 287.3746 649.7598 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 33.9117 631.7598 Tm [(UNDERL)116.7(YING )19.5(THE RISK MANAGEMENT)19.6( EFFOR)39.1(T)7.8(S)]TJ ET EMC /P <>BDC BT 14 0 0 14 339.6354 631.7598 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 33.9117 613.7598 Tm (OF A FINTECH ENTERPRISE. )Tj ET EMC /P <>BDC BT /F10 1 Tf 47 0 0 47 215.276 593.7596 Tm .73 .19 0 0 k ()Tj ET EMC Q endstream endobj 146 0 obj <>/ExtGState<>>> endobj 190 0 obj <> endobj 192 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /F1 1 Tf 7 0 0 7 490.9954 20.9379 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 512.4738 20.9379 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 20.9379 Tm 0 .65 0 0 k [( V)6.4(OL 3)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 20.9379 Tm 0 .65 0 0 k (3)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 36.4479 20.9379 Tm 0 0 0 1 k [( 2020 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /F2 1 Tf 7 0 0 7 144.0797 20.9379 Tm [(www)60.6(.isaca.org)]TJ ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 34.6599 378.284 Tm .73 .19 0 0 k -.005 Tc (2. )Tj ET EMC /P <>BDC BT 9 0 0 9 44.5444 378.284 Tm (Domain 2)Tj ET EMC /P <>BDC BT 9 0 0 9 82.5708 378.284 Tm 0 Tc (:)Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 85.0659 378.284 Tm 0 0 0 1 k -.005 Tc ( Fintech enterprise risk area)Tj ET EMC /P <>BDC BT 9 0 0 9 194.3849 378.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 34.6599 360.284 Tm .73 .19 0 0 k -.005 Tc (3. Domain 3)Tj ET EMC /P <>BDC BT 9 0 0 9 82.5708 360.284 Tm 0 Tc (:)Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 85.0659 360.284 Tm 0 0 0 1 k -.005 Tc [( Fintech inno)7.3(v)7.3(ative solutions risk area)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.3936 360.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 336.284 Tm -.005 Tc (Domain 1 includes four phases: ntech risk)Tj ET EMC /P <>BDC BT 9 0 0 9 204.8032 336.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 324.284 Tm -.005 Tc (organizing and planning, ntech risk assessment,)Tj ET EMC /P <>BDC BT 9 0 0 9 228.8483 324.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 312.284 Tm -.005 Tc [(ntech risk reaction, and ntech risk monit)9.8(oring and)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.1143 312.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 300.284 Tm -.005 Tc [(contr)9.8(ol. )19.5(The four phases of domain 1 comprise six)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.965 300.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 288.284 Tm -.005 Tc [(pr)9.8(ocesses: organize and plan ntech risk effor)-24.4(t,)]TJ ET EMC /P <>BDC BT 9 0 0 9 221.7688 288.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 276.284 Tm -.005 Tc [(identify ntech risk, per)-7.3(form a qualitative risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 211.7668 276.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 264.284 Tm -.005 Tc [(analysis, per)-7.3(form a quantitative risk analysis,)]TJ ET EMC /P <>BDC BT 9 0 0 9 211.1437 264.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 252.284 Tm -.005 Tc [(respond t)9.8(o)0( risk, and monit)9.8(or and contr)9.8(ol risk.)]TJ ET EMC /P <>BDC BT 9 0 0 9 210.9471 252.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 228.284 Tm -.005 Tc [(Domain 2 includes risk management related t)9.8(o)0( six)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.0124 228.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 216.284 Tm -.005 Tc (ntech challenges: investment management,)Tj ET EMC /P <>BDC BT 9 0 0 9 211.339 216.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 204.284 Tm -.005 Tc [(cust)9.8(omer management, regulation, technology)]TJ ET EMC /P <>BDC BT 9 0 0 9 218.1923 204.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 192.284 Tm -.005 Tc [(integr)19.5(ation, security and priv)7.3(acy, and risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 194.5454 192.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 180.284 Tm -.005 Tc [(management pr)19.5(actices.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 128.1054 184.059 Tm -.0083 Tc (26)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 134.08 184.059 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 156.284 Tm -.005 Tc [(Domain 3 deals with risk management related t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 225.7348 156.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 144.284 Tm -.005 Tc [(the following ntech inno)7.3(v)7.3(ative solutions: new)]TJ ET EMC /P <>BDC BT 9 0 0 9 216.5238 144.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 132.284 Tm -.005 Tc [(business models, applications, pr)9.8(ocesses, pr)9.8(oducts)]TJ ET EMC /P <>BDC BT 9 0 0 9 237.7716 132.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 120.284 Tm -.005 Tc [(or ser)-8.8(vices.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 80.0913 124.059 Tm -.0083 Tc (27)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 86.0658 124.059 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 96.284 Tm -.005 Tc [(F)12.7(r)9.8(om domain 1, one can na)7.3(vigate t)9.8(o)0( domain 2,)]TJ ET EMC /P <>BDC BT 9 0 0 9 216.684 96.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 34.6599 84.284 Tm -.005 Tc [(domain 3 or both. Howe)6.4(ver)60.1(, when conducting risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 228.968 84.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 378.284 Tm -.005 Tc (management of a ntech enterprise, domain 1 must)Tj ET EMC /P <>BDC BT 9 0 0 9 458.9407 378.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 366.284 Tm -.005 Tc [(be applied t)9.8(o)0( domain 2. In contr)19.5(ast, when)]TJ ET EMC /P <>BDC BT 9 0 0 9 416.488 366.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 354.284 Tm -.005 Tc [(conducting risk management of ntech inno)7.3(v)7.3(ative)]TJ ET EMC /P <>BDC BT 9 0 0 9 451.8182 354.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 342.284 Tm -.005 Tc [(solutions, domain 1 must be applied t)9.8(o)0( domain 3.)]TJ ET EMC /P <>BDC BT 9 0 0 9 448.8464 342.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 11 0 0 11 254.4339 316.284 Tm .29 1 .45 .09 k -.005 Tc [(Pr)14.7(actical Guidance for Conducting a)]TJ ET EMC /P <>BDC BT 11 0 0 11 430.5452 316.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 11 0 0 11 254.4339 302.284 Tm -.005 Tc (Fintech Risk Assessment)Tj ET EMC /P <>BDC BT 11 0 0 11 378.0902 302.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 254.4339 284.284 Tm 0 0 0 1 k -.005 Tc [(T)48.4(o)0( illustr)19.5(ate how t)9.8(o)0( conduct a ntech risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 416.7638 284.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 272.284 Tm -.005 Tc (assessment, the following examples are used.)Tj ET EMC /P <>BDC BT 9 0 0 9 436.7128 272.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /F11 1 Tf 9 0 0 9 254.4339 248.284 Tm -.005 Tc [(Enterprise Backgr)17.6(ound)]TJ ET EMC /P <>BDC BT 9 0 0 9 345.0888 248.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 254.4339 236.284 Tm -.005 Tc [(The hypothetical enterprise is a ntech star)-24.4(t-up)]TJ ET EMC /P <>BDC BT 9 0 0 9 440.1101 236.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 224.284 Tm -.005 Tc (specializing in payments. It focuses on consumer)Tj ET EMC /P <>BDC BT 9 0 0 9 449.4221 224.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 212.284 Tm -.005 Tc [(and retail payments, peer-t)9.8(o-peer \(P2P\) mobile)]TJ ET EMC /P <>BDC BT 9 0 0 9 437.6644 212.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 200.284 Tm -.005 Tc [(payments, mobile wallets, and foreign ex)9.8(change)]TJ ET EMC /P <>BDC BT 9 0 0 9 443.72 200.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 188.284 Tm -.005 Tc (and remittances.)Tj ET EMC /P <>BDC BT 9 0 0 9 320.9944 188.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /F11 1 Tf 9 0 0 9 254.4339 164.284 Tm -.005 Tc (Example 1: Fintech Enterprise Risk Area)Tj ET EMC /P <>BDC BT 9 0 0 9 412.8689 164.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 254.4339 152.284 Tm -.005 Tc [(F)10.3(or this hypothetical enterprise and looking at the)]TJ ET EMC /P <>BDC BT 9 0 0 9 449.318 152.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 140.284 Tm -.005 Tc (investment-management challenge, the following)Tj ET EMC /P <>BDC BT 9 0 0 9 448.6112 140.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 128.284 Tm -.005 Tc (ntech enterprise risk has been identied: lack of)Tj ET EMC /P <>BDC BT 9 0 0 9 447.4908 128.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 116.284 Tm -.005 Tc [(ntech pr)9.8(oject por)-24.4(tfolio management.)]TJ ET EMC /P <>BDC BT 9 0 0 9 404.0698 116.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 92.284 Tm -.005 Tc [(T)48.4(o)0( per)-7.3(form a qualitative risk analysis, the risk fact)9.8(or)]TJ ET EMC /P <>BDC BT 9 0 0 9 458.015 92.284 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4339 80.284 Tm -.005 Tc [(\(RF\) can be calculated by multiplying the pr)9.8(obability)]TJ ET EMC /P <>BDC BT 9 0 0 9 457.7885 80.284 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q .05098 .14902 .070588 0 k /GS1 gs 34.697 400.175 424.893 275.212 re f .019608 .65098 .015686 0 k 34.697 676.679 424.893 14.75 re f q 1 i 34.66 691.429 425 -291.254 re W n 0 0 0 0 K 0 J 0 j 1.998 w 10 M [] 0 d q 1 0 0 1 34.697 676.679 cm 0 0 m 424.963 0 l S 1 0 0 1 -.0371 -.2222 cm 0 0 m 424.962 0 l S Q Q BT /F8 1 Tf 9 0 0 9 161.2419 681.3047 Tm 0 0 0 0 k .0001 Tc -.0001 Tw [(Figur)9.7(e).2( 2Risk Br)9.1(eak)11(d).5(own Structur)9.1(e).2( \(RBS\))]TJ ET .625 .28516 0 0 K 0 J 0 j 1 w 8 M [] 0 d 1 i q 1 0 0 1 108.927 625.205 cm 0 0 m 249.089 .5498 l S 1 0 0 1 0 .5498 cm 0 0 m -.2993 -8.6147 l S 1 0 0 1 248.906 -.3662 cm 0 0 m -.299 -8.6148 l S 1 0 0 1 -122.803 8.9809 cm 0 0 m -.3 -8.6147 l S 1 0 0 1 -182.74 -40.323 cm 0 0 m .5499 -164.365 l S 1 0 0 1 .5499 -17.306 cm 0 0 m 16.752 0 l S 1 0 0 1 -.1832 -146.631 cm 0 0 m 16.752 0 l S 1 0 0 1 .9161 29.326 cm 0 0 m 16.752 0 l S 1 0 0 1 -.7334 29.326 cm 0 0 m 16.752 0 l S 1 0 0 1 .5498 28.043 cm 0 0 m 16.752 0 l S 1 0 0 1 -.5498 29.693 cm 0 0 m 16.752 0 l S 1 0 0 1 304.444 78.891 cm 0 0 m -.3 -8.6147 l S 1 0 0 1 -55.354 -31.342 cm 0 0 m -.733 -135.038 l S 1 0 0 1 -.733 -17.674 cm 0 0 m 16.752 0 l S 1 0 0 1 .733 -117.305 cm 0 0 m 16.752 0 l S 1 0 0 1 -.733 29.327 cm 0 0 m 16.752 0 l S 1 0 0 1 .549 28.043 cm 0 0 m 16.752 0 l S 1 0 0 1 -.549 29.692 cm 0 0 m 16.752 0 l S Q 69.416 561.971 125.344 26.76 re f .24314 .96078 .39216 .12941 K 69.416 561.971 125.344 26.76 re S 69.783 532.461 125.344 26.76 re f 69.783 532.461 125.344 26.76 re S 69.783 502.913 125.344 26.76 re f 69.783 502.913 125.344 26.76 re S 69.783 473.923 125.344 26.76 re f 69.783 473.923 125.344 26.76 re S 69.599 444.963 125.344 26.76 re f 69.599 444.963 125.344 26.76 re S 70.088 416.012 125.343 26.761 re f 70.088 416.012 125.343 26.761 re S .019608 .65098 .015686 0 k 46.688 593.931 125.344 25.831 re f .019608 .65098 .015686 0 K 46.688 593.931 125.344 25.831 re S .24314 .96078 .39216 .12941 k 172.425 631.07 125.343 31.765 re f .24314 .96078 .39216 .12941 K 172.425 631.07 125.343 31.765 re S 0 0 0 0 k 317.223 561.605 125.344 26.759 re f 317.223 561.605 125.344 26.759 re S 318.139 532.094 125.345 26.761 re f 318.139 532.094 125.345 26.761 re S 318.139 502.547 125.345 26.76 re f 318.139 502.547 125.345 26.76 re S 318.139 473.556 125.345 26.761 re f 318.139 473.556 125.345 26.761 re S 317.956 444.597 125.344 26.76 re f 317.956 444.597 125.344 26.76 re S .74118 .19608 .007843 0 k 295.045 594.114 125.343 25.832 re f .74118 .19608 .007843 0 K 295.045 594.114 125.343 25.832 re S BT 12 0 0 12 194.3489 642.8062 Tm 0 0 0 0 k -.0001 Tc .0001 Tw (Fintech Company)Tj /F9 1 Tf 10 0 0 10 87.0511 543.0432 Tm 0 0 0 1 k 0 Tc 0 Tw [(Cust)9.1(omer Management )]TJ -.2781 2.882 TD [(Inv)6.5(estment Management )]TJ /F8 1 Tf 0 0 0 0 k -3.1534 3.1481 TD [(Fintech Enterprise Risk Ar)9.2(ea )]TJ 27.0098 .5321 TD [(Fintech Inno)7.1(v)7(a).2(tiv)6(e)]TJ -.2632 -1 TD [(Solutions Risk Ar)8.4(ea)]TJ /F9 1 Tf 0 0 0 1 k -20.6945 -8.5328 TD (Regulation)Tj -2.4055 -2.9264 TD [(T)48.7(e)-.4(chnology Integr)19.2(ation)]TJ .4082 -2.882 TD [(Security and Priv)5.3(acy )]TJ 26.4601 8.7791 TD (Applications)Tj -1.99 2.882 TD (New Business Models )Tj 2.3958 -5.8527 TD [(Pr)9.6(ocesses)]TJ .2863 -2.9264 TD [(Pr)9.8(oducts)]TJ .1006 -2.882 TD [(Ser)-9.7(vices)]TJ -28.6449 -2.7933 TD [(Risk Management Pr)17.5(actices)]TJ ET EMC endstream endobj 193 0 obj <>/ExtGState<>>> endobj 256 0 obj <> endobj 258 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /F1 1 Tf 7 0 0 7 39.4019 20.9698 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 60.8804 20.9698 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7275 20.9698 Tm 0 .65 0 0 k [( V)6.4(OL 3)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 20.9698 Tm 0 .65 0 0 k (4)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 413.8918 20.9379 Tm 0 0 0 1 k [( 2020 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /F2 1 Tf 7 0 0 7 521.5236 20.9379 Tm [(www)60.6(.isaca.org)]TJ ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 144 376.4782 Tm -.005 Tc (of occurrence \(P\) \(i.e., the likelihood of a ntech risk)Tj ET EMC /P <>BDC BT 9 0 0 9 348.9644 376.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 364.4782 Tm -.005 Tc (occurring\) by the impact of risk occurrence \(I\) \(i.e.,)Tj ET EMC /P <>BDC BT 9 0 0 9 342.6647 364.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 352.4782 Tm -.005 Tc [(how se)6.4(verely the ntech initiative will be affected if)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.4269 352.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 340.4782 Tm -.005 Tc (the risk occurs\).)Tj ET EMC /P <>BDC BT 9 0 0 9 207.4877 340.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 316.4782 Tm -.005 Tc (Therefore,)Tj ET EMC /P <>BDC BT 9 0 0 9 184.2963 316.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 298.4782 Tm -.005 Tc (RF=P I )Tj ET EMC /P <>BDC BT 9 0 0 9 180.8422 298.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 280.4782 Tm -.005 Tc (=75% 0.3 )Tj ET EMC /P <>BDC BT 9 0 0 9 189.1028 280.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 262.4782 Tm -.005 Tc (=22.5%)Tj ET EMC /P <>BDC BT 9 0 0 9 172.7911 262.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 238.4782 Tm -.005 Tc [(This par)-24.4(ticular example uses a numeric r)19.5(ating)]TJ ET EMC /P <>BDC BT 9 0 0 9 323.9753 238.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 226.4782 Tm -.005 Tc (technique.)Tj ET EMC /P <>BDC BT 9 0 0 9 185.2894 226.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 202.4782 Tm -.005 Tc [(Similarly, t)9.8(o)0( per)-7.3(form a quantitative risk analysis, the)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.7286 202.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 190.4782 Tm -.005 Tc (EMV has been calculated as follows:)Tj ET EMC /P <>BDC BT 9 0 0 9 288.513 190.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 172.4782 Tm -.005 Tc (EMV=P I)Tj ET EMC /P <>BDC BT 9 0 0 9 184.6137 172.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 154.4782 Tm -.005 Tc (=80% US$1,200,000)Tj ET EMC /P <>BDC BT 9 0 0 9 229.1772 154.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 136.4782 Tm -.005 Tc [(=US$960,000 \(the v)7.3(alue of the risk\))]TJ ET EMC /P <>BDC BT 9 0 0 9 282.1497 136.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /F11 1 Tf 9 0 0 9 144 112.4782 Tm -.02 Tc [(Example 2: Fintech Inno)7.3(v)7.3(ative Solutions Risk Area)]TJ ET EMC /P <>BDC BT 9 0 0 9 335.8838 112.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 144 100.4782 Tm -.02 Tc (Similarly, by examining intelligent mobile payments)Tj ET EMC /P <>BDC BT 9 0 0 9 338.3055 100.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 88.4782 Tm -.02 Tc [(corresponding t)9.8(o)0( the )24.4(applications solution of a)]TJ ET EMC /P <>BDC BT 9 0 0 9 327.2661 88.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.0022 376.4782 Tm -.02 Tc [(ntech inno)7.3(v)7.3(ative solutions risk area, the following)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.9305 376.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.0022 364.4782 Tm -.02 Tc [(risk has been identied: unpr)9.8(o)7.3(ven mobile technology.)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.3807 364.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.0022 340.4782 Tm -.005 Tc (Therefore,)Tj ET EMC /P <>BDC BT 9 0 0 9 402.2985 340.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.0022 322.4782 Tm -.005 Tc (RF=P I )Tj ET EMC /P <>BDC BT 9 0 0 9 396.6613 322.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.0022 304.4782 Tm -.005 Tc (=55% 0.7 )Tj ET EMC /P <>BDC BT 9 0 0 9 407.105 304.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.0022 286.4782 Tm -.005 Tc (=38.5%)Tj ET EMC /P <>BDC BT 9 0 0 9 390.7932 286.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.0022 262.4782 Tm -.005 Tc [(This case also uses a numeric r)19.5(ating technique.)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.578 262.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.0022 238.4782 Tm -.005 Tc (Likewise, the EMV has been calculated as follows:)Tj ET EMC /P <>BDC BT 9 0 0 9 559.4856 238.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.0022 220.4782 Tm -.005 Tc (EMV=P I)Tj ET EMC /P <>BDC BT 9 0 0 9 402.6159 220.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.0022 202.4782 Tm -.005 Tc (=15% US$2,000,000)Tj ET EMC /P <>BDC BT 9 0 0 9 447.1792 202.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.0022 184.4782 Tm -.005 Tc (=US$300,000)Tj ET EMC /P <>BDC BT 9 0 0 9 414.7648 184.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.0022 160.4782 Tm -.005 Tc [(Finally, t)9.8(o)0( recap the pre)6.4(vious pr)9.8(ocesses, the steps)]TJ ET EMC /P <>BDC BT 9 0 0 9 557.6993 160.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.0022 148.4782 Tm -.005 Tc (followed in example 1 were:)Tj ET EMC /P <>BDC BT 9 0 0 9 471.8066 148.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.0022 130.4782 Tm .73 .19 0 0 k -.005 Tc (1.)Tj ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 369.6905 130.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT 9 0 0 9 371.8736 130.4782 Tm 0 0 0 1 k -.005 Tc (Visit domain 2 \(ntech enterprise risk area\).)Tj ET EMC /P <>BDC BT 9 0 0 9 544.198 130.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.0022 112.4782 Tm .73 .19 0 0 k -.005 Tc (2.)Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 369.6905 112.4782 Tm 0 0 0 1 k ( Select challenge \(i.e., investment management\).)Tj ET EMC /P <>BDC BT 9 0 0 9 561.339 112.4782 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.0022 94.4782 Tm .73 .19 0 0 k -.005 Tc (3.)Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 369.6905 94.4782 Tm 0 0 0 1 k ( Identify ntech risk.)Tj ET EMC /P <>BDC BT 9 0 0 9 449.2746 94.4782 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q q 1 i 145.567 658.977 422 -261.843 re W n 145.567 658.977 422.034 -261.968 re W n 144 658.977 425.274 -261.698 re 451.503 94.478 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .019608 .65098 .015686 0 k /GS1 gs 145.604 644.227 421.927 14.75 re f .05098 .14902 .070588 0 k 145.604 397.2 421.927 245.735 re f 0 0 0 0 K 0 J 0 j 1.991 w 10 M [] 0 d q 1 0 0 1 145.604 644.227 cm 0 0 m 421.997 0 l S 1 0 0 1 -.0371 -.2227 cm 0 0 m 421.997 0 l S Q Q q 1 i 145.567 658.977 422.034 -261.968 re W n 144 658.977 425.274 -261.698 re 451.503 94.478 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS1 gs BT /F8 1 Tf 9 0 0 9 272.4601 648.8525 Tm 0 0 0 0 k 0 Tc 0 Tw [(Figur)9.6(e).1( 3Fintech Risk Management F)12.7(r)14.8(amework)]TJ ET 272.586 407.02 287.812 230.249 re f .23137 .070588 .015686 0 k 151.454 407.521 121.132 230.249 re f .74118 .19608 .007843 0 K 0 J 0 j 1 w 8 M [] 0 d 560.899 407.02 -408.944 229.749 re 151.454 535.159 m 559.897 535.159 l 151.454 476.095 m 559.897 476.095 l S .74609 .67578 .66797 .89844 K q 1 0 0 1 273.086 637.269 cm 0 0 m 0 -230.249 l S Q .74118 .19608 .007843 0 K .5 w q 1 0 0 1 322.139 636.769 cm 0 0 m 0 -160.674 l S Q .412 w q 1 0 0 1 369.691 585.213 cm 0 0 m 0 -109.118 l S 1 0 0 1 48.052 0 cm 0 0 m 0 -109.118 l S Q .5 w q 1 0 0 1 465.795 636.769 cm 0 0 m 0 -160.674 l S 1 0 0 1 48.052 0 cm 0 0 m 0 -160.674 l S Q .41 w q 1 0 0 1 272.586 585.213 cm 0 0 m 287.812 0 l S Q 1 w q 1 0 0 1 275.588 440.056 cm 0 0 m 28.031 29.532 l 54.56 -.501 l 27.531 -29.533 l 0 0 l s Q 1 0 1 0 K q 1 0 0 1 333.652 440.056 cm 0 0 m 28.03 29.532 l 54.559 -.501 l 27.53 -29.533 l 0 0 l s Q 1 1 1 0 K q 1 0 0 1 390.713 440.056 cm 0 0 m 28.031 29.532 l 54.56 -.501 l 27.531 -29.533 l 0 0 l s Q .78431 .85882 0 0 K q 1 0 0 1 447.775 440.056 cm 0 0 m 28.031 29.532 l 54.56 -.501 l 27.53 -29.533 l 0 0 l s Q 0 0 0 1 K q 1 0 0 1 504.337 440.056 cm 0 0 m 28.03 29.532 l 54.559 -.501 l 27.53 -29.533 l 0 0 l s Q BT 18 0 0 18 176.7531 599.2286 Tm 0 0 0 1 k .0005 Tc -.0005 Tw (Domain 1:)Tj /F9 1 Tf 12 0 0 12 184.2401 587.2286 Tm .0001 Tc .0001 Tw (Fintech Risk)Tj -.1807 -1 TD .0002 Tc 0 Tw (Management)Tj -1.885 -1 TD .0001 Tc .0001 Tw [(Phases and Pr)10.2(ocesses)]TJ /F8 1 Tf 18 0 0 18 176.7531 511.6331 Tm .0005 Tc -.0005 Tw (Domain 2:)Tj /F9 1 Tf 12 0 0 12 170.2448 499.6331 Tm .0001 Tc .0001 Tw (Fintech Enterprise)Tj 1.708 -1 TD 0 Tc .0002 Tw [(Risk Ar)10(ea)]TJ /F8 1 Tf 18 0 0 18 176.7531 449.5661 Tm .0005 Tc -.0005 Tw (Domain 3:)Tj /F9 1 Tf 12 0 0 12 170.0808 437.5661 Tm .0001 Tc .0001 Tw [(Fintech Inno)7.5(v)7.4(a)-.1(tiv)6.4(e)]TJ -.2419 -1 TD 0 Tc .0002 Tw [(Solutions Risk Ar)10(ea)]TJ /F8 1 Tf 7.2 0 0 8 287.9671 620.2598 Tm -.0001 Tc 0 Tw (Fintech)Tj .6096 -1 TD 0 Tc (Risk)Tj -1.3025 -1 TD -.0002 Tc [(Or)9.5(ganizing)]TJ -.4343 -1 TD -.0003 Tc .0009 Tw (and Planning)Tj /F9 1 Tf -.0474 -3.3193 TD 0 Tc .0002 Tw [(Or)8.8(ganiz)7.8(e)-.5( and)]TJ .1453 -1 TD (Plan Fintech)Tj .3676 -1 TD -.0003 Tc .0005 Tw [(Risk E)9.2(ffor)-26.5(t)]TJ 7.4756 2 TD 0 Tw (Identify)Tj .0268 -1 TD 0 Tc (Fintech)Tj .6181 -1 TD -.0003 Tc (Risk)Tj 5.5579 2.1251 TD -.0061 Tc [(Pe)-6.4(r)-13.7(f)-7.1(o)-6.9(r)-6.3(m)]TJ -.5033 -1 TD -.0009 Tc (Qualitative)Tj -.5053 -1 TD 0 Tc .0002 Tw (Risk Analysis)Tj 7.774 1.9857 TD -.0061 Tc 0 Tw [(Pe)-6.4(r)-13.7(f)-7.1(o)-6.9(r)-6.3(m)]TJ -.7786 -1 TD -.0008 Tc (Quantitative)Tj -.23 -1 TD 0 Tc .0002 Tw (Risk Analysis)Tj 7.3429 1.4511 TD -.0004 Tc 0 Tw (Response)Tj 1.535 -1 TD -.0089 Tc (to)Tj -.4392 -1 TD -.0003 Tc (Risk)Tj 5.8974 2.1877 TD .0006 Tc [(Monit)10.7(o)-.1(r)]TJ -.7497 -1 TD -.0004 Tc .0006 Tw [(and Contr)8.9(o).3(l)]TJ 1.4478 -1 TD 0 Tw (Risk)Tj -34.5857 -4.8407 TD -.0005 Tc [(Inv)6.3(e)-.6(stment)]TJ -.3918 -1 TD -.0001 Tc (Management)Tj 9 0 0 10 295.3011 445.2971 Tm -.0002 Tc (New)Tj -.9197 -.8 TD (Business)Tj .3352 -.8 TD (Models)Tj 5.5521 .8 TD 0 Tc [(Applications)-1707.9(Pr)9.2(ocesses)-2621.2(P)-.6(r)9.2(o)-.2(ducts)-2619(Ser)-9.9(vices)]TJ 7.2 0 0 8 330.9181 512.9771 Tm -.0003 Tc [(Cust)9.3(omer)]TJ -.67 -1 TD -.0001 Tc (Management)Tj 6.9478 .5 TD .0001 Tc (Regulation)Tj 6.7236 .375 TD 0 Tc [(T)49(echnology)]TJ .1235 -1 TD -.0002 Tc [(Integr)18.3(ation)]TJ 7.5165 1.2496 TD .0001 Tc (Security)Tj .8589 -1 TD -.0003 Tc (and)Tj -.7031 -1 TD .0003 Tc [(Priv)8.1(acy)]TJ 6.905 2 TD -.0003 Tc (Risk)Tj -1.7461 -1 TD -.0001 Tc (Management)Tj .7342 -1 TD .0002 Tc [(Pr)19.4(actices)]TJ /F8 1 Tf -20.3618 13.2857 TD -.0001 Tc .0007 Tw (Fintech Risk)Tj .0074 -1 TD .0001 Tc 0 Tw (Assessment)Tj 14.5333 2 TD -.0001 Tc (Fintech)Tj .6097 -1 TD 0 Tc (Risk)Tj -.8868 -1 TD -.0002 Tc (Reaction)Tj 6.8121 4 TD -.0001 Tc (Fintech)Tj .6096 -1 TD 0 Tc (Risk)Tj -.6917 -1 TD [(Monit)14.5(o)-.2(r)]TJ .8315 -1 TD -.0003 Tc (and)Tj -.7361 -1 TD -.0001 Tc [(Contr)18.1(o)-.2(l)]TJ ET EMC Q endstream endobj 259 0 obj <>/ExtGState<>>> endobj 303 0 obj <> endobj 308 0 obj <> endobj 313 0 obj <> endobj 318 0 obj <> endobj 323 0 obj <> endobj 328 0 obj <> endobj 333 0 obj <> endobj 338 0 obj <> endobj 343 0 obj <> endobj 344 0 obj <> endobj 346 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /F1 1 Tf 7 0 0 7 490.9954 20.9379 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 512.4738 20.9379 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 20.9379 Tm 0 .65 0 0 k [( V)6.4(OL 3)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 20.9379 Tm 0 .65 0 0 k (5)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 36.4479 20.9379 Tm 0 0 0 1 k [( 2020 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /F2 1 Tf 7 0 0 7 144.0797 20.9379 Tm [(www)60.6(.isaca.org)]TJ ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 37.0652 460.6095 Tm .73 .19 0 0 k -.005 Tc (4.)Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 44.7535 460.6095 Tm 0 0 0 1 k [( Per)-7.3(form qualitative risk analysis.)]TJ ET EMC /P <>BDC BT 9 0 0 9 175.7314 460.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 37.0652 442.6095 Tm .73 .19 0 0 k -.005 Tc (5.)Tj ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 44.7535 442.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT 9 0 0 9 46.9366 442.6095 Tm 0 0 0 1 k -.005 Tc [(Per)-7.3(form quantitative risk analysis.)]TJ ET EMC /P <>BDC BT 9 0 0 9 181.4081 442.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 418.6095 Tm -.005 Tc (Likewise, the steps followed in example 2 were:)Tj ET EMC /P <>BDC BT 9 0 0 9 223.8368 418.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 37.0652 400.6095 Tm .73 .19 0 0 k -.005 Tc (1.)Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 44.7535 400.6095 Tm 0 0 0 1 k 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 46.9366 400.6095 Tm -.005 Tc [(Visit domain 3 \(ntech inno)7.3(v)7.3(ative solutions )]TJ ET EMC /P <>BDC BT 9 0 0 9 219.0028 400.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 46.8152 388.6095 Tm -.005 Tc (risk area\).)Tj ET EMC /P <>BDC BT 9 0 0 9 86.0822 388.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 37.0652 370.6095 Tm .73 .19 0 0 k -.005 Tc (2.)Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 44.7535 370.6095 Tm 0 0 0 1 k 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 46.9366 370.6095 Tm -.005 Tc [(Select an inno)7.3(v)7.3(ative solution \(i.e., applications:)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.708 370.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 46.8152 358.6095 Tm -.005 Tc (intelligent mobile payments\).)Tj ET EMC /P <>BDC BT 9 0 0 9 161.2099 358.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 37.0652 340.6095 Tm .73 .19 0 0 k -.005 Tc (3.)Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 44.7535 340.6095 Tm 0 0 0 1 k ( Identify ntech risk.)Tj ET EMC /P <>BDC BT 9 0 0 9 124.3376 340.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 37.0652 322.6094 Tm .73 .19 0 0 k -.005 Tc (4.)Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 44.7535 322.6094 Tm 0 0 0 1 k [( Per)-7.3(form qualitative risk analysis.)]TJ ET EMC /P <>BDC BT 9 0 0 9 175.7314 322.6094 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 37.0652 304.6094 Tm .73 .19 0 0 k -.005 Tc (5.)Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 44.7535 304.6094 Tm 0 0 0 1 k [( Per)-7.3(form quantitative risk analysis.)]TJ ET EMC /P <>BDC BT 9 0 0 9 181.4081 304.6094 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 280.6094 Tm -.005 Tc (As a result, )Tj ET EMC /P <>BDC BT /F3 1 Tf 9 0 0 9 82.8779 280.6094 Tm (gure 4)Tj ET EMC /P <>BDC BT /F1 1 Tf 9 0 0 9 113.7641 280.6094 Tm [( pr)9.8(o)7.3(vides an outcome of the)]TJ ET EMC /P <>BDC BT 9 0 0 9 224.1093 280.6094 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 268.6094 Tm -.005 Tc [(ntech risk assessment illustr)19.5(ated in this ar)-24.4(ticle.)]TJ ET EMC /P <>BDC BT 9 0 0 9 227.5152 268.6094 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 11 0 0 11 37.0652 242.6095 Tm .29 1 .45 .09 k -.005 Tc (Conclusion)Tj ET EMC /P <>BDC BT 11 0 0 11 91.8539 242.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 37.0652 224.6095 Tm 0 0 0 1 k -.005 Tc [(The model described pre)6.4(viously highlighted the)]TJ ET EMC /P <>BDC BT 9 0 0 9 223.0952 224.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 212.6095 Tm -.005 Tc [(following ntech risk z)7.8(ones: ntech enterprise risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 234.6255 212.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 200.6095 Tm -.005 Tc [(area and ntech inno)7.3(v)7.3(ative solutions risk area,)]TJ ET EMC /P <>BDC BT 9 0 0 9 219.3939 200.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 188.6095 Tm -.005 Tc (which in reality account for most of the risk areas )Tj ET EMC /P <>BDC BT 9 0 0 9 233.8247 188.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 176.6095 Tm -.005 Tc (of a ntech organization. In that context, the ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 240.0244 176.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 164.6095 Tm -.005 Tc (risk assessment model was embedded within a)Tj ET EMC /P <>BDC BT 9 0 0 9 224.4254 164.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 152.6095 Tm -.005 Tc [(ntech risk management fr)19.5(amework t)9.8(o)0( construct)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.044 152.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 140.6095 Tm -.005 Tc [(the foundation of ntech go)7.3(vernance. It is impor)-24.4(tant)]TJ ET EMC /P <>BDC BT 9 0 0 9 242.3852 140.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 128.6095 Tm -.005 Tc [(t)9.8(o)0( remember that ntech risk management, ntech)]TJ ET EMC /P <>BDC BT 9 0 0 9 237.1302 128.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 116.6095 Tm -.005 Tc [(go)7.3(vernance and ntech inno)7.3(v)7.3(ative solutions)]TJ ET EMC /P <>BDC BT 9 0 0 9 210.3509 116.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 104.6095 Tm -.005 Tc (represent the three pillars of success or failure of a)Tj ET EMC /P <>BDC BT 9 0 0 9 237.8304 104.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.0652 92.6095 Tm -.005 Tc (ntech organization.)Tj ET EMC /P <>BDC BT 9 0 0 9 117.9389 92.6095 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /F3 1 Tf 11 0 0 11 255.895 458.5138 Tm .29 1 .45 .09 k -.005 Tc (Endnotes)Tj ET EMC /P <>BDC BT 11 0 0 11 301.7003 458.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 273.2586 440.5138 Tm 0 0 0 1 k -.005 Tc [(Za)7.3(v)7.3(olokina, L.; M. Dolata; G. Schwabe;)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 422.1015 440.5138 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 260.895 440.5138 Tm .73 .19 0 0 k (1)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 272.895 428.5138 Tm 0 0 0 1 k -.005 Tc [(FinTechWhat)54.7(s in a Name? )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 392.885 428.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.895 416.5138 Tm -.005 Tc (37th International Conference on )Tj ET EMC /LBody <>BDC BT 9 0 0 9 404.8637 416.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.895 404.5138 Tm -.005 Tc (Information Systems, Dublin, Ireland, 2016)Tj ET EMC /LBody <>BDC BT 9 0 0 9 439.2592 404.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 273.2586 392.5138 Tm -.005 Tc (London Business School, The Fintech)Tj ET EMC /LBody <>BDC BT 9 0 0 9 424.0724 392.5138 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 260.895 392.5138 Tm .73 .19 0 0 k (2)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 272.895 380.5138 Tm 0 0 0 1 k -.005 Tc [(Re)6.4(v)7.3(olution,)83( )]TJ ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 320.8171 380.5138 Tm [(London Business School Re)6.4(view)]TJ ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 445.895 380.5138 Tm 0 Tc (,)Tj ET EMC /LBody <>BDC BT 9 0 0 9 447.6165 380.5138 Tm ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.895 368.5138 Tm -.005 Tc [(v)7.3(ol. 26, iss. 3, 2015, p. 5053)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 386.8966 368.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 273.2586 356.5138 Tm -.005 Tc [(Bettinger)60.1(, A.; FINTECH: A Series of 40 )19.5(Time)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 445.483 356.5138 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 260.895 356.5138 Tm .73 .19 0 0 k (3)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 272.895 344.5138 Tm 0 0 0 1 k -.005 Tc [(Shared Models Used at Manufacturers Hano)7.3(ver)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 460.3255 344.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.895 332.5138 Tm -.005 Tc [(T)36.6(rust Company,)83( )]TJ ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 339.5392 332.5138 Tm [(Inter)-7.3(faces)]TJ ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 378.6885 332.5138 Tm [(, v)7.3(ol. 2, iss. 4, 1972,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 453.9956 332.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.895 320.5138 Tm -.005 Tc (p. 6263)Tj ET EMC /LBody <>BDC BT 9 0 0 9 308.3023 320.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 273.2586 308.5138 Tm -.005 Tc [(Schueffel, P)158.2(.; T)55.2(aming the Beast: A Scientic)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 446.2202 308.5138 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 260.895 308.5138 Tm .73 .19 0 0 k (4)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 272.895 296.5138 Tm 0 0 0 1 k -.005 Tc [(Denition of Fintech,)83( )]TJ ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 358.5601 296.5138 Tm [(Journal of Inno)7.3(v)7.3(ation)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 440.7162 296.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.895 284.5138 Tm -.005 Tc (Management)Tj ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 324.2875 284.5138 Tm [(, v)7.3(ol. 4, 2016, p. 3254)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 412.4345 284.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 273.2586 272.5138 Tm -.005 Tc [(Thakor)60.1(, A. V)109.9(.; Incentives t)9.8(o)0( Inno)7.3(v)7.3(ate and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 432.3718 272.5138 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 260.895 272.5138 Tm .73 .19 0 0 k (5)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 272.895 260.5138 Tm 0 0 0 1 k -.005 Tc [(Financial Crises,)83( )]TJ ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 341.8255 260.5138 Tm (Journal of Financial)Tj ET EMC /LBody <>BDC BT 9 0 0 9 418.2696 260.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.895 248.5138 Tm -.005 Tc [(E)9.3(conomics)]TJ ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 315.9477 248.5138 Tm [(, v)7.3(ol. 103, iss. 1, 2012, p. 130148)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 448.8802 248.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 273.2586 236.5138 Tm -.005 Tc [(Chen, M. A.; Q. W)9.3(u; B. Y)35.7(ang; How V)22.5(aluable Is)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 452.3891 236.5138 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 260.895 236.5138 Tm .73 .19 0 0 k (6)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 272.895 224.5138 Tm 0 0 0 1 k -.005 Tc [(Fintech Inno)7.3(v)7.3(ation? Re)6.4(view of Financial)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 431.3732 224.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.895 212.5138 Tm -.005 Tc [(Studies, v)7.3(ol. 32, iss. 5, 2019, p. 20622106)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 440.4304 212.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 273.2586 200.5138 Tm -.005 Tc [(Pr)9.8(oject Management Institute \(PMI\), )]TJ ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 418.6232 200.5138 Tm [(A Guide t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 458.7963 200.5138 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 260.895 200.5138 Tm .73 .19 0 0 k (7)Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 272.895 188.5138 Tm 0 0 0 1 k -.005 Tc [(the Pr)9.8(oject Management Body of K)11.3(nowledge)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 445.2203 188.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.895 176.5138 Tm -.005 Tc (\(PMBOK Guide\), 6)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 342.2988 179.4838 Tm -.0083 Tc (th)Tj ET EMC /LBody <>BDC BT 9 0 0 9 346.8574 176.5138 Tm -.005 Tc ( Edition)Tj ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 375.7783 176.5138 Tm (, USA, 2017)Tj ET EMC /LBody <>BDC BT 9 0 0 9 420.534 176.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 273.2586 164.5138 Tm -.005 Tc [(Lee, I.; Y)103(.)0( J. Shin; Fintech: E)9.3(cosystem, Business)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 460.0446 164.5138 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 260.895 164.5138 Tm .73 .19 0 0 k (8)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 272.895 152.5138 Tm 0 0 0 1 k -.005 Tc [(Models, Investment Decisions, and Challenges,)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 460.1818 152.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.895 140.5138 Tm -.005 Tc [(Business Horiz)7.8(ons, Kelley School of Business,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 453.78 140.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.895 128.5138 Tm -.005 Tc [(Indiana University, USA, v)7.3(ol. 61, 2018, p. 3546)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 456.897 128.5138 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 273.2586 116.5138 Tm -.005 Tc [(Micr)9.8(osoft Corpor)19.5(ation, )]TJ ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 364.3335 116.5138 Tm (Risk Assessment and)Tj ET EMC /LBody <>BDC BT 9 0 0 9 447.8054 116.5138 Tm 0 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Johnst)9.8(on.; A.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 328.3772 628.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 616.8258 Tm -.005 Tc [(Da)7.3(vies; )]TJ ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 191.4546 616.8258 Tm (Risk Assessment Handbook)Tj ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 300.4272 616.8258 Tm (, GNS)Tj ET EMC /LBody <>BDC BT 9 0 0 9 322.0827 616.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 604.8258 Tm -.005 Tc (Science Miscellaneous Series, New Zealand,)Tj ET EMC /LBody <>BDC BT 9 0 0 9 335.7621 604.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 592.8258 Tm -.005 Tc (2015)Tj ET EMC /LBody <>BDC BT 9 0 0 9 181.0349 592.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 161.5272 580.8258 Tm -.005 Tc (Op cit)Tj ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 184.1264 580.8258 Tm ( PMI 2017)Tj ET EMC /LBody <>BDC BT 9 0 0 9 224.3754 580.8258 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 144 580.8258 Tm .73 .19 0 0 k (11)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 161.5272 568.8258 Tm 0 0 0 1 k -.005 Tc [(Pr)9.8(oject Management Institute \(PMI\), )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 306.8917 568.8258 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 144 568.8258 Tm .73 .19 0 0 k (12)Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 161 556.8258 Tm 0 0 0 1 k -.005 Tc [(Pr)19.5(actice Standard for Pr)9.8(oject Risk Management)]TJ ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 344.9436 556.8258 Tm 0 Tc (,)Tj ET EMC /LBody <>BDC BT 9 0 0 9 346.6652 556.8258 Tm ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 544.8258 Tm -.005 Tc (USA, 2009)Tj ET EMC /LBody <>BDC BT 9 0 0 9 201.851 544.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161.5272 532.8258 Tm -.005 Tc [(T)46.4(urner)60.1(, J. R.; )]TJ ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 211.6488 532.8258 Tm [(The Handbook of Pr)9.8(oject-Based)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 334.8678 532.8258 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 144 532.8258 Tm .73 .19 0 0 k (13)Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 161 520.8258 Tm 0 0 0 1 k -.005 Tc [(Management: Leading Str)19.5(ategic Change in)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 325.0909 520.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 508.8258 Tm -.005 Tc (Organizations, 3)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 223.6494 511.7958 Tm -.0083 Tc (rd)Tj ET EMC /LBody <>BDC BT 9 0 0 9 228.3372 508.8258 Tm -.005 Tc ( Edition)Tj ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 257.2581 508.8258 Tm [(, McGr)19.5(aw-Hill, )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 313.2509 508.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 496.8258 Tm -.005 Tc (USA, 2009)Tj ET EMC /LBody <>BDC BT 9 0 0 9 201.851 496.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 161.5272 484.8258 Tm -.005 Tc (Op cit)Tj ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 184.1264 484.8258 Tm ( Lee, Shin)Tj ET EMC /LBody <>BDC BT 9 0 0 9 221.7244 484.8258 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 144 484.8258 Tm .73 .19 0 0 k (14)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 161.5272 472.8258 Tm 0 0 0 1 k -.005 Tc [(Schindler)60.1(, J.; FinTech and Financial Inno)7.4(v)7.3(ation:)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 348.2043 472.8258 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 144 472.8258 Tm .73 .19 0 0 k (15)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 161 460.8258 Tm 0 0 0 1 k -.005 Tc [(Drivers and Depth,)83( Finance and E)9.3(conomics)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 331.8257 460.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 448.8258 Tm -.005 Tc (Discussion Series 2017-081, Board of)Tj ET EMC /LBody <>BDC BT 9 0 0 9 308.6365 448.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 436.8258 Tm -.005 Tc [(Go)7.3(vernors of the Feder)19.5(al Reser)-8.8(ve System, USA,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 346.3412 436.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 424.8258 Tm -.005 Tc (2017, )Tj ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 184.9396 424.8258 Tm [(https:/)109.4(/doi.org/10.17016/FEDS.2017.081)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 343.7361 424.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 161.5272 412.8258 Tm -.005 Tc (Financial Stability Board, )Tj ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 260.4508 412.8258 Tm (FinTech and Market)Tj ET EMC /LBody <>BDC BT 9 0 0 9 337.4375 412.8258 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 144 412.8258 Tm .73 .19 0 0 k (16)Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 161 400.8258 Tm 0 0 0 1 k -.005 Tc [(Structure in Financial Ser)-8.8(vices: Market)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 309.2486 400.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 388.8258 Tm -.005 Tc [(De)6.4(velopments and P)6.4(otential Financial Stability)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 340.1349 388.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 376.8258 Tm -.005 Tc (Implications)Tj ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 208.7341 376.8258 Tm (, Switzerland, 2019)Tj ET EMC /LBody <>BDC BT 9 0 0 9 282.705 376.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.9742 640.8257 Tm -.005 Tc (Op cit PMI 2017)Tj ET EMC /LBody <>BDC BT 9 0 0 9 443.2532 640.8257 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.4471 640.8257 Tm .73 .19 0 0 k (17)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 379.9742 628.8258 Tm 0 0 0 1 k -.005 Tc (Op cit PMI 2009)Tj ET EMC /LBody <>BDC BT 9 0 0 9 443.2532 628.8258 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.4471 628.8258 Tm .73 .19 0 0 k (18)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 379.9742 616.8258 Tm 0 0 0 1 k -.005 Tc [(Op cit )19.5(T)46.4(urner)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 430.4803 616.8258 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.4471 616.8258 Tm .73 .19 0 0 k (19)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 379.9742 604.8258 Tm 0 0 0 1 k -.005 Tc [(Op cit Micr)9.8(osoft Corpor)19.5(ation)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 492.3574 604.8258 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.4471 604.8258 Tm .73 .19 0 0 k (20)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 379.9742 592.8258 Tm 0 0 0 1 k -.005 Tc [(Giudici, P)158.2(.; Fintech Risk Management: A)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 537.6921 592.8258 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.4471 592.8258 Tm .73 .19 0 0 k (21)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 379.447 580.8258 Tm 0 0 0 1 k -.005 Tc [(Resear)9.3(ch Challenge for Ar)-24.4(ticial Intelligence in)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 562.9086 580.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.447 568.8258 Tm -.005 Tc [(Finance,)83( F)12.7(r)9.8(ontiers in Ar)-24.4(ticial Intelligence, )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 547.7354 568.8258 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.447 556.8257 Tm -.02 Tc [(28 No)7.3(vember 2018, h)]TJ ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 461.1189 556.8257 Tm [(ttps:/)109.4(/www)60.6(.fr)9.8(ontiersin.org/)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 560.7176 556.8257 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.447 544.8257 Tm -.005 Tc [(ar)-24.4(ticles/10.3389/fr)19.5(ai.2018.00001/full)]TJ ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 524.1295 544.8257 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.9742 532.8257 Tm -.005 Tc [(Deloitte De)6.4(velopment LLC., )]TJ ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 488.6099 532.8257 Tm (Fintech Rsk and)Tj ET EMC /LBody <>BDC BT 9 0 0 9 550.3199 532.8257 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.4471 532.8257 Tm .73 .19 0 0 k (22)Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 379.447 520.8257 Tm 0 0 0 1 k -.005 Tc [(Compliance Management: A F)12.7(r)19.5(amework t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 544.652 520.8257 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.447 508.8257 Tm -.005 Tc (Empower the Organization)Tj ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 482.0433 508.8257 Tm (, UK 2019)Tj ET EMC /LBody <>BDC BT 9 0 0 9 519.5546 508.8257 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.9742 496.8257 Tm -.005 Tc [(Bar)9.3(clay Simpson, FinTech: Gr)9.8(owth Versus)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 544.3817 496.8257 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.4471 496.8257 Tm .73 .19 0 0 k (23)Tj ET EMC /LBody <>BDC /GS2 gs BT /F1 1 Tf 9 0 0 9 379.447 484.8257 Tm 0 0 0 1 k -.005 Tc [(Go)7.3(vernance, UK, 2018, )]TJ ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 469.811 484.8257 Tm [(https:/)109.4(/www)60.6(.banking)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 550.1937 484.8257 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.447 472.8257 Tm -.005 Tc [(tech.com/les/2018/11/Bar)9.3(clay-Simpson-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 379.447 460.8257 Tm [(gr)9.8(owth-versus-go)7.3(vernance.pdf)]TJ ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 497.1608 460.8257 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 379.9742 448.8257 Tm -.005 Tc (Op cit)Tj ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 402.5735 448.8257 Tm ( Lee, Shin)Tj ET EMC /LBody <>BDC BT 9 0 0 9 440.1716 448.8257 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.4471 448.8257 Tm .73 .19 0 0 k (24)Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 379.9742 436.8257 Tm 0 0 0 1 k -.005 Tc (Op cit)Tj ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 402.5735 436.8257 Tm ( Schindler)Tj ET EMC /LBody <>BDC BT 9 0 0 9 441.5823 436.8257 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.4471 436.8257 Tm .73 .19 0 0 k (25)Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 379.9742 424.8257 Tm 0 0 0 1 k -.005 Tc (Op cit)Tj ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 402.5735 424.8257 Tm ( Lee, Shin)Tj ET EMC /LBody <>BDC BT 9 0 0 9 440.1716 424.8257 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.4471 424.8257 Tm .73 .19 0 0 k (26)Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 379.9742 412.8257 Tm 0 0 0 1 k -.005 Tc (Op cit)Tj ET EMC /LBody <>BDC BT /F1 1 Tf 9 0 0 9 402.5735 412.8257 Tm ( Schindler)Tj ET EMC /Lbl <>BDC /GS1 gs BT /F3 1 Tf 9 0 0 9 362.4471 412.8257 Tm .73 .19 0 0 k 0 Tc (27)Tj ET EMC /P <>BDC /GS2 gs BT /F1 1 Tf 7 0 0 7 413.8918 20.9379 Tm 0 0 0 1 k [( 2020 ISACA. 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