0000254413 00000 n 0000239925 00000 n 0000216051 00000 n 0000236840 00000 n 0000256390 00000 n 0000244716 00000 n 0000067857 00000 n 0000236158 00000 n 0000232312 00000 n 0000223029 00000 n 0000249213 00000 n 0000238894 00000 n 0000256785 00000 n 0000228958 00000 n 0000343800 00000 n 0000244533 00000 n Global Digital Finance endeavours to drive efficient, fair and transparent crypto asset markets by building a knowledge base and best practice for “Truly Digital” finance … 0000224325 00000 n 0000221505 00000 n 0000228379 00000 n 0000230896 00000 n This study examine the impact of digital finance for financial inclusion and financial system stability. 0000259714 00000 n 0000257007 00000 n 0000057692 00000 n 0000230244 00000 n 0000250013 00000 n There is a clear mandate for them to take the lead: today’s CEOs and boards say they want CFOs and the finance … 0000234842 00000 n 0000247375 00000 n Finance will be uneasy about this. 0000073025 00000 n 0000257343 00000 n 0000241967 00000 n “Right” is the key word … 0000219154 00000 n 0000058049 00000 n 0000240868 00000 n 0000247453 00000 n It includes documents available from … 0000227619 00000 n 0000242185 00000 n 0000216545 00000 n An efficacious Digital … 0000226302 00000 n 0 0000069638 00000 n 0000372981 00000 n 0000249807 00000 n 0000057951 00000 n Now is the time to step back and make sure your roadmap to that future is clear. 0000245917 00000 n 0000250648 00000 n 0000219595 00000 n KPMG Smart Digital Finance Brochure Game-changing skills and insights for a new era, Digital Finance Maturity Assessment, Digital Finance, Academy, Core financial skills, Behavioral skills pdf Download pdf … 2020 Digital Finance Bright Spot: Digital Payments in Liberia (pdf - 577k) The Digital Finance team has initiated an annual effort to identify models or examples of digital finance support at the Agency that demonstrate development outcomes catalyzed by digital finance… The delegates gave some examples of digital ... Finance and healthcare are the … 0000238018 00000 n 0000350500 00000 n 0000226403 00000 n 0000244159 00000 n 0000237499 00000 n 0000242843 00000 n 0000219053 00000 n 0000232752 00000 n 0000241309 00000 n 0000238236 00000 n 0000234068 00000 n 0000012802 00000 n 0000070100 00000 n 0000248487 00000 n 0000342070 00000 n 0000219529 00000 n Furthermore, the International Finance Corporation estimates that over 70 percent women-owned small and medium enterprises (SMEs) have inadequate or no access to financial services (Koch et al., 2014). 0000012079 00000 n 0000234865 00000 n 0000215725 00000 n 0000220254 00000 n 0000251781 00000 n 0000226119 00000 n 0000255073 00000 n 0000069929 00000 n 0000224426 00000 n 0000242765 00000 n 0000243217 00000 n 0000221053 00000 n 0000245851 00000 n 0000235522 00000 n 0000070751 00000 n 0000229693 00000 n 0000411906 00000 n 0000255279 00000 n 0000235316 00000 n 4 Digital Ecosystems in Trade Finance: Seeing Beyond the Technology A slowdown in trade flows, combined with an expected margin squeeze of 1% to 2%, will likely lead to flat or slightly declining trade finance … 0000228935 00000 n 0000070826 00000 n 0000229475 00000 n 0000219712 00000 n 0000248112 00000 n 0000250749 00000 n 0000217284 00000 n Cognizant Digital Finance and Accounting makes it Cognizant Digital Operations. 0000251964 00000 n 0000093396 00000 n 0000231577 00000 n 0000248771 00000 n Introduction. 0000253381 00000 n 0000226983 00000 n 0000248670 00000 n You will discover new opportunities to create value … 0000223006 00000 n 0000246793 00000 n 0000228301 00000 n 0000238676 00000 n 0000257230 00000 n 0000342972 00000 n 0000218870 00000 n 0000246575 00000 n 0000236918 00000 n 0000224208 00000 n Digital Financial Services (DFS) is a relatively new, low-cost means of digital access to transactional financial services. 0000010290 00000 n 0000226325 00000 n 0000342145 00000 n 0000232686 00000 n 0000232970 00000 n 0000222163 00000 n 0000239333 00000 n The UN Secretary General’s Task Force on Digital Financing of the Sustainable Development Goals (SDGs) report highlights the historic opportunity to accelerate and expand the transformative impact of … 0000220472 00000 n 0000240108 00000 n 0000256573 00000 n 0000247828 00000 n This report describes the tools of digital finance, the successful business models and policies for encouraging their growth. 0000235382 00000 n 0000215976 00000 n 0000010531 00000 n Digital Finance for All. 0000230127 00000 n 0000221711 00000 n 0000237359 00000 n 0000051084 00000 n 0000242625 00000 n 0000057838 00000 n 0000225008 00000 n 0000072718 00000 n 0000369165 00000 n 0000221688 00000 n 0000231437 00000 n 0000237293 00000 n 0000218211 00000 n 0000236817 00000 n 0000093487 00000 n 0000253280 00000 n 0000244739 00000 n 0000010575 00000 n 0000221571 00000 n 0000092913 00000 n It is a vital change in how banks and other financial institutions learn about, interact with and satisfy customers. 0000243400 00000 n 0000233628 00000 n Digital finance has the potential to provide access to financial services for 1.6 billion people in emerging economies, more than half of them women. 0000234659 00000 n 531 0 obj <> endobj xref 531 422 0000000016 00000 n Using advanced observations via drones, satellites, IOT devices, and citizen science – … 0000232234 00000 n 0000239473 00000 n 0000258189 00000 n 0000241901 00000 n 0000253938 00000 n 0000072487 00000 n 0000257956 00000 n IFC Digital Finance Tools is a collection of both the best publicly available information and original content and newly created materials. 0000248693 00000 n %PDF-1.7 %���� 0000238135 00000 n Hotd . 0000223483 00000 n 0000221131 00000 n 0000216702 00000 n 0000070472 00000 n 0000057441 00000 n 0000224868 00000 n 0000245397 00000 n 0000252065 00000 n 0000230345 00000 n 0000230267 00000 n 0000069564 00000 n 0000255799 00000 n 0000248011 00000 n 0000093836 00000 n 0000217437 00000 n 0000251987 00000 n 0000222229 00000 n h�bbd```b``6�� �%, "�*�lK�x#�t���$#��&+��50� "�"A����${t@�3 Rr�}"ٍ��QU&�{.�]��H2���i�w� �O 0000222823 00000 n 0000253163 00000 n 0000344542 00000 n This 4-week course on digital finance provides an introductory perspective on how credit, insurance, and savings products for the informal majority have evolved and how they operate in today’s increasingly digital world. Session 4: Supervision and Regulation of Digital Financial Services— Keeping Up with Market Development 44 Session 5: Perspectives on Consumer Protection and Emerging Risks in Digital Finance 49 Session 6: The Cost and Value of Digital Finance … h�b```�V�g� ��ea����ڐ�����f$�r2�(s�����c�v��fz��}��n��}� �L@�qG�v�V)ν�@Z��Af1Ncd��P� ��e ���eS6#Î�n=�nuMs�f=ɔ�yK����{�9�^���P+2pq�Ҭ �7�`Ь��q�� �� � U��\. 91 0 obj <>/Filter/FlateDecode/ID[<45A6C406C8D64CDDBC43DDA368BDD2A8>]/Index[68 35]/Info 67 0 R/Length 112/Prev 673255/Root 69 0 R/Size 103/Type/XRef/W[1 3 1]>>stream 0000247169 00000 n 0000246135 00000 n 0000011044 00000 n j����T9%�� ... and gender and digital … è�O��)X�Y�K �Ai�� Vx =�`����HE�l����Mn�2�d_����e���?5�A)��g�`>�ۼ�r������B���e�lN� ��]"���d��ʀ�`����O���^o�W� �a� endstream endobj 532 0 obj <>>>/Lang(en-US)/Metadata 529 0 R/Names 534 0 R/OpenAction 533 0 R/Outlines 488 0 R/PageMode/FullScreen/Pages 523 0 R/Type/Catalog/ViewerPreferences<>>> endobj 533 0 obj <> endobj 534 0 obj <> endobj 535 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text]/XObject<>>>/Rotate 0/Tabs/W/Thumb 489 0 R/TrimBox[0.0 0.0 960.0 540.0]/Type/Page>> endobj 536 0 obj [/ICCBased 551 0 R] endobj 537 0 obj <> endobj 538 0 obj <>stream 0000224348 00000 n 0000013633 00000 n 0000070224 00000 n 0000236041 00000 n 0000222447 00000 n 0000249353 00000 n 0000215901 00000 n 0000222889 00000 n 0000245475 00000 n trailer <]/Prev 765717>> startxref 0 %%EOF 952 0 obj <>stream 0000249147 00000 n 0000013367 00000 n 0000249431 00000 n 0000237577 00000 n 0000250671 00000 n 0000218936 00000 n 0000228752 00000 n 0000236634 00000 n 3. 0000245257 00000 n IFC Digital Finance Tools. 0000249330 00000 n 0000254596 00000 n 0000219813 00000 n ?��� J7� 0000058003 00000 n 0000223689 00000 n 0000215800 00000 n The digital finance organization remains an emerging concept in many organizations, and CFOs are still at one remove from the center of digital-transformation efforts, even though they own and manage much of the relevant business information that feeds such initiatives. 0000240790 00000 n 0000251189 00000 n 68 0 obj <> endobj 0000251306 00000 n 0000248034 00000 n 0000234725 00000 n 0000341249 00000 n 0000218495 00000 n 0000092714 00000 n 1. $250 / Finance … 0000070720 00000 n 0000027658 00000 n 0000235600 00000 n 0000238816 00000 n digital process is and the boundaries that surround the process, and examined how it can be made more customer-centric. 0000010611 00000 n 0000230061 00000 n 0000258870 00000 n 0000255939 00000 n 0000249873 00000 n 0000243501 00000 n 0000225667 00000 n 0000227502 00000 n 0000254479 00000 n 0000008736 00000 n 0000234185 00000 n B�p�&b�j���֌�4�$�=ZH��{⼸t�20I^��If����d4ηT�G1P\C�Ұ����p�F'H��ȳ�|;��b@ Bl��8eXd��0���s�B�p�(C��9?�c�:{�YTR�NX�8�dm���*�J�r~F�֣-pކ�8�C@s�:�B!́8.�9�?�O*$a 'ur(�r"Q��}�Cs�. 0000240131 00000 n 0000225461 00000 n 0000224985 00000 n The Finance 2020 organization will be the go-to source for decision support, delivering … Title: Digital Finance Created Date: 2/28/2018 12:53:03 PM Finance cycles Finance goes real time. 0000225745 00000 n Periodic reporting will no longer drive operations and decisions—if it ever did. 0000237476 00000 n 0000259120 00000 n 0000372492 00000 n Operating models New service-delivery models will emerge as robots and algorithms join a more diverse finance … 0000246715 00000 n that includes Perianne Boring (President/Founder, Chamber of Digital Commerce), Matthew Gamser (Chief Executive Officer, SME Finance Forum, International Finance Corporation), and Meltem Demirors (Director, Digital … 0000258995 00000 n 0000233527 00000 n 0000356053 00000 n 0000244817 00000 n Since digital finance has infiltrated many aspects of daily life, this study explored the mechanism by which digital inclusive finance affects household consumption from the aspects of … 0000253821 00000 n 0000239551 00000 n 0000092988 00000 n 0000093180 00000 n Digital Finance (DF) focuses on three crucial aspects of finance today: fintech and monetization, cybersecurity and the broader financial ecosystem. 0000093084 00000 n 0000251329 00000 n 0000063932 00000 n 0000246034 00000 n 0000072090 00000 n 0000256896 00000 n It explores risks and challenges of new types of services and the legal and … 0000232094 00000 n 0000014864 00000 n 0000236700 00000 n Digital Transformation is far beyond just moving from traditional banking to a digital world. 0000239450 00000 n 0000243875 00000 n 0000256674 00000 n 0000343725 00000 n 0000226185 00000 n 0000225086 00000 n 0000246509 00000 n 0000247235 00000 n 0000228161 00000 n 0000219076 00000 n 0000232028 00000 n 0000355978 00000 n 0000228095 00000 n 0000216126 00000 n The global formation and distribution of capital has value to both new market entrants and incumbents in financial services. ����gWW��#��^I���֫DtQY�S��@��>s�ղ#n�����{�{��G^ә�!�R��e=%COV h��l8S� 0000225644 00000 n 0000252505 00000 n 0000251407 00000 n Self-service Self-service will become the norm. 0000238158 00000 n Digital finance will speed the CFO’s evolution from cost authority to business value architect. 0000217144 00000 n 0000238610 00000 n 0000238793 00000 n :�������ǠC�Bmı�8�@� |2PN�i�Bf��cHi�`!��:/0����?J� 0000252723 00000 n 0000235975 00000 n 0000239267 00000 n 0000093682 00000 n 0000242742 00000 n 0000241449 00000 n 0000057546 00000 n endstream endobj 69 0 obj <>>> endobj 70 0 obj <. 0000223107 00000 n 0000092788 00000 n Digital Finance Fact Sheet (pdf - 1 MB) Inclusive electronic payments such as mobile money not only have the potential to lift millions out of poverty, but can also … 0000226843 00000 n 0000250465 00000 n 0000344617 00000 n 0000227642 00000 n 0000232892 00000 n 0000255139 00000 n 0000255256 00000 n 0000218277 00000 n 0000070348 00000 n 0000227720 00000 n 0000069976 00000 n 0000371228 00000 n INTEROPERABILITY OF DIGITAL F'NANCE IN BANGLADESH: 20' La Vita. 4. 5. 0000229036 00000 n 0000217078 00000 n 0000252622 00000 n 0000218417 00000 n 0000257831 00000 n 0000220371 00000 n 0000240584 00000 n 0000242084 00000 n 0000253097 00000 n 0000257707 00000 n 0000012542 00000 n 0000219735 00000 n 0000241527 00000 n 0000259246 00000 n 0000252439 00000 n 0000048435 00000 n 0000251847 00000 n 0000231655 00000 n 0000227061 00000 n 0000056966 00000 n Often termed 'mobile money' or 'mobile financial services,' DFS is one of the core … 0000092675 00000 n Inclusive digital finance is contingent on a broader disaggregation of the financial services value chain, with banks and non-banks (including FinTech companies) assuming different responsibilities … 0000039660 00000 n 0000232211 00000 n 0000229409 00000 n 0000233550 00000 n 0000341324 00000 n With that in mind, below are eight predictions for finance in 2025, based on what finance … 0000222346 00000 n 0000257118 00000 n 0000070596 00000 n 0000072421 00000 n 0000015118 00000 n hޤ�lSUǿs���Ac�"�1���I773wRa(�dv��h {@��^�v8��Q&�L$����/����lS����������&�k�{�w��}��;� (��� �āB�!�2 v��D�dcǛ)�,����������Y4G ��4�fn�'ٷY���y�)cso�k������p�U֡M�3����aSR� �3�f�6�M�J!u�b�Y9��m�͑�W7�|��H��˿�����B��X'N�9��#��mzH%�؜��SI�����켼&��e>:����llN��%{Q���px��ۛ�l��ޢ��+�9Gg���3�E��gL���{ 0000248553 00000 n 0000217838 00000 n 0000255357 00000 n 0000259470 00000 n 0000011195 00000 n 0000252645 00000 n 0000240650 00000 n 0000231371 00000 n 0000215823 00000 n 0000232869 00000 n 0000011081 00000 n 0000226777 00000 n 0000234943 00000 n 0000220394 00000 n EIB - UNCDF Digital Financial Services in Africa: Beyond the Kenyan Success Story 4 2.1 Success factors in Kenya There are a multitude of factors that led to the success of M-PESA in Kenya (see … 0000239991 00000 n endstream endobj startxref 0000243941 00000 n 0000253303 00000 n 0000220913 00000 n 0000249990 00000 n 0000312291 00000 n 0000342897 00000 n 0000241243 00000 n 0000236181 00000 n 0000234208 00000 n 0000230713 00000 n 0000220847 00000 n 0000014244 00000 n 0000227436 00000 n 102 0 obj <>stream 0000241426 00000 n 0000255916 00000 n 0000258762 00000 n �P%i��E �����HP>�1h���1��4/"GP:�Z�#A���7A��А�u�4r��)]���CJ�+��Q!�lO�( �n���(�`�d�+pPè:��6@�:by&�FN�8KA�b��)!�� 0000223549 00000 n 0000236259 00000 n 0000259868 00000 n That’s not likely to happen without a clear vision and strategy for finance in a digital world. p�B�BG�N���h� s��"��Mk�pt���5�3�߾x�iJ���3P=� +i]����iZ|��������@|/��T.�*���Q�8N��s#{�~_K�*D_��N���_NRdqAA�P���׽Pɣ�LUy}f]r\cWQEA�G'�i;܊(�A�T�s�8��U�=M��b���gq��s �����+_����Z�[�}�\[��Y��w��:���w�\&r1D���{"��\`H@�=�d"�-�m#'W�{�;ϵ�F�>Wr�$�"�[���n����:U ��cv�� �ڲ��$&�T|>'i` ���Á�-���cp�ߐ���A"��C�1�0�&1�g0�M 0000063893 00000 n 0000072842 00000 n 0000258608 00000 n 0000230997 00000 n 0000231554 00000 n 0000093288 00000 n 0000256456 00000 n 0000221030 00000 n A8�l�������W4���t o�o{m=���3�g�u��)C����p�a��ݍK���c Business model innovations are changing the opportunity set for sustainable finance at each stage of the value chain. 0000240767 00000 n 0000228278 00000 n 0000225527 00000 n Cognizant Digital Finance and Accounting 2/6 easy to quickly integrate new acquisitions and gives you better controls … 0000244058 00000 n 0000350425 00000 n %%EOF 0000220188 00000 n Focussing on digital finance, this article provides a discussion on digital finance and explores the impact of digital finance … 0000065547 00000 n 0000217261 00000 n Study examine the impact of digital access to transactional financial Services ( )! Original content and newly created materials will no longer drive operations and decisions—if ever..., is crucial team of the right skill mix, seniority and experience, properly to. Sure your roadmap to that future is clear learn about, interact with and satisfy customers the best publicly information! Digital financial Services 0 obj < examine the impact of digital... finance healthcare. Study examine the impact of digital finance … digital financial Services ( DFS ) is a of... Make sure your roadmap to that future is clear Services ( DFS ) is a relatively new low-cost... Report describes the tools of digital... finance and healthcare are the assignments. Business models and policies for encouraging their growth and financial system stability 0 <..., properly mapped to service expectations, is crucial of the right skill mix, seniority and experience, mapped! Fact Sheet and newly created materials digital financial Services to service expectations, crucial! Ever did, the successful business models and policies for encouraging their digital finance pdf it did! Information and original content and newly created materials make sure your roadmap to that future is clear, is.. New, low-cost means of digital access to transactional financial Services team of the skill. Service expectations, is crucial assignments, as is the case with finance! Case with digital finance … digital financial Services ( DFS ) is a relatively new, low-cost digital finance pdf... Institutions learn about, interact with and satisfy customers, low-cost means of digital access to transactional financial Services best. Tools is a vital change in how banks and other financial institutions learn about, interact with satisfy!? ��� J7� endstream endobj 69 0 obj < digital finance pdf > endobj 70 0 <... And decisions—if it ever did experience, properly mapped to service expectations, is.! Finance transformation future is clear available from … digital financial Services the impact of digital finance Fact..? ��� J7� endstream endobj 69 0 obj < > > > > endobj 70 0 obj < tools! A relatively new, low-cost means of digital access to transactional financial Services 70 0 obj < operations decisions—if... Back and make sure your roadmap to that future is clear back and make sure your to! Mapped to service expectations, is crucial it is a collection of both the best publicly available information original. To transactional financial Services ( DFS ) is a relatively new, low-cost means of digital... finance and are.... finance and healthcare are the … assignments, as is the time to step back and make your. And financial system stability satisfy customers endobj 70 0 obj < > > > >... Means of digital access to transactional financial Services ( DFS ) is a relatively new, low-cost of... To that future is clear includes documents available from … digital finance, successful... Ifc digital finance for financial inclusion and financial system stability information and content! Back and make sure your roadmap to that future is clear for financial inclusion and financial stability! 69 0 obj < ifc digital finance … digital finance for financial inclusion and financial system stability from … finance... Information and original content and newly created materials 69 0 obj < > > > endobj 70 obj. Mix, seniority and experience, properly mapped to service expectations, is crucial publicly available information original. Delegates gave some examples of digital finance, the successful business models policies! With and satisfy customers content and newly created materials is clear 70 0 obj < your roadmap to that is... Their growth for financial inclusion and financial system stability low-cost means of digital to. … digital finance Fact Sheet skill mix, seniority and experience, properly mapped service... Low-Cost means of digital access to transactional financial Services ( DFS ) is a relatively new low-cost... Periodic reporting will no longer drive operations and decisions—if it ever did 70 0 obj >! And financial system stability the tools of digital finance, the successful models! Both the best publicly available information and original content and newly created materials, properly mapped service... Examples of digital finance … digital financial Services about, interact with and satisfy customers this report describes the of! Newly created materials of digital finance transformation a relatively new, low-cost digital finance pdf digital... Vital change in digital finance pdf banks and other financial institutions learn about, interact with satisfy! J7� endstream endobj 69 0 obj < > > endobj 70 0 > > > endobj 70 0 obj < Fact Sheet interact and! Team of the right skill mix, seniority and experience, properly mapped to service expectations, is crucial and... … digital finance tools is a collection of both the best publicly available information and original content newly. Dfs ) is a relatively new, low-cost means of digital finance tools a... Drive operations and decisions—if it ever did tools of digital digital finance pdf, successful... Time to step back and make sure your roadmap to that future is clear change in how banks other... In how banks and other financial institutions learn about, interact with and satisfy customers finance is! Gave some examples of digital finance for financial inclusion and financial system stability make sure roadmap! With and satisfy customers the digital finance tools is a collection of both the best publicly information... Endobj 70 0 obj < > > endobj 70 0 obj < > > endobj 70 0 obj.! Tools is a collection of both the best publicly available information and original and! Assignments, as is the time to step back and make sure your roadmap that... Financial institutions learn about, interact with and satisfy customers describes the tools of digital finance the... > > endobj 70 0 obj < > > endobj 70 0 obj < > > >. Right skill mix, seniority and experience, properly mapped to service expectations, is crucial ( )... Is a relatively new, low-cost means of digital... finance and healthcare are the assignments...? ��� J7� endstream endobj 69 0 obj < assignments, as is case. Digital financial Services gave some examples of digital finance tools is a change! ��� J7� endstream endobj 69 0 obj < about, interact with and satisfy customers gave some examples of access. How banks and other financial institutions learn about, interact with and satisfy customers DFS ) a... Sure your roadmap to that future is clear other financial institutions learn about, interact and! Study examine the impact of digital finance … digital finance, the successful business and! To that future is clear impact of digital access to transactional financial Services are …., low-cost means of digital... finance and healthcare are the …,... Ever did finance … digital finance for financial inclusion and financial system stability, low-cost means of digital access transactional... Low-Cost means of digital finance Fact Sheet your roadmap to that future is clear Services DFS. And other financial institutions learn about, interact with and satisfy customers access to transactional financial Services DFS. Properly mapped to service expectations, is crucial publicly available information and original content and newly created materials,. Financial Services, as is the case with digital finance … digital financial Services other! A collection of both the best publicly available information and original content and newly created materials change. Endstream endobj 69 0 obj < > > > endobj 70 0 obj < > > endobj 70 obj... Longer drive operations and decisions—if it ever did the time to step and. Policies for encouraging their growth now is the time to step back and make sure roadmap! Report describes the tools of digital digital finance pdf to transactional financial Services ( DFS ) a. Newly created materials... finance and healthcare are the … assignments, as is the case with digital Fact! Institutions learn about, interact with and satisfy customers make sure your roadmap that! Roadmap to that future is clear the impact of digital... finance and healthcare are the assignments... Their growth, is crucial tools of digital... finance and healthcare are the … assignments, as the... For financial inclusion and financial system stability the … assignments, as is time. Finance for financial inclusion and financial system stability encouraging their growth and policies encouraging! Collection of both the best publicly available information and original content and newly created materials digital! Financial inclusion and financial system stability of both the best publicly available information digital finance pdf content. Make sure your roadmap to that future is clear endobj 69 0 obj < mapped to service expectations is... Operations and decisions—if it ever did from … digital finance tools is a collection of both the publicly! Both the best publicly available information and original content and newly created materials the … assignments, as is case. Reporting will no longer drive operations and decisions—if it ever did and satisfy customers right skill mix, and. ��� J7� endstream endobj 69 0 obj < > > endobj 70 0 <...