%PDF-1.4 % 34 0 obj <> endobj 39 0 obj <> endobj 52 0 obj <> endobj 57 0 obj <> endobj 72 0 obj <> endobj 76 0 obj <> endobj 78 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 /TT2 1 Tf 7 0 0 7 490.9714 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 512.4123 23.0228 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 23.0228 Tm 1 .79 .26 .27 k [( V)6.3(OL 6)]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 23.0228 Tm 1 .79 .26 .27 k (1)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 35.5957 31.7313 Tm 0 0 0 1 k [( 2020 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.3(ed. )]TJ ET EMC /P <>BDC BT /TT6 1 Tf 7 0 0 7 143.0805 31.7313 Tm [(www)60.5(.isaca.or)9.3(g)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 36.2276 596.25 Tm -.005 Tc [(Digital banking is a disruptiv)6.3(e tr)9.3(end gr)9.8(owing in the)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.2224 596.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 584.25 Tm -.005 Tc [(banking industr)-8.8(y acr)9.8(oss the world. Simply put, it)]TJ ET EMC /P <>BDC BT 9 0 0 9 224.3989 584.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 572.25 Tm -.005 Tc [(includes banking ser)-8.8(vices pr)9.8(o)7.3(vided primarily or)]TJ ET EMC /P <>BDC BT 9 0 0 9 221.0611 572.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 560.25 Tm -.005 Tc [(wholly thr)9.8(ough digital or electr)9.8(onic means.)]TJ ET EMC /P <>BDC BT 9 0 0 9 203.4081 560.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 36.2276 534.2499 Tm .89 .522 .09 0 k -.005 Tc [(Industr)-8.8(y Ov)6.3(er)-8.8(view)]TJ ET EMC /P <>BDC BT 11 0 0 11 124.3994 534.2499 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 36.2276 516.2499 Tm 0 0 0 1 k -.005 Tc [(Ther)9.3(e ar)9.3(e many pla)7.3(y)6.3(ers in the mark)9.8(et that would)]TJ ET EMC /P <>BDC BT 9 0 0 9 225.7896 516.2499 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 504.25 Tm -.005 Tc [(consider themselv)6.3(es )28.8(digital banks.)83( Howe)6.3(v)6.3(e)0(r)60.1(,)0( b)5.4(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 227.5949 504.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 492.25 Tm -.005 Tc (strict de)Tj /TT13 1 Tf 3.5698 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nition, a bank has t)9.8(o)0( be char)-24.4(ter)9.3(ed b)5.4(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 215.6295 492.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 480.25 Tm -.005 Tc [(r)9.3(egulat)9.8(ors in most countries. Digital banks typically)]TJ ET EMC /P <>BDC BT 9 0 0 9 237.2883 480.25 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 468.2499 Tm -.005 Tc [(fall within two categories \(others ar)9.3(e consider)9.3(ed)]TJ ET EMC /P <>BDC BT 9 0 0 9 226.2138 468.2499 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 456.2499 Tm -.005 Tc [(bank par)-24.4(tners\):)]TJ ET EMC /P <>BDC BT 9 0 0 9 96.1314 456.2499 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 49.0058 438.274 Tm -.005 Tc (Established banking institutions that either)Tj ET EMC /LBody <>BDC BT 9 0 0 9 217.1345 438.274 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 36.2276 438.274 Tm 0 .89 .21 .07 k (1.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 47.2435 426.274 Tm 0 0 0 1 k -.005 Tc [(extend their existing ser)-8.8(vices thr)9.8(ough digital)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 221.0434 426.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.2435 414.274 Tm -.005 Tc [(channels wher)9.3(e possible or build tailor-made)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 223.4845 414.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.2435 402.274 Tm -.005 Tc [(ser)-8.8(vices t)9.8(o)0( cust)9.8(omers online \(e.g., Mar)9.3(cus b)5.4(y)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 225.294 402.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.2435 390.274 Tm -.005 Tc (Goldman Sachs\))Tj ET EMC /LBody <>BDC BT 9 0 0 9 112.7866 390.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 49.0058 372.298 Tm -.005 Tc [(Star)-24.4(tup or)9.3(ganizations gr)19.5(anted a banking license)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 237.1837 372.298 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 36.2276 372.298 Tm 0 .89 .21 .07 k (2.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 47.2435 360.298 Tm 0 0 0 1 k -.005 Tc [(\(i.e., neobanks\) that pr)9.8(o)7.3(vide ser)-8.8(vices in digital-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 47.2435 348.298 Tm [(only)52.2(, mobile-)]TJ /TT13 1 Tf 5.4633 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(rst channels \(e.g., Monz)7.8(o in the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 224.458 348.298 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47.2435 336.298 Tm -.005 Tc (United Kingdom\))Tj ET EMC /LBody <>BDC BT 9 0 0 9 113.6338 336.298 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 318.298 Tm -.005 Tc [(This new tr)9.3(end is accompanied b)5.4(y)0( the)]TJ ET EMC /P <>BDC BT 9 0 0 9 185.3625 318.298 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 306.2979 Tm -.005 Tc [(unpr)9.3(ecedented scale and depth of banking)]TJ ET EMC /P <>BDC BT 9 0 0 9 204.2021 306.2979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 294.2979 Tm -.005 Tc [(institutions working with thir)9.3(d par)-24.4(ties, posing new)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.6741 294.2979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 282.2979 Tm -.005 Tc [(challenges t)9.8(o)0( the thir)9.3(d-par)-24.4(ty risk management)]TJ ET EMC /P <>BDC BT 9 0 0 9 217.5827 282.2979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 270.2979 Tm -.005 Tc [(appr)9.8(oach banks tr)19.5(aditionally emplo)7.3(y)52.2(.)]TJ ET EMC /P <>BDC BT 9 0 0 9 180.8757 270.2979 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 36.2276 244.298 Tm .89 .522 .09 0 k -.005 Tc [(Common )29.3(Thir)9.3(d-P)5.4(ar)-24.4(ty Relationships in)]TJ ET EMC /P <>BDC BT 11 0 0 11 220.1916 244.298 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 11 0 0 11 36.2276 230.2979 Tm -.005 Tc (Digital Banking)Tj ET EMC /P <>BDC BT 11 0 0 11 110.2437 230.2979 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 36.2276 212.2979 Tm 0 0 0 1 k -.005 Tc [(Though some exist in tr)19.5(aditional banking business,)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.9026 212.2979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 200.2979 Tm -.005 Tc [(a number of thir)9.3(d-par)-24.4(ty r)9.3(elationships ar)9.3(e typical in)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.8269 200.2979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.2276 188.2979 Tm -.005 Tc (the digital banking context:)Tj ET EMC /P <>BDC BT 9 0 0 9 142.5989 188.2979 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 265.7435 596.25 Tm 0 .89 .21 .07 k -.005 Tc (Dominant Internet platforms)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.2087 596.25 Tm 0 0 0 1 k (These platforms)Tj ET EMC /LBody <>BDC BT 9 0 0 9 451.1482 596.25 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 254.7275 596.25 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 265.7435 584.25 Tm 0 0 0 1 k -.005 Tc [(ar)9.3(e usually not oriented t)9.8(owar)9.3(d becoming)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 429.1434 584.25 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 572.25 Tm -.005 Tc [(r)9.3(egulated )]TJ /TT13 1 Tf 4.3758 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nancial institutions. Instead, the)6.3(y)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 439.3896 572.25 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 560.25 Tm -.005 Tc [(work with banks t)9.8(o)0( embed banking ser)-8.8(vices int)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 455.2671 560.25 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 548.25 Tm -.005 Tc [(their platforms t)9.8(o)0( achie)6.3(v)6.3(e)0( gr)9.3(eater syner)9.3(gy and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 446.6188 548.25 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 536.25 Tm -.005 Tc [(monetization within their ecosystems. )19.5(These)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 442.1525 536.25 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 524.25 Tm -.005 Tc [(Internet platforms allow banks t)9.8(o)0( access)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 426.4495 524.25 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 512.25 Tm -.005 Tc [(unbank)9.8(ed or underbank)9.8(ed cust)9.8(omers and off)11.7(er)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 450.9943 512.25 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 500.25 Tm -.005 Tc [(alternativ)6.3(e insight int)9.8(o risk management for)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 437.6075 500.25 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 488.25 Tm -.005 Tc [(cust)9.8(omers. An example would be cr)9.3(edit lines t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 452.4326 488.25 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 476.25 Tm -.005 Tc [(Amaz)7.8(on mer)9.3(chants off)11.7(er)9.3(ed with Goldman)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 430.8297 476.25 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 464.25 Tm -.005 Tc (Sachs.)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 292.3857 466.95 Tm 0 Tc (1)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 295.3731 466.95 Tm ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 265.7435 446.274 Tm 0 .89 .21 .07 k -.005 Tc [(Specializ)7.8(ed business t)14.6(o)0( consumer \(B2C)12.7(\))]TJ ET EMC /LBody <>BDC BT 9 0 0 9 427.2997 446.274 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC BT /TT15 1 Tf 12 0 0 12 254.7275 446.274 Tm ()Tj ET EMC /LBody <>BDC BT /TT16 1 Tf 9 0 0 9 265.7435 434.274 Tm ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (nancial technology \()Tj /TT16 1 Tf 8.9816 0 TD 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (ntech\) platforms)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 424.1445 434.274 Tm 0 0 0 1 k (These)Tj ET EMC /LBody <>BDC BT 9 0 0 9 455.4054 434.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 422.274 Tm -.005 Tc [(ar)9.3(e usually not licensed banks, but the)6.3(y can)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 436.6759 422.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 410.274 Tm -.005 Tc [(dir)9.3(ectly ser)-8.8(v)6.3(e)0( individual cust)9.8(omers or small)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 436.2716 410.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 398.274 Tm -.005 Tc [(businesses with highly cust)9.8(omiz)7.8(ed solutions that)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 459.5365 398.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 386.274 Tm -.005 Tc [(include some banking ser)-8.8(vice components \(e.g.,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 455.9131 386.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 374.274 Tm -.005 Tc [(lending and pa)7.3(yment pr)9.8(ocessing\). )19.5(The)6.3(y can)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 437.158 374.274 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 265.7435 362.274 Tm -.005 Tc [(tar)9.3(get cust)9.8(omers unmet )]TJ /TT13 1 Tf 11.0133 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nancial needs in niche)Tj ET EMC /LBody <>BDC BT 9 0 0 9 457.2524 362.274 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT8 1 Tf 30 0 0 30 36.2262 675.894 Tm 1 .79 .26 .27 k -.02 Tc [(Digital Banking P)6.3(oses Challenges)]TJ ET EMC /P <>BDC BT 30 0 0 30 452.2785 675.894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 30 0 0 30 36.2262 641.8941 Tm -.02 Tc [(for )19.5(Thir)9.3(d-P)5.4(ar)-24.4(ty Risk Management)]TJ ET EMC /Artifact <>BDC .89 .522 .09 0 k 36.228 73.499 566.772 91.072 re f EMC /P <>BDC BT /TT4 1 Tf 11 0 0 11 43.4252 149.8909 Tm 0 0 0 0 k (Maosen Cai,)Tj ET EMC /P <>BDC BT /TT2 1 Tf 11 0 0 11 101.9567 149.8909 Tm [( CISA, CI)-8.8(A, FRM)]TJ ET EMC /P <>BDC BT 11 0 0 11 174.8784 149.8909 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 43.4252 139.091 Tm [(Is an audit analytics lead at one of the biggest digital banks in China. He driv)6.3(es inno)7.3(v)7.3(ativ)6.3(e analytic solutions int)9.8(o business )]TJ 53.9189 0 TD (and risk)Tj ET EMC /P <>BDC BT 9 0 0 9 560.2924 139.091 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 43.4252 128.291 Tm [(dimensions t)9.8(o)0( suppor)-24.4(t go)7.3(v)6.3(ernance of the bank. Prior t)9.8(o)0( that, he was a manager in risk advisor)-8.8(y pr)19.5(actice at Deloitte China.)]TJ ET EMC /P <>BDC BT 9 0 0 9 525.0176 128.291 Tm ( )Tj ET EMC /P <>BDC BT /TT4 1 Tf 11 0 0 11 43.4252 104.291 Tm -.02 Tc [(Han Y)30.8(an,)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 11 0 0 11 85.4399 104.291 Tm [( CISA, CI)-8.8(A, FRM)]TJ ET EMC /P <>BDC BT 11 0 0 11 158.3616 104.291 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 43.4252 93.491 Tm [(Is an audit senior manager at one of the biggest digital banks in China. He o)7.3(v)6.3(ersees internal audit and go)7.3(v)6.3(ernance pr)9.8(ogr)19.5(ams wit)]TJ 56.3759 0 TD (hin)Tj ET EMC /P <>BDC BT 9 0 0 9 562.916 93.491 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 43.4252 82.6909 Tm [(the bank. Prior t)9.8(o)0( that, he was a manager in enterprise risk ser)-8.8(vices at Deloitte China.)]TJ ET EMC /Figure <>BDC Q q 1 i 249.855 366.56 436.808 -245.704 re W n 686.663 366.555 -436.808 -245.704 re 249.855 366.555 m W n 624.362 378.105 -378.007 -265.305 re 246.355 378.105 m W n 249.855 366.555 436.808 -245.704 re W n 254.728 349.501 349.502 -172.501 re 381.184 82.691 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 q 351.866 0 0 175.714 252.997 175.445 cm /Im2 Do Q 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 0 0 0 k /GS1 gs 514.512 692.116 53.716 54.884 re f EMC /Figure <>BDC Q /GS1 gs BT /F1 1 Tf 9 0 0 9 514.512 721.5889 Tm .89412 .51765 .086274 0 k .0249 Tc 0 Tw (FEATURE)Tj ET q 1 i 514.526 746.986 53.701 -54.87 re W n q 1 0 0 1 568.227 747 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 Q endstream endobj 79 0 obj <>/XObject<>/ExtGState<>>> endobj 110 0 obj <> endobj 115 0 obj <> endobj 120 0 obj <> endobj 139 0 obj <> endobj 144 0 obj <> endobj 149 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 /TT2 1 Tf 7 0 0 7 39.4019 23.0548 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 60.8428 23.0548 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7515 23.0548 Tm 1 .79 .26 .27 k [( V)6.3(OL 6)]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 23.0548 Tm 1 .79 .26 .27 k (2)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 413.8304 30.75 Tm 0 0 0 1 k [( 2020 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.3(ed. )]TJ ET EMC /P <>BDC BT /TT6 1 Tf 7 0 0 7 521.3153 30.75 Tm [(www)60.5(.isaca.or)9.3(g)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 153.9623 675.9022 Tm -.005 Tc [(use cases and mo)7.3(v)6.3(e)0( nimbly t)9.8(o)0( addr)9.3(ess them. In)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 341.6588 675.9022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 663.9022 Tm -.005 Tc [(some cases, the)6.3(y par)-24.4(tner with incumbent banks)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 342.3443 663.9022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 651.9022 Tm -.005 Tc [(t)9.8(o)0( na)7.3(vigate r)9.3(egulat)9.8(or)-8.8(y hur)9.3(dles inv)7.3(olv)6.3(ed with)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 324.5872 651.9022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 639.9022 Tm -.005 Tc [(ser)-8.8(vices such as taking deposits and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 299.4498 639.9022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 627.9023 Tm -.005 Tc [(under)-8.3(writing loans.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 229.5461 627.9023 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 153.9623 609.9264 Tm 0 .89 .21 .07 k -.005 Tc [(Digital banking solution pr)17.6(o)7.3(viders)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 288.1623 609.9264 Tm 0 0 0 1 k (The)Tj ET EMC /LBody <>BDC BT 9 0 0 9 310.1045 609.9264 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 142.9463 609.9264 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 153.9623 597.9264 Tm 0 0 0 1 k -.005 Tc [(technology pr)9.3(er)9.3(equisite for digital banking is)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 328.7466 597.9264 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 585.9264 Tm -.005 Tc [(diff)11.7(er)9.3(ent fr)9.8(om that hosted b)5.4(y)0( incumbent banks)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 337.2687 585.9264 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 573.9264 Tm -.005 Tc [(in-house. )19.5(This giv)6.3(es rise t)9.8(o)0( or)9.3(ganizations that)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 332.3623 573.9264 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 561.9263 Tm -.005 Tc [(specializ)7.8(e in de)6.3(v)6.3(eloping technology solutions t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 342.1567 561.9263 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 549.9263 Tm -.005 Tc (enable digital banking, also known as Banking as)Tj ET EMC /LBody <>BDC BT 9 0 0 9 346.5204 549.9263 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 537.9263 Tm -.005 Tc [(a Ser)-8.8(vice \(BaaS\). Instead of ha)7.3(ving t)9.8(o)0( maintain)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 338.141 537.9263 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 525.9263 Tm -.005 Tc (full-stack legacy technologies, banks can now)Tj ET EMC /LBody <>BDC BT 9 0 0 9 334.377 525.9263 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 513.9263 Tm -.005 Tc [(focus on their unique adv)7.3(antage and be agile in)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 339.956 513.9263 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 501.9263 Tm -.005 Tc [(r)9.3(esponding t)9.8(o)0( cust)9.8(omer needs, le)6.3(v)6.3(e)0(r)19.5(aging out-of-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 489.9263 Tm [(bo)10.2(x application pr)9.8(ogr)19.5(amming inter)-7.3(faces \(APIs\))]TJ ET EMC /LBody <>BDC BT 9 0 0 9 338.4728 489.9263 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 477.9263 Tm -.005 Tc [(and solutions a)7.3(v)7.3(ailable in the mark)9.8(et and the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 329.965 477.9263 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 465.9263 Tm -.005 Tc (cloud.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 178.126 465.9263 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 153.9623 447.9504 Tm 0 .89 .21 .07 k -.005 Tc [(Data pr)17.6(o)7.3(viders/facilitat)14.6(ors)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 258.5637 447.9504 Tm 0 0 0 1 k [(The inher)9.3(ent lack of)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 343.5453 447.9504 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 142.9463 447.9504 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 153.9623 435.9504 Tm 0 0 0 1 k -.005 Tc [(physical r)9.3(each t)9.8(o)0( cust)9.8(omers pushes digital)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 322.5413 435.9504 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 423.9504 Tm -.005 Tc [(banks t)9.8(o)0( pursue alternativ)6.3(e data sour)9.3(ces such as)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 347.2411 423.9504 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 411.9504 Tm -.005 Tc [(for cr)9.3(edit assessment, cust)9.8(omer identity)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 312.8885 411.9504 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 399.9504 Tm -.005 Tc [(v)6.3(eri)]TJ /TT13 1 Tf 1.5689 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(cation and antifr)19.5(aud. )19.5(This is usually)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 312.4294 399.9504 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 387.9504 Tm -.005 Tc [(a)7.3(v)7.3(ailable thr)9.8(ough open APIs facilitated b)5.4(y)0( thir)9.3(d-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 375.9504 Tm [(par)-24.4(ty pr)9.8(o)7.3(viders that ar)9.3(e then r)9.3(esponsible for)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 326.4977 375.9504 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 363.9504 Tm -.005 Tc [(connecting t)9.8(o)0( diff)11.7(er)9.3(ent data sour)9.3(ces such as)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 329.966 363.9504 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 351.9504 Tm -.005 Tc [(cust)9.8(omer information in other banks, cr)9.3(edit)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 324.1397 351.9504 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 339.9504 Tm -.005 Tc [(r)9.3(epor)-24.4(ts and identi)]TJ /TT13 1 Tf 7.7176 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (cation data.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 275.0522 339.9504 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 153.9623 321.9744 Tm 0 .89 .21 .07 k -.005 Tc (Other )Tj /TT16 1 Tf 2.7122 0 TD 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (nancial institutions)Tj ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 260.0842 321.9744 Tm 0 0 0 1 k 0 Tc ()Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 266.9078 321.9744 Tm -.005 Tc (On the demand side,)Tj ET EMC /LBody <>BDC BT 9 0 0 9 347.6596 321.9744 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 142.9463 321.9744 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 153.9623 309.9743 Tm 0 0 0 1 k -.005 Tc [(digital banks ma)7.3(y ha)7.3(v)6.3(e)0( r)9.3(e)6.3(v)7.3(olutioniz)7.8(ed how)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 320.455 309.9743 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 297.9744 Tm -.005 Tc [(cust)9.8(omer needs ar)9.3(e ful)]TJ /TT13 1 Tf 10.0897 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(lled and how ser)-8.8(vices)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 334.6461 297.9744 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 285.9744 Tm -.005 Tc [(ar)9.3(e deliv)6.3(er)9.3(ed; howe)6.3(v)6.3(e)0(r)60.1(,)0( on the supply side, the)6.3(y)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 337.1294 285.9744 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 273.9744 Tm -.005 Tc [(still ha)7.3(v)6.3(e)0( t)9.8(o)0( work with existing )]TJ /TT13 1 Tf 13.3775 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nancial)Tj ET EMC /LBody <>BDC BT 9 0 0 9 307.7855 273.9744 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 261.9744 Tm -.005 Tc [(institutions, especially for ser)-8.8(vices r)9.3(elated t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 329.1092 261.9744 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT13 1 Tf 9 0 0 9 153.9623 249.9744 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nancial infr)19.5(astructur)9.3(e such as interbank)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 314.9661 249.9744 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 237.9744 Tm -.005 Tc [(tr)19.5(ansactions and pa)7.3(yment pr)9.8(ocessing. )19.5(The)6.3(y ma)7.3(y)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 345.0602 237.9744 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 225.9744 Tm -.005 Tc [(also par)-24.4(tner with other )]TJ /TT13 1 Tf 10.1447 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nancial ser)-8.8(vice pr)9.8(o)7.3(viders)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 348.0388 225.9744 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 213.9744 Tm -.005 Tc [(such as insur)9.3(ers and securities br)9.8(ok)9.8(ers as digital)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 346.1799 213.9744 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 201.9744 Tm -.005 Tc [(banks endea)7.3(v)7.3(or t)9.8(o)0( be the one-st)9.8(op-shop for)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 325.49 201.9744 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 153.9623 189.9744 Tm -.005 Tc [(cust)9.8(omers )]TJ /TT13 1 Tf 5.1301 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nancial needs.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 262.0583 189.9744 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 142.9463 163.9744 Tm .89 .522 .09 0 k -.005 Tc [(Risk Arising F)12.7(r)17.6(om )29.3(Thir)9.3(d-P)5.4(ar)-24.4(ty)]TJ ET EMC /P <>BDC BT 11 0 0 11 288.2083 163.9744 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 11 0 0 11 142.9463 149.9744 Tm -.005 Tc (Relationships)Tj ET EMC /P <>BDC BT 11 0 0 11 209.6012 149.9744 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 142.9463 131.9744 Tm 0 0 0 1 k -.02 Tc [(Thir)9.3(d-par)-24.4(ty engagement aff)11.7(ects all le)6.3(v)6.3(els of digital)]TJ ET EMC /P <>BDC BT 9 0 0 9 333.3761 131.9744 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142.9463 119.9744 Tm -.02 Tc [(banking fr)9.8(om oper)19.5(ations suppor)-24.4(t t)9.8(o)0( the cor)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 311.1907 119.9744 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142.9463 107.9744 Tm -.02 Tc [(business. If not managed pr)9.8(operly)52.2(, thir)9.3(d-par)-24.4(ty)]TJ ET EMC /P <>BDC BT 9 0 0 9 314.9266 107.9744 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142.9463 95.9744 Tm -.02 Tc [(r)9.3(elationships can potentially cause a contagion eff)11.7(ect)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.3535 95.9744 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142.9463 83.9744 Tm -.02 Tc [(in all major risk domains, par)-24.4(ticularly the following.)]TJ ET EMC /P <>BDC BT 9 0 0 9 335.6572 83.9744 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT10 1 Tf 9 0 0 9 361.4463 675.9022 Tm -.005 Tc [(Str)14.6(ategic Risk: )29.3(The Indispensable Dependency)]TJ ET EMC /P <>BDC BT 9 0 0 9 545.158 675.9022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 361.4463 663.9022 Tm -.02 Tc (The last decade of booming Internet-based economy)Tj ET EMC /P <>BDC BT 9 0 0 9 563.3143 663.9022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 651.9022 Tm -.02 Tc [(ended with a f)11.7(ew dominant pla)7.3(y)6.3(ers gr)9.8(owing fr)9.8(om)]TJ ET EMC /P <>BDC BT 9 0 0 9 547.6781 651.9022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 639.9022 Tm -.02 Tc [(diff)11.7(er)9.3(ent v)6.3(e)0(r)-24.4(tical segments int)9.8(o massiv)6.3(e digital)]TJ ET EMC /P <>BDC BT 9 0 0 9 539.632 639.9022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 627.9023 Tm -.02 Tc (platforms connecting billions of users \(e.g.,)Tj ET EMC /P <>BDC BT 9 0 0 9 526.0172 627.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 615.9023 Tm -.02 Tc [(F)16.6(acebook,)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 400.6692 618.6023 Tm 0 Tc (2)Tj ET EMC /P <>BDC BT 9 0 0 9 403.5215 615.9023 Tm -.02 Tc [( )19.5(T)48.3(encent\). )19.5(These platforms off)11.7(er unique)]TJ ET EMC /P <>BDC BT 9 0 0 9 554.2924 615.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 603.9023 Tm -.02 Tc [(adv)7.3(antages and oppor)-24.4(tunities for digital banks but)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.2642 603.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 591.9023 Tm -.02 Tc [(with an unbalanced position of bar)9.3(gaining power)60.1(. F)10.2(o)0(r)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.1964 591.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 579.9023 Tm -.02 Tc (Internet giants, )Tj /TT13 1 Tf 6.5199 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(nancial ser)-8.8(vices pr)9.8(o)7.3(vided b)5.4(y)0( digital)]TJ ET EMC /P <>BDC BT 9 0 0 9 557.6685 579.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 567.9022 Tm -.02 Tc [(banks ar)9.3(e intended t)9.8(o)0( expand cust)9.8(omer footprints)]TJ ET EMC /P <>BDC BT 9 0 0 9 552.0115 567.9022 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 555.9023 Tm -.02 Tc (within their own digital ecosystems while taking the)Tj ET EMC /P <>BDC BT 9 0 0 9 557.4526 555.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 543.9023 Tm -.02 Tc [(lion)39.1()54.7(s)0( shar)9.3(e of pr)9.8(o)]TJ /TT13 1 Tf 7.4384 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ts fr)9.8(om those ser)-8.8(vices. )19.5(Their)]TJ ET EMC /P <>BDC BT 9 0 0 9 541.7241 543.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 531.9023 Tm -.02 Tc [(ultimate goal is t)9.8(o)0( r)9.3(einfor)9.3(ce their ecosystem)]TJ ET EMC /P <>BDC BT 9 0 0 9 528.7682 531.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 519.9023 Tm -.02 Tc [(dominance and, in doing so, the)6.3(y tend t)9.8(o)0( pla)7.3(y a)]TJ ET EMC /P <>BDC BT 9 0 0 9 539.2451 519.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 507.9023 Tm -.02 Tc [(mark)9.8(etplace r)9.8(ole among div)6.3(erse gr)9.8(oups of )]TJ /TT13 1 Tf 18.1571 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (nancial)Tj ET EMC /P <>BDC BT 9 0 0 9 557.2061 507.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 495.9023 Tm -.02 Tc [(ser)-8.8(vice pr)9.8(o)7.3(viders. F)10.2(or digital-only banks, the)]TJ ET EMC /P <>BDC BT 9 0 0 9 527.5204 495.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 483.9023 Tm -.02 Tc [(unpar)19.5(alleled dependency on thir)9.3(d-par)-24.4(ty Internet)]TJ ET EMC /P <>BDC BT 9 0 0 9 541.0557 483.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 471.9023 Tm -.02 Tc [(platforms is sometimes una)7.3(v)7.3(oidable and)]TJ ET EMC /P <>BDC BT 9 0 0 9 517.3718 471.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 459.9023 Tm -.02 Tc [(uncontr)9.8(ollable. F)10.7(u)0(r)-24.4(thermor)9.3(e, competing Internet)]TJ ET EMC /P <>BDC BT 9 0 0 9 543.9341 459.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 447.9023 Tm -.02 Tc [(giants ma)7.3(y for)9.3(ce their par)-24.4(tner banks t)9.8(o)0( tak)9.8(e sides for)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.7397 447.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 435.9023 Tm -.02 Tc [(an ex)9.8(clusiv)6.3(e cooper)19.5(ation r)9.3(elationship.)]TJ ET EMC /P <>BDC BT 9 0 0 9 505.0583 435.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT10 1 Tf 9 0 0 9 361.4463 303.9023 Tm -.005 Tc [(Cr)9.3(edit Risk: New F)12.7(r)17.6(ontiers of the Old Game)]TJ ET EMC /P <>BDC BT 9 0 0 9 531.2294 303.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 361.4463 291.9023 Tm -.005 Tc (A signi)Tj /TT13 1 Tf 2.9787 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(cant por)-24.4(tion of digital-banking ser)-8.8(vices via)]TJ ET EMC /P <>BDC BT 9 0 0 9 560.0955 291.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 279.9023 Tm -.005 Tc [(thir)9.3(d-par)-24.4(ty Internet platforms is online lending,)]TJ ET EMC /P <>BDC BT 9 0 0 9 543.118 279.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 267.9023 Tm -.005 Tc [(commonly in the form of loans or cr)9.3(edit lines)]TJ ET EMC /P <>BDC BT 9 0 0 9 538.051 267.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 255.9023 Tm -.005 Tc [(gr)19.5(anted t)9.8(o)0( cust)9.8(omers on these platforms. Retail-)]TJ ET EMC /P <>BDC BT 9 0 0 9 361.4463 243.9023 Tm [(cr)9.3(edit risk management tr)19.5(aditionally focuses on)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.3559 243.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 231.9023 Tm -.005 Tc [(assessing the borr)9.8(ower)60.1(, but digital lenders would)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.8496 231.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 219.9023 Tm -.005 Tc [(ha)7.3(v)6.3(e)0( t)9.8(o)0( include the par)-24.4(tnering platform as an)]TJ ET EMC /P <>BDC BT 9 0 0 9 538.1609 219.9023 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.4463 207.9023 Tm -.005 Tc [(ongoing risk v)7.3(ariable. Such risk ma)7.3(y include:)]TJ ET EMC /P <>BDC BT 9 0 0 9 535.7922 207.9023 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.4623 189.9262 Tm -.02 Tc [(Each Internet platform has tar)9.3(get cust)9.8(omer gr)9.8(oups)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 565.6293 189.9262 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 361.4463 189.9262 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 372.4623 177.9262 Tm 0 0 0 1 k -.02 Tc [(subject t)9.8(o)0( spor)19.5(adic changes based on mark)9.8(et)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 546.3801 177.9262 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.4623 165.9262 Tm -.02 Tc [(conditions. If the change is be)6.3(y)7.3(ond the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 519.3132 165.9262 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.4623 153.9262 Tm -.02 Tc (expectations of digital banks, it might)Tj ET EMC /LBody <>BDC BT 9 0 0 9 514.8308 153.9262 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.4623 141.9262 Tm -.02 Tc (subsequently nullify risk assumptions and)Tj ET EMC /LBody <>BDC BT 9 0 0 9 532.4182 141.9262 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.4623 129.9262 Tm -.02 Tc [(v)7.3(ariables pr)9.3(e)6.3(viously built, and pr)9.3(e)6.3(v)6.3(ent existing risk)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 562.0354 129.9262 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.4623 117.9262 Tm -.02 Tc [(models/algorithms fr)9.8(om working as intended.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 547.4039 117.9262 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.4623 99.9503 Tm -.005 Tc [(The platform itself oper)19.5(ates under diff)11.7(er)9.3(ent)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 542.507 99.9503 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 361.4463 99.9503 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 372.4623 87.9503 Tm 0 0 0 1 k -.005 Tc [(incentiv)6.3(es than the digital lenders and ma)7.3(y)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 540.6229 87.9503 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.4623 75.9503 Tm -.005 Tc [(sometimes push for undesir)19.5(able cust)9.8(omer)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 539.7436 75.9503 Tm 0 Tc ( )Tj ET EMC /Artifact <>BDC 1 .79 .26 .27 k /GS1 gs 361.446 321.638 203.265 101.649 re f EMC /P <>BDC BT /TT18 1 Tf 47 0 0 47 368.0565 382.8243 Tm 0 .89 .21 .07 k ()Tj ET EMC /P <>BDC BT /TT2 1 Tf 14 0 0 14 381.9636 402.8246 Tm 0 0 0 0 k -.0195 Tw [( THIRD-P)67.4(AR)39.1(T)-7.8(Y)]TJ ET EMC /P <>BDC BT 14 0 0 14 470.9266 402.8246 Tm 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 368.0565 384.8246 Tm [(ENGA)5.4(GEMEN)14.2(T)19.5( AFFEC)14.2(T)7.8(S)0( ALL)]TJ ET EMC /P <>BDC BT 14 0 0 14 549.2841 384.8246 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 368.0565 366.8246 Tm [(LEVELS OF DIGI)14.2(T)38.6(AL BANKING)]TJ ET EMC /P <>BDC BT 14 0 0 14 554.5546 366.8246 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 368.0565 348.8246 Tm [(FROM OPERA)63(TIONS SUPPOR)39.1(T)]TJ ET EMC /P <>BDC BT 14 0 0 14 557.3779 348.8246 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 368.0565 330.8246 Tm [(T)13.7(O)0( )19.5(THE CORE BUSINESS. )]TJ ET EMC /P <>BDC BT /TT18 1 Tf 47 0 0 47 529.1796 310.8243 Tm 0 .89 .21 .07 k ()Tj ET EMC Q endstream endobj 150 0 obj <>/ExtGState<>>> endobj 169 0 obj <> endobj 188 0 obj <> endobj 193 0 obj <> endobj 198 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 /TT2 1 Tf 7 0 0 7 490.9714 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 512.4123 23.0228 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 23.0228 Tm 1 .79 .26 .27 k [( V)6.3(OL 6)]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 23.0228 Tm 1 .79 .26 .27 k (3)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 36.1747 30.75 Tm 0 0 0 1 k [( 2020 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.3(ed. )]TJ ET EMC /P <>BDC BT /TT6 1 Tf 7 0 0 7 143.6596 30.75 Tm [(www)60.5(.isaca.or)9.3(g)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 46.3454 675.9022 Tm -.005 Tc [(actions fr)9.8(om a risk perspectiv)6.3(e. F)10.2(or instance,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 223.037 675.9022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3454 663.9022 Tm -.005 Tc [(cust)9.8(omers ma)7.3(y be lur)9.3(ed b)5.4(y)0( misinterpr)9.3(eted)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 212.5096 663.9022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3454 651.9022 Tm -.005 Tc [(mark)9.8(eting t)9.8(o)0( opt int)9.8(o buy now pa)7.3(y later \(BNPL\))]TJ ET EMC /LBody <>BDC BT 9 0 0 9 230.3979 651.9022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3454 639.9022 Tm -.005 Tc [(off)11.7(ers \(i.e., installment loans\) for unaffor)9.3(dable)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 227.49 639.9022 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3454 627.9023 Tm -.005 Tc [(pur)9.3(chases, only t)9.8(o)0( dispute r)9.3(epa)7.3(yment later in the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 237.3117 627.9023 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3454 615.9023 Tm -.005 Tc [(collection pr)9.8(ocess. )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 125.2671 615.9023 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3454 597.9264 Tm -.005 Tc [(Due t)9.8(o)0( technology constr)19.5(aints or user experience)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 239.2376 597.9264 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 35.3294 597.9264 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 46.3454 585.9264 Tm 0 0 0 1 k -.005 Tc [(consider)19.5(ations, not all due v)7.3(alidation can be)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 218.8105 585.9264 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3454 573.9264 Tm -.005 Tc [(per)-7.3(formed t)9.8(o)0( facilitate cr)9.3(edit risk assessment, or)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 238.0445 573.9264 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3454 561.9263 Tm -.005 Tc [(all r)9.3(equir)9.3(ed v)7.3(ariables ma)7.3(y not be collected on the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 239.0071 561.9263 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.3454 549.9263 Tm -.005 Tc [(thir)9.3(d-par)-24.4(ty platform.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 125.2671 549.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT10 1 Tf 9 0 0 9 35.3294 525.9263 Tm -.005 Tc [(Compliance Risk: Inno)7.3(v)7.3(ation in a Legacy W)15.1(orld)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.9738 525.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 35.3294 513.9263 Tm -.005 Tc [(The r)9.3(egulation landscape is e)6.3(v)7.3(olving with the boom)]TJ ET EMC /P <>BDC BT 9 0 0 9 237.4172 513.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 501.9263 Tm -.005 Tc [(of digital banking, but it is not alwa)7.3(ys in sync. In)]TJ ET EMC /P <>BDC BT 9 0 0 9 222.4957 501.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 489.9263 Tm -.005 Tc [(fact, desynchr)9.8(onization is the r)9.8(oot of many)]TJ ET EMC /P <>BDC BT 9 0 0 9 203.3142 489.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 477.9263 Tm -.005 Tc [(compliance issues facing digital banks, and thir)9.3(d-)]TJ ET EMC /P <>BDC BT 9 0 0 9 35.3294 465.9263 Tm [(par)-24.4(ty r)9.3(elationships ar)9.3(e no ex)9.8(ception. On one hand,)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.2537 465.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 453.9263 Tm -.005 Tc [(r)9.3(egulation o)7.3(v)6.3(er thir)9.3(d-par)-24.4(ty r)9.3(elationships is based on)]TJ ET EMC /P <>BDC BT 9 0 0 9 237.4053 453.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 441.9263 Tm -.005 Tc (past decades of banking experience and multiple)Tj ET EMC /P <>BDC BT 9 0 0 9 228.5565 441.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT13 1 Tf 9 0 0 9 35.3294 429.9263 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nancial inno)7.3(v)7.3(ation failur)9.3(es turning int)9.8(o chaos.)]TJ ET EMC /P <>BDC BT 9 0 0 9 219.3621 429.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 417.9263 Tm -.005 Tc [(Digital banks running on inno)7.3(v)7.3(ativ)6.3(e business)]TJ ET EMC /P <>BDC BT 9 0 0 9 210.5948 417.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 405.9263 Tm -.005 Tc [(models with thir)9.3(d par)-24.4(ties might seem vulner)19.5(able)]TJ ET EMC /P <>BDC BT 9 0 0 9 225.0674 405.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 393.9263 Tm -.005 Tc [(fr)9.8(om a r)9.3(egulat)9.8(or)-8.8(y perspectiv)6.3(e, not t)9.8(o)0( mention the)]TJ ET EMC /P <>BDC BT 9 0 0 9 227.434 393.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 381.9263 Tm -.005 Tc [(r)9.3(esistance fr)9.8(om established banks t)9.8(o)0( saf)11.7(eguar)9.3(d)]TJ ET EMC /P <>BDC BT 9 0 0 9 223.4468 381.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 369.9263 Tm -.005 Tc [(their inter)9.3(ests aligned with existing r)9.3(egulation. On)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.7863 369.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 357.9263 Tm -.005 Tc [(the other hand, digital banks should not f)11.7(ear)]TJ ET EMC /P <>BDC BT 9 0 0 9 208.4141 357.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 345.9263 Tm -.005 Tc [(r)9.3(egulation. Digital banking or )]TJ /TT13 1 Tf 12.7908 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nancial technology at)Tj ET EMC /P <>BDC BT 9 0 0 9 239.6333 345.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 333.9263 Tm -.005 Tc [(lar)9.3(ge can be nur)-24.4(tur)9.3(ed positiv)6.3(ely for )]TJ /TT13 1 Tf 15.4219 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nancial)Tj ET EMC /P <>BDC BT 9 0 0 9 207.5529 333.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 321.9263 Tm -.005 Tc (inclusion, but it can also be abused because of)Tj ET EMC /P <>BDC BT 9 0 0 9 219.495 321.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 309.9263 Tm -.005 Tc [(gr)9.3(eed. F)10.2(or example, peer-t)9.8(o-peer \(P2P\) lending)]TJ ET EMC /P <>BDC BT 9 0 0 9 218.2525 309.9263 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 297.9262 Tm -.005 Tc [(enabled b)5.4(y)0( digital platforms once boomed in China)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.7351 297.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 285.9262 Tm -.005 Tc [(amid little or no r)9.3(egulation,)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 140.2671 288.6263 Tm 0 Tc (3)Tj ET EMC /P <>BDC BT 9 0 0 9 143.2543 285.9262 Tm -.005 Tc ( but as these platforms)Tj ET EMC /P <>BDC BT 9 0 0 9 234.5928 285.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 273.9262 Tm -.005 Tc [(unduly issued loans fr)9.8(om individual inv)6.3(est)9.8(ors)]TJ ET EMC /P <>BDC BT 9 0 0 9 214.3984 273.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 261.9262 Tm -.005 Tc [(mone)6.3(y instead of fr)9.8(om their own pock)9.8(et, lar)9.3(ge-scale)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.5563 261.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 249.9262 Tm -.005 Tc [(defaults emer)9.3(ged, r)9.3(esulting in the almost entir)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.9134 249.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 237.9262 Tm -.005 Tc [(collapse of the P2P lending sect)9.8(or)60.1(.)]TJ ET EMC /P <>BDC BT 9 0 0 9 171.9632 237.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT10 1 Tf 9 0 0 9 35.3294 213.9262 Tm -.005 Tc [(Cyberrisk: )29.3(The Extended Enterprise)]TJ ET EMC /P <>BDC BT 9 0 0 9 174.5744 213.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 35.3294 201.9262 Tm -.005 Tc [(In a digitally inter)9.3(connected world, the cybersecurity)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.3643 201.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 189.9262 Tm -.005 Tc [(str)9.3(ength of any single pla)7.3(y)6.3(er is not measur)9.3(ed b)5.4(y)0( its)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.3587 189.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 177.9262 Tm -.005 Tc [(own def)11.7(ense but b)5.4(y)0( the weak)9.8(est link in the br)9.8(oader)]TJ ET EMC /P <>BDC BT 9 0 0 9 234.7585 177.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 165.9262 Tm -.005 Tc [(ecosystem. Lik)9.8(ewise, digital banks need t)9.8(o)0( consider)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.6223 165.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 153.9262 Tm -.005 Tc [(their par)-24.4(tners cybersecurity t)9.8(o)0( an equal degr)9.3(ee as)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.9319 153.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 141.9262 Tm -.005 Tc [(their own. Such thr)9.3(eats ha)7.3(v)6.3(e)0( ne)6.3(v)6.3(er gone far: In)]TJ ET EMC /P <>BDC BT 9 0 0 9 217.4604 141.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 129.9262 Tm -.005 Tc [(September 2017, E)9.3(quifax, a major cr)9.3(edit bur)9.3(eau in)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.2528 129.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 117.9262 Tm -.005 Tc [(the United States, announced a data br)9.3(each in)]TJ ET EMC /P <>BDC BT 9 0 0 9 216.2627 117.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 105.9262 Tm -.005 Tc [(which hack)9.8(ers wer)9.3(e able t)9.8(o)0( access the priv)7.3(ate)]TJ ET EMC /P <>BDC BT 9 0 0 9 216.3156 105.9262 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.3294 93.9262 Tm -.005 Tc (information of 147 million consumers.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 186.3002 96.6262 Tm 0 Tc (4)Tj ET EMC /P <>BDC BT 9 0 0 9 189.2876 93.9262 Tm -.005 Tc -.0195 Tw [( This)]TJ ET EMC /P <>BDC BT 9 0 0 9 208.2668 93.9262 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.4463 581.2078 Tm -.005 Tc (included names, social security numbers, dates of)Tj ET EMC /P <>BDC BT 9 0 0 9 450.3803 581.2078 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.4463 569.2078 Tm -.005 Tc [(bir)-24.4(th, cr)9.3(edit car)9.3(d numbers and e)6.3(v)6.3(en driv)6.3(er)-7.8()54.7(s)0( license)]TJ ET EMC /P <>BDC BT 9 0 0 9 452.8118 569.2078 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.4463 557.2078 Tm -.005 Tc [(numbers. F)10.7(u)0(r)-24.4(ther inv)6.3(estigation r)9.3(e)6.3(v)6.3(ealed that)]TJ ET EMC /P <>BDC BT 9 0 0 9 427.4329 557.2078 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.4463 545.2078 Tm -.005 Tc [(E)9.3(quifax was awar)9.3(e of the system)39.1()54.7(s)0( vulner)19.5(ability)]TJ ET EMC /P <>BDC BT 9 0 0 9 438.5128 545.2078 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.4463 533.2078 Tm -.005 Tc [(befor)9.3(e it was exploited but failed t)9.8(o)0( install the)]TJ ET EMC /P <>BDC BT 9 0 0 9 432.6836 533.2078 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.4463 521.2078 Tm -.005 Tc [(necessar)-8.8(y patches. It was not a digital bank, but the)]TJ ET EMC /P <>BDC BT 9 0 0 9 457.2051 521.2078 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.4463 509.2078 Tm -.005 Tc [(data br)9.3(each illustr)19.5(ates the cybersecurity risk that)]TJ ET EMC /P <>BDC BT 9 0 0 9 445.0475 509.2078 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.4463 497.2078 Tm -.005 Tc [(arises fr)9.8(om ecosystem par)-24.4(tners.)]TJ ET EMC /P <>BDC BT 9 0 0 9 381.6992 497.2078 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 253.4463 471.2078 Tm .89 .522 .09 0 k -.005 Tc [(The Holistic A)23.4(ppr)17.6(oach t)14.6(o)0( )29.3(Thir)9.3(d-P)5.4(ar)-24.4(ty Risk)]TJ ET EMC /P <>BDC BT 11 0 0 11 456.6258 471.2078 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 11 0 0 11 253.4463 457.2078 Tm -.005 Tc (in the Digital Banking Age)Tj ET EMC /P <>BDC BT 11 0 0 11 379.5964 457.2078 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 253.4463 439.2078 Tm 0 0 0 1 k -.005 Tc [(Oppor)-24.4(tunities and challenges for thir)9.3(d-par)-24.4(ty)]TJ ET EMC /P <>BDC BT 9 0 0 9 425.0202 439.2078 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.4463 427.2078 Tm -.005 Tc [(r)9.3(elationships confr)9.8(onting digital banks call for a)]TJ ET EMC /P <>BDC BT 9 0 0 9 440.9969 427.2078 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.4463 415.2078 Tm -.005 Tc [(mor)9.3(e holistic and pr)19.5(agmatic appr)9.8(oach, as)]TJ ET EMC /P <>BDC BT 9 0 0 9 416.8418 415.2078 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.4463 403.2078 Tm -.005 Tc [(summariz)7.8(ed in thr)9.3(ee guiding principles:)]TJ ET EMC /P <>BDC BT 9 0 0 9 408.3174 403.2078 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 266.2246 385.2318 Tm 0 .89 .21 .07 k -.005 Tc [(Be str)14.6(ategically pr)14.6(agmatic)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 370.9457 385.2318 Tm 0 0 0 1 k [(Thir)9.3(d-par)-24.4(ty)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 420.8727 385.2318 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 253.4463 385.2318 Tm 0 .89 .21 .07 k (1.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 266.1963 373.2318 Tm 0 0 0 1 k -.005 Tc [(r)9.3(elationships ar)9.3(e, ultimately)52.2(, a pr)9.8(ocess of)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 426.8509 373.2318 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 361.2318 Tm -.005 Tc [(achie)6.3(ving power equilibrium between digital)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 439.0105 361.2318 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 349.2318 Tm -.005 Tc [(banks and their thir)9.3(d par)-24.4(ties. )19.5(The fundamental)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 448.2535 349.2318 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 337.2318 Tm -.005 Tc [(question is: How indispensable is one t)9.8(o)0( the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 439.55 337.2318 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 325.2318 Tm -.005 Tc [(other? Digital bank leadership must str)19.5(ategically)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 455.5541 325.2318 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 313.2318 Tm -.005 Tc [(consider its competitiv)6.3(e adv)7.3(antage t)9.8(owar)9.3(d each)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 455.2145 313.2318 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 301.2318 Tm -.005 Tc [(thir)9.3(d par)-24.4(ty and striv)6.3(e t)9.8(o)0( become an integr)19.5(al)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 435.1774 301.2318 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 289.2318 Tm -.005 Tc [(component of that thir)9.3(d par)-24.4(ty)-7.3()54.7(s)0( cor)9.3(e business.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 447.3702 289.2318 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 266.2246 271.2558 Tm 0 .89 .21 .07 k -.005 Tc [(Continuously prioritiz)7.8(e)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 356.9038 271.2558 Tm 0 0 0 1 k [(Banking is inher)9.3(ently a)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 452.4335 271.2558 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 253.4463 271.2558 Tm 0 .89 .21 .07 k (2.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 266.1963 259.2558 Tm 0 0 0 1 k -.005 Tc [(business of balancing risk and r)9.3(eturn, and so is)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 451.1826 259.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 247.2558 Tm -.005 Tc [(the thir)9.3(d-par)-24.4(ty r)9.3(elationship. F)10.2(or example, the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 439.6797 247.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 235.2558 Tm -.005 Tc [(upside of a digital bank)54.7(s r)9.3(eliance on thir)9.3(d-par)-24.4(ty)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 451.8528 235.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 223.2558 Tm -.005 Tc [(Internet platforms is faster time t)9.8(o)0( mark)9.8(et and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 448.3711 223.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 211.2558 Tm -.005 Tc [(scalability)52.2(. Howe)6.3(v)6.3(e)0(r)60.1(,)0( it is impor)-24.4(tant t)9.8(o)0( determine)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 455.3026 211.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 199.2558 Tm -.005 Tc [(when the risk should be prioritiz)7.8(ed o)7.3(v)6.3(er its r)9.3(eturn)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 457.6351 199.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 187.2558 Tm -.005 Tc (and )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 283.1814 187.2558 Tm [(vice v)6.3(ersa)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 321.8693 187.2558 Tm [(. One par)-24.4(ticular cause of concern)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 452.4799 187.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 175.2558 Tm -.005 Tc [(is economic cy)6.3(clicality \(i.e., existing dominant)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 446.4321 175.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 163.2558 Tm -.005 Tc [(Internet pla)7.3(y)6.3(ers ar)9.3(e the r)9.3(esult of early)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 412.4795 163.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 151.2558 Tm -.005 Tc [(digitalization of cer)-24.4(tain industries and sect)9.8(ors)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 446.5728 151.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 139.2558 Tm -.005 Tc [(and ma)7.3(y satur)19.5(ate earlier than later adopters\).)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 443.8458 139.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 127.2558 Tm -.005 Tc [(Digital banks looking t)9.8(o)0( par)-24.4(tner with these)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 432.1242 127.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 115.2558 Tm -.005 Tc [(platforms must continuously weigh and mak)9.8(e a)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 453.5334 115.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 103.2558 Tm -.005 Tc [(tr)19.5(ade-off between emer)9.3(ging oppor)-24.4(tunities and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 447.3503 103.2558 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.1963 91.2558 Tm -.005 Tc [(corr)9.3(esponding risk.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 342.0525 91.2558 Tm 0 Tc ( )Tj ET EMC /Artifact <>BDC 1 .79 .26 .27 k /GS1 gs 252.309 597.887 350.691 85.109 re f EMC /P <>BDC BT /TT18 1 Tf 47 0 0 47 258.9186 642.5333 Tm 0 .89 .21 .07 k ()Tj ET EMC /P <>BDC BT /TT2 1 Tf 14 0 0 14 272.8259 662.5337 Tm 0 0 0 0 k [( OPPOR)39.1(TUNI)14.2(TIES AND CH)-8.8(ALLENGES FOR)]TJ ET EMC /P <>BDC BT 14 0 0 14 532.5507 662.5337 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 258.9186 644.5337 Tm [(THIRD-P)67.4(AR)39.1(T)-7.8(Y)0( REL)-9.3(A)63(TIONSHIPS CONFRON)14.2(TING)]TJ ET EMC /P <>BDC BT 14 0 0 14 551.2714 644.5337 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 258.9186 626.5337 Tm [(DIGI)14.2(T)38.6(AL BANKS CALL FOR A MORE HOLISTIC)]TJ ET EMC /P <>BDC BT 14 0 0 14 542.6171 626.5337 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 258.9186 608.5337 Tm [(AND PRA)5.4(GM)-8.8(A)63(TIC APPRO)10.3(A)5.4(CH. )]TJ ET EMC /P <>BDC BT /TT18 1 Tf 47 0 0 47 452.2596 588.5334 Tm 0 .89 .21 .07 k ()Tj ET EMC Q endstream endobj 199 0 obj <>/ExtGState<>>> endobj 217 0 obj <> endobj 230 0 obj <> endobj 235 0 obj <> endobj 236 0 obj <> endobj 242 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 /TT2 1 Tf 7 0 0 7 39.4019 23.0548 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 60.8428 23.0548 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7515 23.0548 Tm 1 .79 .26 .27 k [( V)6.3(OL 6)]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 23.0548 Tm 1 .79 .26 .27 k (4)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 414.6011 31.7313 Tm 0 0 0 1 k [( 2020 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.3(ed. )]TJ ET EMC /P <>BDC BT /TT6 1 Tf 7 0 0 7 522.0861 31.7313 Tm [(www)60.5(.isaca.or)9.3(g)]TJ ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 154.7783 539.8638 Tm 0 .89 .21 .07 k -.005 Tc (Manage change as the only constant)Tj ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 301.4545 539.8638 Tm 0 0 0 1 k 0 Tc ()Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 308.2781 539.8638 Tm -.005 Tc [(Mark)9.8(et)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 335.9882 539.8638 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 142 539.8638 Tm 0 .89 .21 .07 k (3.)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 154.75 527.8638 Tm 0 0 0 1 k -.005 Tc [(dynamics ar)9.3(e e)6.3(v)7.3(olving fast, e)6.3(v)6.3(en within digital)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 334.7495 527.8638 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 154.75 515.8638 Tm -.005 Tc [(banks. Digital banking pr)9.8(oducts and ser)-8.8(vices)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 331.0041 515.8638 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 154.75 503.8638 Tm -.005 Tc [(ha)7.3(v)6.3(e)0( t)9.8(o)0( constantly stand up in the mark)9.8(et. If)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 327.3206 503.8638 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 154.75 491.8638 Tm -.005 Tc [(pr)9.8(o)7.3(v)6.3(ed undesir)19.5(able, the)6.3(y ma)7.3(y piv)7.3(ot or e)6.3(v)6.3(e)0(n)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 321.9448 491.8638 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 154.75 479.8638 Tm -.005 Tc [(cease t)9.8(o)0( exist. )19.5(Thir)9.3(d-par)-24.4(ty r)9.3(elationships should)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 338.5806 479.8638 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 154.75 467.8638 Tm -.005 Tc [(e)6.3(v)7.3(olv)6.3(e t)9.8(o)0( r)9.3(e)]TJ /TT13 1 Tf 5.0025 0 TD 0 Tc ()Tj /TT2 1 Tf .5629 0 TD -.005 Tc (ect these constantly changing)Tj ET EMC /LBody <>BDC BT 9 0 0 9 323.1225 467.8638 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 154.75 455.8638 Tm -.005 Tc (business cases and conditions on an agile basis.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 347.3828 455.8638 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 437.8638 Tm -.005 Tc [(Accor)9.3(dingly)52.2(, )]TJ ET EMC /P <>BDC BT /TT16 1 Tf 9 0 0 9 192.0447 437.8638 Tm 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)9.3(e 1)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 222.8475 437.8638 Tm [( pr)9.8(oposes a fr)19.5(amework for)]TJ ET EMC /P <>BDC BT 9 0 0 9 327.2532 437.8638 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 425.8638 Tm -.005 Tc [(managing thir)9.3(d-par)-24.4(ty risk fr)9.8(om the perspectiv)6.3(e of)]TJ ET EMC /P <>BDC BT 9 0 0 9 334.7505 425.8638 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 413.8638 Tm -.005 Tc [(digital banks. )19.5(This fr)19.5(amework can be elabor)19.5(ated )]TJ ET EMC /P <>BDC BT 9 0 0 9 333.4244 413.8638 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 401.8638 Tm -.005 Tc [(on in four dimensions: business objectiv)6.3(es, )]TJ ET EMC /P <>BDC BT 9 0 0 9 313.7893 401.8638 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 389.8638 Tm -.005 Tc [(risk domains, oper)19.5(ating components and )]TJ ET EMC /P <>BDC BT 9 0 0 9 305.3526 389.8638 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 142 377.8638 Tm -.005 Tc [(lif)11.7(e cy)6.3(cle management.)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.59 377.8638 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT10 1 Tf 9 0 0 9 360.5 669.6379 Tm -.005 Tc [(Business Objectiv)6.3(es)]TJ ET EMC /P <>BDC BT 9 0 0 9 440.8694 669.6379 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 360.5 657.6379 Tm -.005 Tc [(Managing any thir)9.3(d-par)-24.4(ty r)9.3(elationship has t)9.8(o)0( star)-24.4(t)]TJ ET EMC /P <>BDC BT 9 0 0 9 554.6337 657.6379 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 360.5 645.6379 Tm -.005 Tc [(with the business objectiv)6.3(es for using it. Not all)]TJ ET EMC /P <>BDC BT 9 0 0 9 546.429 645.6379 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 360.5 633.6379 Tm -.005 Tc [(business objectiv)6.3(es ar)9.3(e equal; some will o)7.3(v)6.3(erride)]TJ ET EMC /P <>BDC BT 9 0 0 9 552.6133 633.6379 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 360.5 621.6379 Tm -.005 Tc [(and dictate the digital bank)54.7(s o)7.3(v)6.3(er)19.5(all str)19.5(ategy )]TJ ET EMC /P <>BDC BT 9 0 0 9 537.6158 621.6379 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 360.5 609.6379 Tm -.005 Tc [(acr)9.8(oss diff)11.7(er)9.3(ent domains of risk r)9.3(elated t)9.8(o)0( thir)9.3(d)]TJ ET EMC /P <>BDC BT 9 0 0 9 545.8457 609.6379 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 360.5 597.6379 Tm -.005 Tc [(par)-24.4(ties, for example:)]TJ ET EMC /P <>BDC BT 9 0 0 9 441.0169 597.6379 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 579.662 Tm -.005 Tc [(If cust)9.8(omer gr)9.8(owth is the t)9.8(op priority for a digital)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 561.675 579.662 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 360.5 579.662 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 371.516 567.662 Tm 0 0 0 1 k -.005 Tc [(bank, the bank ma)7.3(y off)11.7(er mor)9.3(e fa)7.3(v)7.3(o)0(r)19.5(able terms)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 555.7101 567.662 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 555.662 Tm -.005 Tc (and )Tj /TT13 1 Tf 1.8872 0 TD 0 Tc ()Tj /TT2 1 Tf .5629 0 TD -.005 Tc [(exibility t)9.8(o)0( thir)9.3(d-par)-24.4(ty platforms with lar)9.3(ger)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 560.4939 555.662 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 543.662 Tm -.005 Tc [(cust)9.8(omer bases other)-8.3(wise unr)9.3(eachable b)5.4(y)0( itself.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 562.3965 543.662 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 531.662 Tm -.005 Tc [(Such diff)11.7(er)9.3(entiation mandates the digital bank t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 563.4623 531.662 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 519.662 Tm -.005 Tc [(r)9.3(etr)9.8(o)]TJ /TT13 1 Tf 2.0595 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(t its cr)9.3(edit risk str)19.5(ategy)52.2(, including cr)9.3(edit)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 548.7353 519.662 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 507.662 Tm -.005 Tc [(scoring of incr)9.3(emental cust)9.8(omer gr)9.8(oups and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 546.7131 507.662 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 495.662 Tm -.005 Tc (individual risk policies.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 460.5716 495.662 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 477.686 Tm -.005 Tc [(If oper)19.5(ation e)]TJ /TT1 1 Tf 5.7894 0 TD 0 Tc <0001>Tj /TT2 1 Tf .8485 0 TD -.005 Tc [(ciency is the pr)9.3(ef)11.7(err)9.3(ed objectiv)6.3(e)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 556.1948 477.686 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 360.5 477.686 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 371.516 465.686 Tm 0 0 0 1 k -.005 Tc [(of a digital bank, it ma)7.3(y standar)9.3(diz)7.8(e its appr)9.8(oach,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 564.0227 465.686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 453.686 Tm -.005 Tc [(pr)9.8(ocesses and metrics acr)9.8(oss diff)11.7(er)9.3(ent thir)9.3(d)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 546.0037 453.686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 441.686 Tm -.005 Tc [(par)-24.4(ties and r)9.3(educe )]TJ /TT13 1 Tf 8.4172 0 TD 0 Tc ()Tj /TT2 1 Tf .5629 0 TD -.005 Tc (exibility speci)Tj /TT13 1 Tf 5.9021 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(c t)9.8(o)0( any)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 541.3058 441.686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 429.686 Tm -.005 Tc [(single thir)9.3(d-par)-24.4(ty r)9.3(elationship. In r)9.3(eturn, the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 540.0635 429.686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 417.686 Tm -.005 Tc (bigger Internet platforms would be less)Tj ET EMC /LBody <>BDC BT 9 0 0 9 525.9565 417.686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 405.686 Tm -.005 Tc [(incentiviz)7.8(ed t)9.8(o)0( par)-24.4(tner with this digital bank,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 544.4976 405.686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 393.686 Tm -.005 Tc [(r)9.3(esulting in r)9.3(e)6.3(v)6.3(enue/cust)9.8(omer tar)9.3(gets not)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 534.7699 393.686 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 371.516 381.686 Tm -.005 Tc [(achie)6.3(v)6.3(ed in full potential.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 469.6223 381.686 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q .98431 .77255 .24314 .27059 k /GS1 gs 142.125 343.614 422.75 15.5 re f q 1 i 141.64 359.114 423.735 -264.453 re W n 0 0 0 0 K 0 J 0 j 2 w 10 M [] 0 d q 1 0 0 1 141.625 343.614 cm 0 0 m 39.6 0 l S 1 0 0 1 39.6 0 cm 0 0 m 384.15 0 l S Q Q BT /F2 1 Tf 10 0 0 10 252.007 347.6143 Tm 0 0 0 0 k -.0141 Tc .0001 Tw [(Figur)10.3(e )-21(1Third-Party Risk Management for Digital Banks)]TJ ET .1335 .078 .0135 0 k 142.176 94.661 422.648 247.435 re f .89 .52 .09 0 k 191.297 278.47 365.13 31.702 re f 0 0 0 1 K 0 J 0 j .5 w 10 M [] 0 d 1 i 556.427 278.47 -365.13 31.702 re S 0 0 0 .1 k 192.848 160.028 54.981 111.956 re f 247.829 160.028 -54.981 111.956 re S 254.879 160.028 54.98 111.956 re f 309.859 160.028 -54.98 111.956 re S 316.908 160.028 54.98 111.956 re f 371.888 160.028 -54.98 111.956 re S 378.939 160.028 54.979 111.956 re f 433.918 160.028 -54.979 111.956 re S 440.968 160.028 54.98 111.956 re f 495.948 160.028 -54.98 111.956 re S 502.998 160.028 54.981 111.956 re f 557.979 160.028 -54.981 111.956 re S .98431 .77255 .24314 .27059 k q 1 0 0 1 189.08 314.162 cm 0 0 m 184.22 24.83 l 367.347 0 l 0 0 l f Q q 1 0 0 1 189.08 314.162 cm 0 0 m 184.22 24.83 l 367.347 0 l 0 0 l s Q .178 .104 .018 0 k 201.051 283.79 54.315 20.174 re f 255.366 283.79 -54.315 20.174 re S 274.597 283.79 54.315 20.174 re f 328.912 283.79 -54.315 20.174 re S 347.813 283.79 54.315 20.174 re f 402.128 283.79 -54.315 20.174 re S 420.859 283.79 54.314 20.174 re f 475.173 283.79 -54.314 20.174 re S 494.018 283.79 54.314 20.174 re f 548.332 283.79 -54.314 20.174 re S 0 .2225 .0525 .0175 k 209.919 254.748 155.407 11.75 re f 365.326 254.748 -155.407 11.75 re S 386.831 254.748 155.407 11.75 re f 542.238 254.748 -155.407 11.75 re S 209.919 235.239 155.407 11.75 re f 365.326 235.239 -155.407 11.75 re S 386.831 235.239 155.407 11.75 re f 542.238 235.239 -155.407 11.75 re S 209.919 214.621 155.407 11.75 re f 365.326 214.621 -155.407 11.75 re S 386.831 214.621 155.407 11.75 re f 542.238 214.621 -155.407 11.75 re 209.532 260.623 m 201.051 260.623 l 201.051 221.162 l 209.702 221.162 l 201.051 240.892 m 209.702 240.892 l 542.29 240.892 m 551.549 240.892 l 542.238 260.623 m 551.549 260.623 l 551.549 221.162 l 542.521 221.162 l 365.326 260.623 m 386.831 260.623 l 365.326 240.892 m 386.831 240.892 l 365.326 220.496 m 386.831 220.496 l S q 1 0 0 1 554.979 114.638 cm 0 0 m -360.682 0 l -362.332 0 -363.682 1.35 -363.682 3 c -363.682 38.457 l -363.682 40.106 -362.332 41.457 -360.682 41.457 c 0 41.457 l 1.649 41.457 3 40.106 3 38.457 c 3 3 l 3 1.35 1.649 0 0 0 c f Q q 1 0 0 1 554.979 114.638 cm 0 0 m -360.682 0 l -362.332 0 -363.682 1.35 -363.682 3 c -363.682 38.457 l -363.682 40.106 -362.332 41.457 -360.682 41.457 c 0 41.457 l 1.649 41.457 3 40.106 3 38.457 c 3 3 l 3 1.35 1.649 0 0 0 c s Q 0 .89 .21 .07 k q 1 0 0 1 202.825 138.58 cm 0 0 m 68.503 0 l 76.706 -7.981 l 68.282 -15.961 l 0 -15.961 l 7.981 -8.089 l 0 0 l f Q q 1 0 0 1 202.825 138.58 cm 0 0 m 68.503 0 l 76.706 -7.981 l 68.282 -15.961 l 0 -15.961 l 7.981 -8.089 l 0 0 l s Q q 1 0 0 1 379.957 138.58 cm 0 0 m 68.503 0 l 76.706 -7.981 l 68.281 -15.961 l 0 -15.961 l 7.981 -8.089 l 0 0 l f Q q 1 0 0 1 379.957 138.58 cm 0 0 m 68.503 0 l 76.706 -7.981 l 68.281 -15.961 l 0 -15.961 l 7.981 -8.089 l 0 0 l s Q .89 .52 .09 0 k q 1 0 0 1 291.391 138.58 cm 0 0 m 68.503 0 l 76.706 -7.981 l 68.282 -15.961 l 0 -15.961 l 7.981 -8.089 l 0 0 l f Q q 1 0 0 1 291.391 138.58 cm 0 0 m 68.503 0 l 76.706 -7.981 l 68.282 -15.961 l 0 -15.961 l 7.981 -8.089 l 0 0 l s Q q 1 0 0 1 468.523 139.08 cm 0 0 m 68.504 0 l 76.706 -7.981 l 68.282 -15.961 l 0 -15.961 l 7.981 -8.089 l 0 0 l f Q q 1 0 0 1 468.523 139.08 cm 0 0 m 68.504 0 l 76.706 -7.981 l 68.282 -15.961 l 0 -15.961 l 7.981 -8.089 l 0 0 l s Q BT 9 0 0 9 150.7627 295.4952 Tm 0 0 0 1 k .0002 Tc 0 Tw (Business)Tj -.2895 -1 TD -.0001 Tc [(Objectiv)7.3(es)]TJ 7.1059 1 TD .0001 Tc [(Cust)14.3(omer)]TJ .5149 -1 TD -.0003 Tc [(Gr)17.4(owth)]TJ 2.4156 -15.6959 TD 0 Tc [(Expectations, pr)19(ocesses and contr)18.8(o).2(ls ar)9.8(e embedded in each phase of the lif)14.3(e cy)6.5(cle.)]TJ 13.7546 16.6959 TD .0001 Tc -.0001 Tw [(Time t)15.3(o)]TJ .1103 -1 TD 0 Tc 0 Tw [(Mark)10.7(et)]TJ -8.0248 1 TD .0001 Tc (Client)Tj -1.0288 -1 TD .0002 Tc (Experience)Tj 17.6294 1 TD .0004 Tc (Risk)Tj -1.4891 -1 TD .0001 Tc (Intelligence)Tj 8.1164 1 TD [(Oper)15.9(ational)]TJ .3291 -1 TD 0 Tc [(E)8.9(fficiency)]TJ -33.2822 -10.6885 TD .0001 Tc (First-Line)Tj -.1736 -1 TD .0002 Tc (Ownership)Tj 15.025 2.1667 TD .0004 Tc (Risk)Tj -1.3152 -1 TD .0001 Tc [(Monit)15(oring)]TJ 1.4551 -1 TD .0002 Tc (and)Tj -.7916 -1 TD 0 Tc (Metrics)Tj /F3 1 Tf -7.2328 9.2947 TD .0001 Tc -.0002 Tw [(Str)18.6(a).2(tegic Risk)]TJ .3652 -2.196 TD -.0001 Tc 0 Tw [(Cr)8.6(edit Risk)]TJ .0938 -2.1461 TD (Cyberrisk)Tj 18.5789 4.3421 TD 0 Tc -.0001 Tw (Compliance Risk)Tj -.4079 -2.196 TD .0001 Tc -.0002 Tw (Reputation Risk)Tj -.3266 -2.2884 TD 0 Tc -.0001 Tw [(Oper)18.9(ational Risk)]TJ /F2 1 Tf -18.7824 -2.4768 TD -.0001 Tc 0 Tw [(Go)7.8(v)6(e)0(rnance)]TJ 1.6316 -1 TD .0002 Tc (and)Tj -1.9031 -1 TD 0 Tc (Prioritization)Tj 14.7744 1.9999 TD .0001 Tc [(P)6.6(o).6(licies)]TJ .875 -1 TD .0002 Tc (and)Tj -1.295 -1 TD -.0001 Tc [(Standar)10(d).3(s)]TJ 13.7082 1.5 TD .0001 Tc -.0001 Tw [(T)101.3(ools and)]TJ -.3936 -1 TD 0 Tw [(T)43.2(e).6(chnology)]TJ -6.9199 1 TD (Management)Tj .5167 -1 TD -.0003 Tc [(Pr)17.3(ocesses)]TJ -32.3943 6.9884 TD .0004 Tc (Risk)Tj -.8674 -1 TD .0002 Tc (Domains)Tj -.2229 -4.4607 TD .0001 Tc [(Oper)15.9(ating)]TJ -.5537 -1 TD 0 Tc (Components)Tj 8 0 0 8 215.291 131.9593 Tm 0 0 0 0 k .0002 Tc -.0002 Tw [(Sour)9.6(ce, E)13.3(v)7.5(aluate)]TJ .5112 -1 TD [(and Prioritiz)10.3(e )]TJ 11.03 1 TD .0003 Tc -.0003 Tw [(Contr)14.8(act and)]TJ .2511 -1 TD .0001 Tc 0 Tw [(Collabor)15.4(a)-.2(te)]TJ 21.9475 1 TD .0003 Tc -.0003 Tw [(T)32.6(r)14.9(ansition and)]TJ .8415 -1 TD -.0006 Tc 0 Tw [(T)43.2(e)-.4(rminate)]TJ -11.5855 1 TD 0 Tc (Manage and)Tj .8704 -1 TD -.0001 Tc [(Monit)13.8(or)]TJ 9 0 0 9 146.3819 130.4593 Tm 0 0 0 1 k .0001 Tc [(Thir)9.5(d-P)5.8(a)0(r)-24.1(t).4(y)]TJ .3279 -1 TD 0 Tc [(Lif)12.8(e).1( Cy)6.2(cle)]TJ ET EMC /Artifact <>BDC q 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 1 .79 .26 .27 k .12 554.382 346.701 122.006 re f EMC /P <>BDC BT /TT18 1 Tf 47 0 0 47 28.1216 636.8809 Tm 0 .89 .21 .07 k ()Tj ET EMC /P <>BDC BT /TT2 1 Tf 14 0 0 14 42.0288 656.8811 Tm 0 0 0 0 k [( )19.5(THIRD-P)67.4(AR)39.1(T)-7.8(Y)0( RISK SHOULD NEVER BE)]TJ ET EMC /P <>BDC BT 14 0 0 14 288.1636 656.8811 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 28.1216 638.8811 Tm [(M)-8.8(A)0(N)-8.8(A)5.4(GED IN A SIL)31.7(O)49.8(,)0( BUT)19.5( RA)63(THER, IN)14.2(TEGRA)63(TED)]TJ ET EMC /P <>BDC BT 14 0 0 14 332.2321 638.8811 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 28.1216 620.8811 Tm [(IN)14.2(T)13.7(O)0( O)13.2(THER DOM)-8.8(AINS OF RISK M)-8.8(A)0(N)-8.8(A)5.4(GEMEN)14.2(T)]TJ ET EMC /P <>BDC BT 14 0 0 14 326.606 620.8811 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 28.1216 602.8811 Tm [(BO)13.2(TH AS AN IMPOR)39.1(T)38.6(A)0(N)14.2(T)19.5( INGREDIEN)14.2(T)19.5( AND A)]TJ ET EMC /P <>BDC BT 14 0 0 14 315.4635 602.8811 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 28.1216 584.8811 Tm [(N)-8.8(A)63(TURAL EXTENSION. FOR EXAMPLE, )19.5(THE)]TJ ET EMC /P <>BDC BT 14 0 0 14 298.6469 584.8811 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 28.1216 566.8811 Tm [(DIGI)14.2(T)38.6(AL BANKS COMPLI)-8.8(ANCE RISK. )]TJ ET EMC /P <>BDC BT /TT18 1 Tf 47 0 0 47 260.9399 546.8809 Tm 0 .89 .21 .07 k ()Tj ET EMC Q endstream endobj 243 0 obj <>/ExtGState<>>> endobj 274 0 obj <> endobj 279 0 obj <> endobj 284 0 obj <> endobj 289 0 obj <> endobj 300 0 obj <> endobj 305 0 obj <> endobj 310 0 obj <> endobj 315 0 obj <> endobj 320 0 obj <> endobj 338 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 /TT2 1 Tf 7 0 0 7 490.9714 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 512.4123 23.0228 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 23.0228 Tm 1 .79 .26 .27 k [( V)6.3(OL 6)]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 23.0228 Tm 1 .79 .26 .27 k (5)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 36.9453 31.7313 Tm 0 0 0 1 k [( 2020 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.3(ed. )]TJ ET EMC /P <>BDC BT /TT6 1 Tf 7 0 0 7 144.4302 31.7313 Tm [(www)60.5(.isaca.or)9.3(g)]TJ ET EMC /P <>BDC BT /TT10 1 Tf 9 0 0 9 35 671.1438 Tm -.005 Tc (Risk Domains)Tj ET EMC /P <>BDC BT 9 0 0 9 89.6115 671.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 35 659.1438 Tm -.005 Tc [(Thir)9.3(d-par)-24.4(ty risk should ne)6.3(v)6.3(er be managed in a silo,)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.4549 659.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35 647.1438 Tm -.005 Tc [(but r)19.5(ather)60.1(, integr)19.5(ated int)9.8(o other domains of risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 219.9501 647.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35 635.1438 Tm -.005 Tc [(management both as an impor)-24.4(tant ingr)9.3(edient and a)]TJ ET EMC /P <>BDC BT 9 0 0 9 237.894 635.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35 623.1438 Tm -.005 Tc [(natur)19.5(al extension. F)10.2(or example, the digital bank)54.7(s)]TJ ET EMC /P <>BDC BT 9 0 0 9 226.4618 623.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35 611.1438 Tm -.005 Tc (compliance risk management function should)Tj ET EMC /P <>BDC BT 9 0 0 9 215.9057 611.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35 599.1438 Tm -.005 Tc [(watch for negativ)6.3(e news and inappr)9.8(opriate)]TJ ET EMC /P <>BDC BT 9 0 0 9 202.9297 599.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35 587.1438 Tm -.005 Tc [(pr)19.5(actices of its major thir)9.3(d par)-24.4(ties. )19.5(The cyberrisk)]TJ ET EMC /P <>BDC BT 9 0 0 9 225.617 587.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35 575.1438 Tm -.005 Tc [(team should go the extr)19.5(a mile looking for)]TJ ET EMC /P <>BDC BT 9 0 0 9 196.5137 575.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35 563.1438 Tm -.005 Tc [(vulner)19.5(abilities and incidents arising fr)9.8(om these)]TJ ET EMC /P <>BDC BT 9 0 0 9 218.6328 563.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35 551.1438 Tm -.005 Tc [(ecosystem par)-24.4(tners. )]TJ ET EMC /P <>BDC BT 9 0 0 9 120.4255 551.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT10 1 Tf 9 0 0 9 35 527.1438 Tm -.005 Tc [(Oper)14.6(ating Components)]TJ ET EMC /P <>BDC BT 9 0 0 9 127.2512 527.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 35 515.1438 Tm -.02 Tc [(The oper)19.5(ating model for thir)9.3(d-par)-24.4(ty risk management)]TJ ET EMC /P <>BDC BT 9 0 0 9 236.9564 515.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35 503.1438 Tm -.02 Tc [(consists of the following interr)9.3(elated components:)]TJ ET EMC /P <>BDC BT 9 0 0 9 226.5103 503.1438 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 46.016 485.1678 Tm 0 .89 .21 .07 k -.02 Tc (First-line ownership)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 123.1001 485.1678 Tm 0 0 0 1 k [(With thir)9.3(d-par)-24.4(ty r)9.3(elationships)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 239.5833 485.1678 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 35 485.1678 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 46.016 473.1678 Tm 0 0 0 1 k -.02 Tc [(now being integr)19.5(al t)9.8(o)0( digital banks, the)6.3(y should be)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 235.4085 473.1678 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 461.1678 Tm -.02 Tc [(par)-24.4(t of the )]TJ /TT13 1 Tf 4.6218 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(rst-line manager)-7.8()54.7(s)0( r)9.3(esponsibility)52.2(. )19.5(These)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 240.0056 461.1678 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 449.1678 Tm -.02 Tc (managers should be accountable for the quality)Tj ET EMC /LBody <>BDC BT 9 0 0 9 227.7433 449.1678 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 437.1678 Tm -.02 Tc [(and compliance metrics of thir)9.3(d-par)-24.4(ty)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 189.14 437.1678 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 425.1678 Tm -.02 Tc [(r)9.3(elationships in da)7.3(y-t)9.8(o-da)7.3(y business.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 184.1919 425.1678 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 46.016 407.1918 Tm 0 .89 .21 .07 k -.005 Tc [(Go)7.3(v)6.3(ernance and prioritization)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.2691 407.1918 Tm 0 0 0 1 k (Digital bank)Tj ET EMC /LBody <>BDC BT 9 0 0 9 217.7502 407.1918 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 35 407.1918 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 46.016 395.1918 Tm 0 0 0 1 k -.005 Tc [(leadership should not r)9.3(est once a thir)9.3(d-par)-24.4(ty risk)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 236.1462 395.1918 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 383.1918 Tm -.005 Tc [(management fr)19.5(amework is established. Since)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 226.3767 383.1918 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 371.1918 Tm -.005 Tc [(the industr)-8.8(y dynamics pr)9.8(ogr)9.3(ess r)19.5(apidly)52.2(, it is)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 215.7565 371.1918 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 359.1918 Tm -.005 Tc [(imper)19.5(ativ)6.3(e t)9.8(o)0( ha)7.3(v)6.3(e)0( an ongoing mechanism that is)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 239.9858 359.1918 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 347.1918 Tm -.005 Tc [(eff)11.7(ectiv)6.3(ely carried out t)9.8(o)0( o)7.3(v)6.3(ersee how existing)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 226.4463 347.1918 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 335.1918 Tm -.005 Tc [(risk management pr)19.5(actices per)-7.3(form in r)9.3(esponse.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 237.8774 335.1918 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 323.1917 Tm -.005 Tc [(The go)7.3(v)6.3(ernance mechanism should also be able)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 236.4557 323.1917 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 311.1917 Tm -.005 Tc [(t)9.8(o)0( rigor)9.8(ously prioritiz)7.8(e new oppor)-24.4(tunities and risk)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 238.6237 311.1917 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 299.1917 Tm -.005 Tc [(ar)9.3(eas when the)6.3(y emer)9.3(ge.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 144.7198 299.1917 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 46.016 281.2158 Tm 0 .89 .21 .07 k -.005 Tc [(Risk monit)14.6(oring and metrics)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 158.8659 281.2158 Tm 0 0 0 1 k [(Lik)9.8(e other risk)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 221.1725 281.2158 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 35 281.2158 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 46.016 269.2158 Tm 0 0 0 1 k -.005 Tc [(management pr)9.8(ocesses, thir)9.3(d-par)-24.4(ty risk)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 202.5318 269.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 257.2158 Tm -.005 Tc [(management r)9.3(equir)9.3(es dedicated risk monit)9.8(oring)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 235.6153 257.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 245.2158 Tm -.005 Tc [(effor)-24.4(ts and metrics, which suppor)-24.4(t digital bank)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 229.7422 245.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 233.2158 Tm -.005 Tc [(management teams in r)9.3(e)6.3(viewing pr)9.3(e)6.3(vious)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 210.4727 233.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 221.2158 Tm -.005 Tc [(decisions and formulating new ones accor)9.3(dingly)52.2(.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 238.685 221.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 209.2158 Tm -.005 Tc [(This can include positiv)6.3(e per)-7.3(formance metrics)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 228.5446 209.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 197.2158 Tm -.005 Tc [(\(e.g., how a thir)9.3(d par)-24.4(ty liv)6.3(es up t)9.8(o)0( its ser)-8.8(vice-le)6.3(v)6.3(e)0(l)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 238.3394 197.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 185.2158 Tm -.005 Tc [(commitments\) and negativ)6.3(e quality metrics )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 219.8683 185.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 173.2158 Tm -.005 Tc [(\(e.g., cust)9.8(omer complaints r)9.3(elated t)9.8(o)0( individual)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 230.6333 173.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 161.2158 Tm -.005 Tc [(thir)9.3(d par)-24.4(ties\).)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 98.9281 161.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 46.016 143.2398 Tm 0 .89 .21 .07 k -.005 Tc [(P)6.3(olicy)81.5(, pr)17.6(ocess and technology)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 169.5987 143.2398 Tm 0 0 0 1 k (As foundational)Tj ET EMC /LBody <>BDC BT 9 0 0 9 239.1035 143.2398 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 35 143.2398 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 46.016 131.2398 Tm 0 0 0 1 k -.005 Tc [(elements, policies and standar)9.3(ds de)]TJ /TT13 1 Tf 15.7503 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ne)Tj ET EMC /LBody <>BDC BT 9 0 0 9 202.3515 131.2398 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 119.2398 Tm -.005 Tc [(management expectations for thir)9.3(d-par)-24.4(ty risk)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 224.173 119.2398 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 46.016 107.2398 Tm -.005 Tc [(management. )19.5(These ar)9.3(e facilitated b)5.4(y)0( a set of)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 226.5977 107.2398 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 671.1438 Tm -.005 Tc [(pr)9.8(ocesses and technology t)9.8(ools t)9.8(o)0( na)7.3(vigate risk)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 452.4653 671.1438 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 659.1438 Tm -.005 Tc [(thr)9.8(ough the lif)11.7(e cy)6.3(cle.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 348.8848 659.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT10 1 Tf 9 0 0 9 253.5 635.1438 Tm -.005 Tc [(Thir)9.3(d-P)5.4(ar)-24.4(ty Lif)11.7(e Cy)6.3(cle)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.3157 635.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 253.5 623.1438 Tm -.005 Tc [(Ther)9.3(e is a lif)11.7(e cy)6.3(cle for any thir)9.3(d-par)-24.4(ty r)9.3(elationship)]TJ ET EMC /P <>BDC BT 9 0 0 9 449.4666 623.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 611.1438 Tm -.005 Tc [(r)9.3(egar)9.3(dless of its dur)19.5(ation. Expectations, pr)9.8(ocesses)]TJ ET EMC /P <>BDC BT 9 0 0 9 452.5853 611.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 599.1438 Tm -.005 Tc [(and contr)9.8(ols that should be put in place seamlessly)]TJ ET EMC /P <>BDC BT 9 0 0 9 455.7098 599.1438 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 587.1438 Tm -.005 Tc [(within these lif)11.7(e cy)6.3(cles include:)]TJ ET EMC /P <>BDC BT 9 0 0 9 375.3965 587.1438 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 264.516 569.1678 Tm 0 .89 .21 .07 k -.005 Tc [(Sour)9.3(ce, e)6.3(v)7.3(aluate and prioritiz)7.8(e)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 385.9575 569.1678 Tm 0 0 0 1 k [(When sour)9.3(cing)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 451.8654 569.1678 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 253.5 569.1678 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 264.516 557.1678 Tm 0 0 0 1 k -.005 Tc (speci)Tj /TT13 1 Tf 2.3476 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(c categories of par)-24.4(tnerships, business)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 440.9064 557.1678 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 545.1678 Tm -.005 Tc [(objectiv)6.3(es should be prioritiz)7.8(ed t)9.8(o)0( la)7.3(y out)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 425.6541 545.1678 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 533.1678 Tm -.005 Tc [(management expectations for selecting thir)9.3(d)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 441.6062 533.1678 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 521.1677 Tm -.005 Tc [(par)-24.4(ties. No thir)9.3(d par)-24.4(ty is per)-7.3(f)11.7(ect, but the ones)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 442.449 521.1677 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 509.1678 Tm -.005 Tc (selected should be de)Tj /TT13 1 Tf 9.5786 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ned along with risk-)Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 497.1678 Tm [(mitigating contr)9.8(ols t)9.8(o)0( be implemented in later)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 444.0244 497.1678 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 485.1678 Tm -.005 Tc [(stages of the r)9.3(elationship.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 367.0739 485.1678 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 264.516 467.1918 Tm 0 .89 .21 .07 k -.005 Tc [(Contr)14.6(act and collabor)14.6(ate)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 363.0428 467.1918 Tm 0 0 0 1 k [(Besides gener)19.5(al)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 432.7588 467.1918 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 253.5 467.1918 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 264.516 455.1918 Tm 0 0 0 1 k -.005 Tc (business terms, digital banks should also)Tj ET EMC /LBody <>BDC BT 9 0 0 9 427.1414 455.1918 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 443.1918 Tm -.005 Tc [(consider internal policies and standar)9.3(ds fr)9.8(om)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 443.0895 443.1918 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 431.1918 Tm -.005 Tc [(diff)11.7(er)9.3(ent risk domains for integr)19.5(ation int)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 426.0759 431.1918 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 419.1918 Tm -.005 Tc [(contr)19.5(acting obligations with thir)9.3(d par)-24.4(ties. )19.5(This)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 445.2704 419.1918 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 407.1918 Tm -.005 Tc [(would help ensur)9.3(e collabor)19.5(ation with thir)9.3(d par)-24.4(ties)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 458.7595 407.1918 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 395.1918 Tm -.005 Tc [(t)9.8(o)0( cr)9.3(eate a closed-loop management cy)6.3(cle of all)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 453.5375 395.1918 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 383.1918 Tm -.005 Tc (risk domains.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 317.7423 383.1918 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 264.516 365.2158 Tm 0 .89 .21 .07 k -.005 Tc [(Manage and monit)14.6(or)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 347.2903 365.2158 Tm 0 0 0 1 k [(Thr)9.8(oughout the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 414.955 365.2158 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 253.5 365.2158 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 264.516 353.2158 Tm 0 0 0 1 k -.005 Tc [(r)9.3(elationship, thir)9.3(d par)-24.4(ties should be monit)9.8(or)9.3(ed t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 455.8417 353.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 341.2158 Tm -.005 Tc [(ensur)9.3(e that the)6.3(y adher)9.3(e t)9.8(o)0( str)19.5(ategic goals and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 444.9561 341.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 329.2158 Tm -.005 Tc [(contr)19.5(acting commitments and t)9.8(o)0( justify any)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 436.3777 329.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 317.2158 Tm -.005 Tc [(management actions r)9.3(equir)9.3(ed b)5.4(y)0( digital banks.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 449.1759 317.2158 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 264.516 299.2398 Tm 0 .89 .21 .07 k -.005 Tc [(T)31.7(r)14.6(ansition and terminate)]TJ ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 362.8627 299.2398 Tm 0 0 0 1 k [(Thir)9.3(d-par)-24.4(ty)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 412.7898 299.2398 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT15 1 Tf 12 0 0 12 253.5 299.2398 Tm 0 .89 .21 .07 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 264.516 287.2398 Tm 0 0 0 1 k -.005 Tc [(r)9.3(elationships might under)9.3(go changes and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 428.0357 287.2398 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 275.2398 Tm -.005 Tc [(e)6.3(v)6.3(entually termination when the planned)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 423.7773 275.2398 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 263.2398 Tm -.005 Tc [(business case change is inv)7.3(alidated or the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 431.3372 263.2398 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 251.2398 Tm -.005 Tc [(expected outcomes ar)9.3(e not r)9.3(ealiz)7.8(ed. As such,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 443.429 251.2398 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 239.2398 Tm -.005 Tc [(tr)19.5(ansition arr)19.5(angements for pullout of either)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 436.6779 239.2398 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 227.2398 Tm -.005 Tc [(par)-24.4(ty should be de)]TJ /TT13 1 Tf 8.0995 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ned in the beginning and)Tj ET EMC /LBody <>BDC BT 9 0 0 9 438.9255 227.2398 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 215.2398 Tm -.005 Tc [(ex)9.8(er)9.3(cised r)9.3(egularly)52.2(. )19.5(These arr)19.5(angements should)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 452.7872 215.2398 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 203.2398 Tm -.005 Tc [(co)7.3(v)6.3(er ar)9.3(eas such as data, client r)9.3(elationships and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 458.4915 203.2398 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 264.516 191.2398 Tm -.005 Tc [(intellectual pr)9.8(oper)-24.4(ty)52.2(.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 344.7593 191.2398 Tm 0 Tc ( )Tj ET EMC /Artifact <>BDC 1 .79 .26 .27 k /GS1 gs 252.783 97.168 205.501 83.609 re f EMC /P <>BDC BT /TT18 1 Tf 47 0 0 47 259.3668 140.3146 Tm 0 .89 .21 .07 k ()Tj ET EMC /P <>BDC BT /TT2 1 Tf 14 0 0 14 273.274 160.3148 Tm 0 0 0 0 k [( SOUND )19.5(THIRD-P)67.4(AR)39.1(T)-7.8(Y)0( RISK)]TJ ET EMC /P <>BDC BT 14 0 0 14 444.8492 160.3148 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 259.3668 142.3148 Tm [(M)-8.8(A)0(N)-8.8(A)5.4(GEMEN)14.2(T)19.5( IS )19.5(THE NEW)]TJ ET EMC /P <>BDC BT 14 0 0 14 434.4283 142.3148 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 259.3668 124.3148 Tm [(CORE COMPE)-9.8(TENCY FOR ALL)]TJ ET EMC /P <>BDC BT 14 0 0 14 446.9586 124.3148 Tm ( )Tj ET EMC /P <>BDC BT 14 0 0 14 259.3668 106.3148 Tm (BANKS. )Tj ET EMC /P <>BDC BT /TT18 1 Tf 47 0 0 47 311.4293 86.3145 Tm 0 .89 .21 .07 k ()Tj ET EMC /Artifact <>BDC 1 .79 .26 .27 k 471.413 434.766 131.587 241.658 re f EMC /Figure <>BDC Q q 1 i 408.969 435.962 272.018 -172.676 re W n 471.413 434.768 156.308 -124.983 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 /GS1 gs q 134.445 0 0 127.617 470.005 308.345 cm /Im4 Do Q EMC /P <>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 /GS1 gs BT /TT4 1 Tf 13 0 0 13 477.1688 666.6737 Tm 0 0 0 0 k 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 13 0 0 13 477.1688 653.6737 Tm -.025 Tc [(Enjo)7.3(ying)]TJ ET EMC /P <>BDC BT 13 0 0 13 524.4683 653.6737 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 13 0 0 13 477.1688 640.6737 Tm -.025 Tc [(this ar)-24.4(ticle?)]TJ ET EMC /P <>BDC BT 13 0 0 13 541.5693 640.6737 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT20 1 Tf 13 0 0 13 477.1688 627.6737 Tm ( )Tj ET EMC /P <>BDC BT /TT15 1 Tf 10 0 0 10 477.1688 615.6737 Tm ()Tj ET EMC /P <>BDC BT /TT10 1 Tf 10 0 0 10 483.6592 615.6737 Tm -.025 Tc ( )Tj ET EMC /P <>BDC BT 10 0 0 10 488.1397 615.6737 Tm 0 Tc (Read )Tj ET EMC /P <>BDC BT /TT12 1 Tf 10 0 0 10 513.2911 615.6737 Tm (Bridging)Tj ET EMC /P <>BDC BT 10 0 0 10 550.0245 615.6737 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 488.0438 603.6737 Tm (the Digital Risk)Tj ET EMC /P <>BDC BT 10 0 0 10 553.8152 603.6737 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 488.0438 591.6737 Tm (Gap.)Tj ET EMC /P <>BDC BT /TT10 1 Tf 10 0 0 10 508.2586 591.6737 Tm ( )Tj ET EMC /P <>BDC BT /TT12 1 Tf 10 0 0 10 488.0438 579.6737 Tm [(www)60.5(.isaca.or)9.3(g/)]TJ ET EMC /P <>BDC BT 10 0 0 10 556.3934 579.6737 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 488.0438 567.6737 Tm (digital-risk-gap)Tj ET EMC /P <>BDC BT 10 0 0 10 554.2254 567.6737 Tm ( )Tj ET EMC /P <>BDC BT /TT15 1 Tf 10 0 0 10 477.1688 555.6737 Tm ()Tj ET EMC /P <>BDC BT /TT10 1 Tf 10 0 0 10 483.6592 555.6737 Tm -.025 Tc ( )Tj ET EMC /P <>BDC BT 10 0 0 10 488.1397 555.6737 Tm 0 Tc [(Learn mor)9.3(e)]TJ ET EMC /P <>BDC BT 10 0 0 10 539.0773 555.6737 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 488.0438 543.6737 Tm (about, discuss)Tj ET EMC /P <>BDC BT 10 0 0 10 552.8192 543.6737 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 488.0438 531.6737 Tm [(and collabor)14.6(ate)]TJ ET EMC /P <>BDC BT 10 0 0 10 557.3895 531.6737 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 488.0438 519.6737 Tm (on risk)Tj ET EMC /P <>BDC BT 10 0 0 10 518.2391 519.6737 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 488.0438 507.6737 Tm (management in)Tj ET EMC /P <>BDC BT 10 0 0 10 557.7216 507.6737 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 488.0438 495.6737 Tm [(ISA)10.3(CA)58.6()113.3(s)0( Online)]TJ ET EMC /P <>BDC BT 10 0 0 10 553.2391 495.6737 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 488.0438 483.6737 Tm [(F)10.3(orums. )]TJ ET EMC /P <>BDC BT 10 0 0 10 527.3455 483.6737 Tm ( )Tj ET EMC /P <>BDC BT /TT12 1 Tf 10 0 0 10 488.0438 471.6737 Tm [(https:/)121.1(/engage.)]TJ ET EMC /P <>BDC BT 10 0 0 10 554.8798 471.6737 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 488.0438 459.6737 Tm [(isaca.or)9.3(g/)]TJ ET EMC /P <>BDC BT 10 0 0 10 532.4725 459.6737 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 488.0438 447.6737 Tm (onlineforums)Tj ET EMC Q endstream endobj 339 0 obj <>/XObject<>/ExtGState<>>> endobj 366 0 obj <> endobj 371 0 obj <> endobj 376 0 obj <> endobj 381 0 obj <> endobj 382 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 /TT2 1 Tf 7 0 0 7 39.4019 23.0548 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 60.8428 23.0548 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7515 23.0548 Tm 1 .79 .26 .27 k [( V)6.3(OL 6)]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 23.0548 Tm 1 .79 .26 .27 k (6)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 414.6416 30.8599 Tm 0 0 0 1 k [( 2020 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.3(ed. )]TJ ET EMC /P <>BDC BT /TT6 1 Tf 7 0 0 7 522.1265 30.8599 Tm [(www)60.5(.isaca.or)9.3(g)]TJ ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 144 663.983 Tm .89 .522 .09 0 k -.005 Tc (Conclusion)Tj ET EMC /P <>BDC BT 11 0 0 11 198.7885 663.983 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 144 645.983 Tm 0 0 0 1 k -.005 Tc [(The end state for digital banking is y)6.3(et t)9.8(o)0( be seen.)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.5642 645.983 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 633.983 Tm -.005 Tc [(Whate)6.3(v)6.3(er happens, banking ser)-8.8(vices will alwa)7.3(ys be)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.4321 633.983 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 621.983 Tm -.005 Tc [(needed e)6.3(v)6.3(en though bank br)19.5(anches ma)7.3(y be gone.)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.1453 621.983 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 609.983 Tm -.005 Tc [(Mor)9.3(e and mor)9.3(e banking ser)-8.8(vices ar)9.3(e embedded int)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 348.942 609.983 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 597.983 Tm -.005 Tc [(people)39.1()54.7(s)0( e)6.3(v)6.3(e)0(r)-8.8(y)6.3(da)7.3(y liv)6.3(es. )19.5(That is wher)9.3(e thir)9.3(d-par)-24.4(ty)]TJ ET EMC /P <>BDC BT 9 0 0 9 333.4228 597.983 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 585.983 Tm -.005 Tc [(r)9.3(elationships come in and why the)6.3(y will r)9.3(emain vital)]TJ ET EMC /P <>BDC BT 9 0 0 9 345.9627 585.983 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 573.983 Tm -.005 Tc [(t)9.8(o)0( the continued pr)9.8(osperity of digital banking in the)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.0764 573.983 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 561.983 Tm -.005 Tc [(for)9.3(eseeable futur)9.3(e. Sound thir)9.3(d-par)-24.4(ty risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 305.0864 561.983 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 549.983 Tm -.005 Tc [(management is the new cor)9.3(e competency for all)]TJ ET EMC /P <>BDC BT 9 0 0 9 333.9157 549.983 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 537.983 Tm -.005 Tc [(banks, whether it is a digital bank looking t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 315.8575 537.983 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 525.983 Tm -.005 Tc [(continue its success or a tr)19.5(aditional bank looking t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.9153 525.983 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 513.983 Tm -.005 Tc [(r)9.3(e)6.3(viv)6.3(e itself in the new age.)]TJ ET EMC /P <>BDC BT 9 0 0 9 250.3572 513.983 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 144 487.983 Tm .89 .522 .09 0 k -.005 Tc (Endnotes)Tj ET EMC /P <>BDC BT 11 0 0 11 189.8053 487.983 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161.3636 469.983 Tm 0 0 0 1 k -.005 Tc [(Son, H.; )58.6(Amaz)7.8(on Unv)6.3(eils Small Business Cr)9.3(edit)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 347.9165 469.983 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 149 469.983 Tm 0 .89 .21 .07 k (1)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161 457.983 Tm 0 0 0 1 k -.005 Tc [(Line With Goldman in Latest )19.5(Tie-Up Between)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 335.8456 457.983 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 665.483 Tm -.005 Tc [(T)48.3(ech and W)16.1(all Str)9.3(eet,)83( CNBC, 10 June 2020,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 549.8194 665.483 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 379.5 653.483 Tm -.005 Tc [(https:/)109.4(/www)60.5(.cnbc.com/2020/06/10/amaz)7.8(on-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 379.5 641.483 Tm [(and-goldman-sachs-unv)6.3(eils-small-business-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 548.726 641.483 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 629.483 Tm -.005 Tc [(cr)9.3(edit-lines-up-t)9.8(o-1-million.html)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 499.6431 629.483 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 379.8636 617.483 Tm -.005 Tc [(F)16.6(acebook, )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 422.4846 617.483 Tm [(F)16.6(acebook Q1 2020 Results)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 526.1531 617.483 Tm (, USA,)Tj ET EMC /LBody <>BDC BT 9 0 0 9 548.6907 617.483 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 367.5 617.483 Tm 0 .89 .21 .07 k (2)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.5 605.483 Tm 0 0 0 1 k -.005 Tc (2020, )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 403.4395 605.483 Tm [(https:/)109.4(/s21.q4cdn.com/399680738/)]TJ /TT21 1 Tf 15.536 0 TD 0 Tc ()Tj /TT6 1 Tf .537 0 TD -.005 Tc (les/)Tj ET EMC /LBody <>BDC BT 9 0 0 9 562.9315 605.483 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 593.483 Tm -.005 Tc (doc_)Tj /TT21 1 Tf 2.045 0 TD 0 Tc ()Tj /TT6 1 Tf .537 0 TD -.005 Tc (nancials/2020/q1/Q1-2020-FB-Earnings-)Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 581.483 Tm [(Pr)9.3(esentation.pdf)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 443.9424 581.483 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 379.8636 569.483 Tm -.025 Tc [(Liu, J.; The Dr)19.5(amatic Rise and F)16.6(all of Online P2P)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 562.3052 569.483 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 367.5 569.483 Tm 0 .89 .21 .07 k (3)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.5 557.483 Tm 0 0 0 1 k -.025 Tc [(Lending in China,)83( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 448.004 557.483 Tm [(T)48.3(echCrunch)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 492.6089 557.483 Tm [(, 1 A)5.4(ugust 2018,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 552.8712 557.483 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 379.5 545.483 Tm -.025 Tc [(https:/)109.4(/techcrunch.com/2018/08/01/the-dr)19.5(amatic-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 379.5 533.483 Tm (rise-and-fall-of-online-p2p-lending-in-china/)Tj ET EMC /LBody <>BDC BT 9 0 0 9 537.4199 533.483 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 379.8636 521.483 Tm -.005 Tc [(Leonhar)9.3(dt, M.; E)9.3(quifax t)9.8(o)0( P)5.4(a)7.3(y $700 Million for)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 561.6475 521.483 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 367.5 521.483 Tm 0 .89 .21 .07 k (4)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.5 509.483 Tm 0 0 0 1 k -.005 Tc [(Massiv)6.3(e Data Br)9.3(each. 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