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Investor Presentaiton

Lack of enabling legislation was identified as the key EmFi risk Embedded Finance Risks/ Concerns Legislation 70% Lack of awareness 61% Cyber Security risk 39% Fraud 35% Data privacy 26% Default risk 22% Systematic risk 13% Third party risk 13% Sensitivity: Public The top three EmFi concerns identified from the survey were lack of enabling legislation (70%), lack of awareness (61%) and cyber security risk 40%. Some of the legislation is considered to have been written before EmFi and as such in some instances it is restrictive or not clear. There is an imbalance between fintech innovations and legislation developments.

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