{"id":8017,"date":"2024-07-19T11:23:37","date_gmt":"2024-07-19T09:23:37","guid":{"rendered":"https:\/\/www.uni.lu\/research-en\/?page_id=8017"},"modified":"2025-10-09T14:47:28","modified_gmt":"2025-10-09T12:47:28","slug":"research","status":"publish","type":"page","link":"https:\/\/www.uni.lu\/research-en\/ncer\/fintech\/research\/","title":{"rendered":"Research"},"content":{"rendered":"<div class=\"section py-0 static\">\n<section class=\"py-0 wp-block-unilux-blocks-free-section section\"><div class=\"container xl:max-w-screen-xl\"><!-- SecondaryNavigationMirror --><div class=\"js-secondary-nav--sticky wp-block-unilux-blocks-secondary-navigation\" id=\"5f085d2f-2dcd-4760-8c57-7b49c9b4546b\">\n    <nav id=\"secondary-navigation\" role=\"navigation\" aria-label=\"Secondary menu\" class=\"secondary-nav\">\n        <button class=\"secondary-nav__button btn btn-solid--primary w-full\" aria-expanded=\"false\" aria-controls=\"secondary-navigation__list\" title=\"The selected page is Overview\" type=\"button\">\n            <span class=\"btn__name mr-auto\">Overview<\/span>\n            <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--xs\">\n                <use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-down\" \/>\n            <\/svg>\n        <\/button>\n\n        <ul id=\"secondary-navigation__list\" class=\"secondary-nav__list\">\n            <li class=\"secondary-nav__item\">\n    <a href=\"https:\/\/www.uni.lu\/research-en\/ncer\/fintech\/\" target=\"\" rel=\"noreferrer noopener\" class=\"secondary-nav__link \">\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--xs\">\n            <use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\" \/>\n        <\/svg>\n        <span class=\"secondary-nav__name\">Overview<\/span>\n    <\/a>\n<\/li>\n<li class=\"secondary-nav__item\">\n    <a href=\"https:\/\/www.uni.lu\/research-en\/ncer\/fintech\/about\/\" target=\"\" rel=\"noreferrer noopener\" class=\"secondary-nav__link \">\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--xs\">\n            <use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\" \/>\n        <\/svg>\n        <span class=\"secondary-nav__name\">About<\/span>\n    <\/a>\n<\/li>\n<li class=\"secondary-nav__item\">\n    <a href=\"https:\/\/www.uni.lu\/research-en\/ncer\/fintech\/research\" target=\"\" rel=\"noreferrer noopener\" class=\"secondary-nav__link \">\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--xs\">\n            <use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\" \/>\n        <\/svg>\n        <span class=\"secondary-nav__name\">Research<\/span>\n    <\/a>\n<\/li>\n<li class=\"secondary-nav__item\">\n    <a href=\"https:\/\/www.uni.lu\/research-en\/ncer\/fintech\/publications\/\" target=\"\" rel=\"noreferrer noopener\" class=\"secondary-nav__link \">\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--xs\">\n            <use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\" \/>\n        <\/svg>\n        <span class=\"secondary-nav__name\">Publications<\/span>\n    <\/a>\n<\/li>\n<li class=\"secondary-nav__item\">\n    <a href=\"https:\/\/www.uni.lu\/research-en\/ncer\/fintech\/team\/\" target=\"\" rel=\"noreferrer noopener\" class=\"secondary-nav__link \">\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--xs\">\n            <use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\" \/>\n        <\/svg>\n        <span class=\"secondary-nav__name\">Our team<\/span>\n    <\/a>\n<\/li>\n<li class=\"secondary-nav__item\">\n    <a href=\"https:\/\/www.uni.lu\/research-en\/ncer\/fintech\/contact\/\" target=\"\" rel=\"noreferrer noopener\" class=\"secondary-nav__link \">\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--xs\">\n            <use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\" \/>\n        <\/svg>\n        <span class=\"secondary-nav__name\">Contact<\/span>\n    <\/a>\n<\/li>\n        <\/ul>\n    <\/nav>\n<\/div>\n<!-- end SecondaryNavigationMirror --><\/div><\/section>\n\n\n<section class=\"section section pb-0 wp-block-unilux-blocks-page-intro\">\n    \n<div class=\"wp-block-unilux-blocks-wrapper container xl:max-w-screen-xl\">\n<div class=\"wp-block-unilux-blocks-wrapper flex flex-wrap -mx-16\">\n<div class=\"wp-block-unilux-blocks-wrapper flex-1 mb-48 px-16\">\n<h1 class=\"has-text-align-left wp-block-unilux-blocks-heading\"        id=\"research\"\n    >\nResearch<\/h1>\n\n\n\n<p>The projects within the FutureFinTech framework are designed to develop high-quality research, novel ideas, and innovative products and services for the financial industry of tomorrow. By stimulating research with cutting-edge approaches, the relationship between Luxembourg\u2019s research ecosystem and the financial sector will deepen and expand. The centre is dedicated to fostering the growth of digital finance in Luxembourg by leveraging advanced technologies.<br><br>To achieve this, the initiative will strive to balance demand-driven research initiatives, real-world testing of research outcomes, and fundamental research endeavours that contribute significantly to long-term innovation.<\/p>\n\n\n\n<ul class=\"wp-block-unilux-blocks-custom-buttons btn-list\"><li class=\"wp-block-unilux-blocks-custom-button\"    aria-disabled=\"false\"\n    >\n    <a\n        role=\"link\"\n        aria-disabled=\"false\"\n                    href=\"https:\/\/www.uni.lu\/research-en\/research-projects-overview\/?fq_research-projects-taxonomies-organisation%5B%5D=national-centre-of-excellence-in-research-ncer-in-financial-technologies%7CNational+Centre+of+Excellence+in+Research+%28NCER%29+in+Financial+Technologies%7COrganisation\"\n                target=\"_self\"\n        class=\"btn btn--primary\"\n            >Our projects<\/a>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-unilux-blocks-wrapper w-full md:w-auto px-16\">\n<div class=\"wp-block-unilux-blocks-wrapper flex flex-col items-center\">\n<h2 class=\"text-h4 has-text-align-left wp-block-unilux-blocks-heading\"        id=\"automating-financialprocesses-withsoftware-engineering\"\n    >\nAutomating financial<br>processes with<br>software engineering<\/h2>\n\n\n<a class=\"wp-block-unilux-blocks-button-highlight-square\"\n    href=\"https:\/\/www.uni.lu\/snt-en\/news\/automating-financial-regulatory-processes-with-software-engineering\/\"\n    target=\"_self\"\n>\n    <span class=\"btn-highlight-square__container\">\n        <div class=\"btn-highlight-square__body\">\n    <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-long-right icon--xl\"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-long-right\"><\/use><\/svg>    <span class=\"btn btn--dark\">\n        \n<span class=\"btn__name wp-block-unilux-blocks-plain-text\">Read the article<\/span>    <\/span>\n<\/div><figure class=\"wp-block-dev4-reusable-blocks-image image-bg object-fit--cover\">\n    \n<img decoding=\"async\" class=\"wp-block-image unilux-custom-image-block\"\n                alt=\"\"\n            src=\"https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/08\/Domenico-Bianculli.png\"\n                srcset=\"https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/08\/Domenico-Bianculli-300x200.png 300w, https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/08\/Domenico-Bianculli-1024x683.png 1024w, https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/08\/Domenico-Bianculli-768x512.png 768w, https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/08\/Domenico-Bianculli-1536x1024.png 1536w, https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/08\/Domenico-Bianculli-2048x1365.png 2048w\"\n                style=\"object-position: 24.00% 83.00%; font-family: &quot;object-fit: cover; object-position: 24.00% 83.00%;&quot;; aspect-ratio: 3\/4; object-fit: cover; width: 100%;\"\n        loading=\"lazy\"\n\/>    <\/figure>    <\/span>\n<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n<section class=\"wp-block-unilux-blocks-free-section section\"><div class=\"container xl:max-w-screen-xl\"><div class=\"content-card content-card--right content-card__overlay--hidden wp-block-unilux-blocks-content-card\">\n    \n<h2 class=\"content-card__heading has-text-align-left wp-block-unilux-blocks-heading\"        id=\"assessing-financial-inclusion-in-digital-financial-services-fininclusion\"\n    >\n<strong>Assessing Financial Inclusion <\/strong>\u200b<br><strong>in Digital Financial Services<\/strong> (FinInclusion)<\/h2>\n<div class=\"content-card__visual wp-block-unilux-blocks-content-card-visual-area\">\n    \n<section class=\"wp-block-unilux-blocks-image-video-wrapper\">\n    <figure class=\"wp-block-dev4-reusable-blocks-image  object-fit--cover\">\n    \n<img decoding=\"async\" class=\"wp-block-image unilux-custom-image-block\"\n                alt=\"\"\n            src=\"https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/10\/FinancialInclusion-hero-Scaled-scaled.jpeg\"\n                srcset=\"https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/10\/FinancialInclusion-hero-Scaled-300x226.jpeg 300w, https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/10\/FinancialInclusion-hero-Scaled-1024x771.jpeg 1024w, https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/10\/FinancialInclusion-hero-Scaled-768x578.jpeg 768w, https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/10\/FinancialInclusion-hero-Scaled-1536x1157.jpeg 1536w, https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/8\/2024\/10\/FinancialInclusion-hero-Scaled-2048x1542.jpeg 2048w\"\n                style=\"object-position: 50.00% 50.00%; font-family: &quot;object-fit: cover; object-position: 50.00% 50.00%;&quot;; aspect-ratio: 3\/2; object-fit: cover; width: 100%;\"\n        loading=\"lazy\"\n\/>    <\/figure><\/section>\n<div class=\"wp-block-unilux-blocks-wrapper content-card__overlay\">\n<a class=\"wp-block-unilux-blocks-button-highlight-rounded bottom-left\" \n    href=\"#\"\n    target=\"_self\"\n>\n    \n<span class=\"btn-highlight-rounded__name wp-block-unilux-blocks-plain-text\">Read more [project info needed]<\/span>    <span class=\"icon-rounded\">\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right icon--lg\"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>    <\/span>\n<\/a><\/div>\n<\/div><div class=\"content-card__body  wp-block-unilux-blocks-content-card-free-area\">\n    \n<p><strong><strong>Financial&nbsp;Inclusion<\/strong> <\/strong>refers to the requirement that financial institutions should provide and offer financial products and services to all individuals and institutions under equal terms and conditions.\u200b\u200b Over the last few years, it has been discovered that algorithms designed to help streamline the process of providing financial services have been inadvertantly perpetuating financial biases, resulting in unequal treatment of clients.  As part of the FinInclusion project, the team of researchers are working to detect bias in FinTech applications and mitigate fairness issues in large language models.<\/p>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"py-0 wp-block-unilux-blocks-free-section section\"><div class=\"container xl:max-w-screen-xl\">\n<h2 class=\"has-text-align-left wp-block-unilux-blocks-heading\"        id=\"projects-list\"\n    >\nProjects list<\/h2>\n\n\n<ul class=\"flex flex-wrap mt-24 -mx-16  wp-block-unilux-blocks-free-content-card\">\n    <li class=\"w-full sm:w-1\/2 lg:w-1\/3 px-16  wp-block-unilux-blocks-free-content-card-item\">\n    <div class=\"ulux-card card-project-related bg-theme\">\n        <div class=\"ulux-card__container card__container\">\n                        <div class=\"ulux-card__body wp-block-unilux-blocks-free-content-card-item-body\">\n    \n<span class=\"ulux-card__related wp-block-unilux-blocks-plain-text\">Cryptoreg<\/span>\n<h3 class=\"ulux-card__title has-text-align-left wp-block-unilux-blocks-heading\"        id=\"regulating-cryptoassets\"\n    >\nRegulating Cryptoassets<\/h3>\n<div class=\"ulux-card__link-wrapper card__link wp-block-unilux-blocks-simple-cta\">\n    <a\n        href=\"https:\/\/www.uni.lu\/snt-en\/research-projects\/cryptoreg\/\"\n        title=\"Learn more\"\n        class=\"link-text link-text--icon ulux-card__link link-text link-absolute\"\n        target=\"\"\n    >\n        <span class=\"link-text__body\">\n            <span class=\"link-text__name\">Learn more<\/span>\n        <\/span>\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>    <\/a>\n<\/div>\n<\/div>        <\/div>\n    <\/div>\n<\/li><li class=\"w-full sm:w-1\/2 lg:w-1\/3 px-16  wp-block-unilux-blocks-free-content-card-item\">\n    <div class=\"ulux-card card-project-related bg-theme\">\n        <div class=\"ulux-card__container card__container\">\n                        <div class=\"ulux-card__body wp-block-unilux-blocks-free-content-card-item-body\">\n    \n<span class=\"ulux-card__related wp-block-unilux-blocks-plain-text\">FINER<\/span>\n<h3 class=\"ulux-card__title has-text-align-left wp-block-unilux-blocks-heading\"        id=\"fintech-for-renewable-energy-markets\"\n    >\nFinTech for Renewable Energy Markets<\/h3>\n<div class=\"ulux-card__link-wrapper card__link wp-block-unilux-blocks-simple-cta\">\n    <a\n        href=\"https:\/\/www.uni.lu\/snt-en\/research-projects\/finer\/\"\n        title=\"Learn more\"\n        class=\"link-text link-text--icon ulux-card__link link-text link-absolute\"\n        target=\"\"\n    >\n        <span class=\"link-text__body\">\n            <span class=\"link-text__name\">Learn more<\/span>\n        <\/span>\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>    <\/a>\n<\/div>\n<\/div>        <\/div>\n    <\/div>\n<\/li><li class=\"w-full sm:w-1\/2 lg:w-1\/3 px-16  wp-block-unilux-blocks-free-content-card-item\">\n    <div class=\"ulux-card card-project-related bg-theme\">\n        <div class=\"ulux-card__container card__container\">\n                        <div class=\"ulux-card__body wp-block-unilux-blocks-free-content-card-item-body\">\n    \n<span class=\"ulux-card__related wp-block-unilux-blocks-plain-text\">FINSAT<\/span>\n<h3 class=\"ulux-card__title has-text-align-left wp-block-unilux-blocks-heading\"        id=\"automated-investment-advice-using-artificial-intelligence-on-satellite-data\"\n    >\nAutomated Investment Advice using Artificial Intelligence on Satellite Data<\/h3>\n<div class=\"ulux-card__link-wrapper card__link wp-block-unilux-blocks-simple-cta\">\n    <a\n        href=\"https:\/\/www.uni.lu\/snt-en\/research-projects\/finsat\/\"\n        title=\"Learn more\"\n        class=\"link-text link-text--icon ulux-card__link link-text link-absolute\"\n        target=\"\"\n    >\n        <span class=\"link-text__body\">\n            <span class=\"link-text__name\">Learn more<\/span>\n        <\/span>\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>    <\/a>\n<\/div>\n<\/div>        <\/div>\n    <\/div>\n<\/li><li class=\"w-full sm:w-1\/2 lg:w-1\/3 px-16  wp-block-unilux-blocks-free-content-card-item\">\n    <div class=\"ulux-card card-project-related bg-theme\">\n        <div class=\"ulux-card__container card__container\">\n                        <div class=\"ulux-card__body wp-block-unilux-blocks-free-content-card-item-body\">\n    \n<span class=\"ulux-card__related wp-block-unilux-blocks-plain-text\">IDOML<\/span>\n<h3 class=\"ulux-card__title has-text-align-left wp-block-unilux-blocks-heading\"        id=\"a-platform-for-the-integration-development-and-operations-of-machine-learning-systems\"\n    >\nA Platform for the Integration, Development and Operations of Machine Learning Systems<\/h3>\n<div class=\"ulux-card__link-wrapper card__link wp-block-unilux-blocks-simple-cta\">\n    <a\n        href=\"https:\/\/www.uni.lu\/snt-en\/research-projects\/idoml\/\"\n        title=\"Learn more\"\n        class=\"link-text link-text--icon ulux-card__link link-text link-absolute\"\n        target=\"\"\n    >\n        <span class=\"link-text__body\">\n            <span class=\"link-text__name\">Learn more<\/span>\n        <\/span>\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>    <\/a>\n<\/div>\n<\/div>        <\/div>\n    <\/div>\n<\/li><li class=\"w-full sm:w-1\/2 lg:w-1\/3 px-16  wp-block-unilux-blocks-free-content-card-item\">\n    <div class=\"ulux-card card-project-related bg-theme\">\n        <div class=\"ulux-card__container card__container\">\n                        <div class=\"ulux-card__body wp-block-unilux-blocks-free-content-card-item-body\">\n    \n<span class=\"ulux-card__related wp-block-unilux-blocks-plain-text\">Paypal-FNR Pearl<\/span>\n<h3 class=\"ulux-card__title has-text-align-left wp-block-unilux-blocks-heading\"        id=\"paypal-fnr-pearl-chair-in-digital-financial-services\"\n    >\nPayPal-FNR PEARL Chair in Digital Financial Services<\/h3>\n<div class=\"ulux-card__link-wrapper card__link wp-block-unilux-blocks-simple-cta\">\n    <a\n        href=\"https:\/\/www.uni.lu\/snt-en\/research-projects\/pearl\/\"\n        title=\"Learn more\"\n        class=\"link-text link-text--icon ulux-card__link link-text link-absolute\"\n        target=\"\"\n    >\n        <span class=\"link-text__body\">\n            <span class=\"link-text__name\">Learn more<\/span>\n        <\/span>\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>    <\/a>\n<\/div>\n<\/div>        <\/div>\n    <\/div>\n<\/li><li class=\"w-full sm:w-1\/2 lg:w-1\/3 px-16  wp-block-unilux-blocks-free-content-card-item\">\n    <div class=\"ulux-card card-project-related bg-theme\">\n        <div class=\"ulux-card__container card__container\">\n                        <div class=\"ulux-card__body wp-block-unilux-blocks-free-content-card-item-body\">\n    \n<span class=\"ulux-card__related wp-block-unilux-blocks-plain-text\">RegCheck<\/span>\n<h3 class=\"ulux-card__title has-text-align-left wp-block-unilux-blocks-heading\"        id=\"program-analysis-for-regulatory-compliance-assessment-of-fintech-software\"\n    >\nProgram analysis for regulatory compliance assessment of FinTech Software<\/h3>\n<div class=\"ulux-card__link-wrapper card__link wp-block-unilux-blocks-simple-cta\">\n    <a\n        href=\"https:\/\/www.uni.lu\/snt-en\/research-projects\/regcheck\/\"\n        title=\"Learn more\"\n        class=\"link-text link-text--icon ulux-card__link link-text link-absolute\"\n        target=\"\"\n    >\n        <span class=\"link-text__body\">\n            <span class=\"link-text__name\">Learn more<\/span>\n        <\/span>\n        <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-right \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-right\"><\/use><\/svg>    <\/a>\n<\/div>\n<\/div>        <\/div>\n    <\/div>\n<\/li><\/ul>\n\n\n<ul class=\"wp-block-unilux-blocks-custom-buttons btn-list justify-center\"><li class=\"wp-block-unilux-blocks-custom-button\"    aria-disabled=\"false\"\n    >\n    <a\n        role=\"link\"\n        aria-disabled=\"false\"\n                    href=\"#other-projects\"\n                target=\"_self\"\n        class=\"btn btn--primary\"\n            >All projects<\/a>\n<\/li>\n<\/ul>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-unilux-blocks-free-section section\"><div class=\"container xl:max-w-screen-xl\">\n<h2 class=\"has-text-align-left wp-block-unilux-blocks-heading\"        id=\"other-projects\"\n    >\nOther projects<\/h2>\n\n\n\n<div class=\"wp-block-unilux-blocks-accordion accordion accordion--theme accordion-standard\" data-reference=\"db76af33-6a2e-49f2-a954-0fe2a657130e\" data-accordion-type=\"standard\"><div class=\"accordion__item  wp-block-unilux-blocks-accordion-item\">\n    <h3 class=\"accordion__header\"\n                    id=\"ai-legallake-data-lake-a-legal-analysis-of-datalakes\"\n        >\n        <button\n            type=\"button\"\n            id=\"accordion-labelledby-9df52d2e-dc09-4102-8e8f-cb6444bebd4f\"\n            class=\"accordion__button collapsed\"\n            aria-expanded=\"false\"\n            aria-controls=\"accordion-panel-9df52d2e-dc09-4102-8e8f-cb6444bebd4f\"\n            data-bs-toggle=\"collapse\"\n            data-bs-target=\"#accordion-panel-9df52d2e-dc09-4102-8e8f-cb6444bebd4f\"\n        >\n            <span class=\"accordion__title\">\n                                AI LegalLake: Data Lake \u2013 A Legal Analysis of Datalakes            <\/span>\n\n            <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-down \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-down\"><\/use><\/svg>        <\/button>\n    <\/h3>\n    <div id=\"accordion-panel-9df52d2e-dc09-4102-8e8f-cb6444bebd4f\"\n        class=\"accordion__collapse collapse\"\n        aria-labelledby=\"accordion-labelledby-9df52d2e-dc09-4102-8e8f-cb6444bebd4f\"\n        data-bs-parent=\"[data-reference=&quot;db76af33-6a2e-49f2-a954-0fe2a657130e&quot;]\"\n    >\n        <div class=\"accordion__body \">\n            \n<ul class=\"wp-block-unilux-blocks-highlighted-list list-highlighted list-highlighted--architectural\"><li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"duration\"\n    >\nDuration<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>2.5 years<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"funding-source\"\n    >\nFunding Source<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>The Government of the Grand-Duchy of Luxembourg &#8211; Ministry of Finance, <br>Luxembourg National Research Fund, <br>University of Luxembourg<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"researchers\"\n    >\nResearchers<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>Silvia Allegrezza (PI)<br>Dirk Zetzsche, Elise Poillot, Martin Stierle, Gabriele Lenzini (Co-PIs)<br>Eirini Botza (Partner)<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"short-description\"\n    >\nShort Description<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>The AI-LakeLegal project aims at a legal and regulatory analysis of the datalake idea provided as part of the FinTech initiate framework. The analyse focuses on the impact of big data processing operated by automated systems implying the support of artificial intelligence. The basic idea of how interoperability of data lakes is influenced by the use of the AI technologies will be analysed according to the recent legislation approved by the European Union with the AI act. The fast adoption of AI technology left behind whoever aims to regulate it. AI expedites the technological developments in the world of finance and we need to reassess from different perspectives whether the legal framework is still fit for purpose or needs improvement. It also imposes a weighty responsibility on businesses to articulate complex financial information to consumers. AI makes this information &#8211; the data lakes &#8211; more accessible and serves as a vigilant watchdog, swiftly detecting lapses in regulation clarity and enforcement weaknesses.<br>The following pillars will be developed: financial law; intellectual property; consumer protection; financial investigation. The datalake raises substantial legal issues in at least four dimension: a) data protection and consumer rights, b) financial regulation relating to operational risk and business continuity management as well as outsourcing as well as private law matters of liability, c) AML\/KYC and criminal law accountability, and use as well as d) property rights in data stored on a blockchain and intellectual property in the processes used for the datalake.<br>The project thus addresses a core mission of the Future Fintech: the datalake project, delivering groundbreaking research results with practical use at a core element of the The LakeLegal project aims at a legal and regulatory analysis of the datalake idea provided as part of the FT initiate framework. This is a legal-only project as the datalake raises substantial legal issues in at least four dimension: a) data protection and consumer rights (Poillot), b) financial regulation relating to operational risk and business continuity management as well as outsourcing as well as private law matters of liability (Zetzsche), c) AML\/KYC and criminal law accountability and use (Allegrezza) as well as d) property rights in data stored on a blockchain and intellectual property in the processes used for the datalake (Stierle).<\/p>\n\n<p>In addition, legal interoperability is necessary to practically enable and realise a secure and legal flow of data in and from the datalake, in accordance with the above legal and regulatory analysis. The current lack of interoperability has been identified by the EU Commission as a significant obstacle to a thriving digital economy, and only by identifying the legal requirements for (technical solutions of) data sharing across data lakes it will be possible to ensure that financial transactions, based on aggregated data, are lawful and compliant.<\/p>\n\n<p>The project thus addresses a core mission of the Future Fintech: the datalake project. Given that datalakes as such have not yet been examined from a legal perspective, yet provide significant legal challenges, the project promises to deliver groundbreaking research results with practical use at a core element of the FutureFinTech topics.<\/p>\n<\/div><\/div><\/li><\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion__item  wp-block-unilux-blocks-accordion-item\">\n    <h3 class=\"accordion__header\"\n                    id=\"africa-automated-financial-regulations-change-impact-analysis\"\n        >\n        <button\n            type=\"button\"\n            id=\"accordion-labelledby-7abe3d84-7a56-4c86-bc84-27c901ac8b67\"\n            class=\"accordion__button collapsed\"\n            aria-expanded=\"false\"\n            aria-controls=\"accordion-panel-7abe3d84-7a56-4c86-bc84-27c901ac8b67\"\n            data-bs-toggle=\"collapse\"\n            data-bs-target=\"#accordion-panel-7abe3d84-7a56-4c86-bc84-27c901ac8b67\"\n        >\n            <span class=\"accordion__title\">\n                                AFRICA: Automated Financial Regulations change Impact Analysis            <\/span>\n\n            <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-down \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-down\"><\/use><\/svg>        <\/button>\n    <\/h3>\n    <div id=\"accordion-panel-7abe3d84-7a56-4c86-bc84-27c901ac8b67\"\n        class=\"accordion__collapse collapse\"\n        aria-labelledby=\"accordion-labelledby-7abe3d84-7a56-4c86-bc84-27c901ac8b67\"\n        data-bs-parent=\"[data-reference=&quot;db76af33-6a2e-49f2-a954-0fe2a657130e&quot;]\"\n    >\n        <div class=\"accordion__body \">\n            \n<ul class=\"wp-block-unilux-blocks-highlighted-list list-highlighted list-highlighted--architectural\"><li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"duration\"\n    >\nDuration<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>2.7 years<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"funding-source\"\n    >\nFunding Source<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>The Government of the Grand-Duchy of Luxembourg &#8211; Ministry of Finance, <br>Luxembourg National Research Fund, <br>University of Luxembourg<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"researchers\"\n    >\nResearchers<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>Domenico Bianculli (PI)<br>Dirk Zetzsche (Co-PI)<br>Sallam Abualhaija (SPOC)<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"short-description\"\n    >\nShort Description<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>Regulations evolve over time through the amendment, repeal, or addition of legal provisions. The finance sector is a highly regulated domain that has undergone continuous regulatory changes following the 2008 crisis. Software-based financial services, such as online banking and trading, must consistently adhere to these regulations.<br>Monitoring and analysing regulatory changes is essential to ensure that such services remain compliant. These changes can have a significant impact on existing software systems that were previously compliant. However, manually tracking regulatory changes is both time-consuming and prone to errors.<\/p>\n\n<p>This project explores innovative methods for automating the impact analysis of changes in financial regulations. Our aim is to characterise regulatory changes relevant to financial regulations and develop automated solutions to identify, classify, and assess the impact of these changes on existing (potentially compliant) software systems.<\/p>\n<\/div><\/div><\/li><\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion__item  wp-block-unilux-blocks-accordion-item\">\n    <h3 class=\"accordion__header\"\n                    id=\"afs-automatization-of-investment-fund-set-up-and-registration-from-a-supervisory-perspective\"\n        >\n        <button\n            type=\"button\"\n            id=\"accordion-labelledby-a17a64a0-0770-463f-ab60-62ee97a6826f\"\n            class=\"accordion__button collapsed\"\n            aria-expanded=\"false\"\n            aria-controls=\"accordion-panel-a17a64a0-0770-463f-ab60-62ee97a6826f\"\n            data-bs-toggle=\"collapse\"\n            data-bs-target=\"#accordion-panel-a17a64a0-0770-463f-ab60-62ee97a6826f\"\n        >\n            <span class=\"accordion__title\">\n                                AFS: Automatization of Investment Fund Set-up and Registration from a Supervisory Perspective            <\/span>\n\n            <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-down \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-down\"><\/use><\/svg>        <\/button>\n    <\/h3>\n    <div id=\"accordion-panel-a17a64a0-0770-463f-ab60-62ee97a6826f\"\n        class=\"accordion__collapse collapse\"\n        aria-labelledby=\"accordion-labelledby-a17a64a0-0770-463f-ab60-62ee97a6826f\"\n        data-bs-parent=\"[data-reference=&quot;db76af33-6a2e-49f2-a954-0fe2a657130e&quot;]\"\n    >\n        <div class=\"accordion__body \">\n            \n<ul class=\"wp-block-unilux-blocks-highlighted-list list-highlighted list-highlighted--architectural\"><li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"duration\"\n    >\nDuration<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>2.7 years<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"funding-source\"\n    >\nFunding Source<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>The Government of the Grand-Duchy of Luxembourg &#8211; Ministry of Finance, <br>Luxembourg National Research Fund, <br>University of Luxembourg<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"researchers\"\n    >\nResearchers<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>Dirk Zetzsche (PI)<br>Mike Papadakis (Co-PI)<br>Dr Marco Bodellini (SPOC)<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"short-description\"\n    >\nShort Description<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>The AFS project explores the potential of automating the fund set-up and registration process with the CSSF. By streamlining these procedures, the project aims to enhance efficiency and ensure seamless data utilisation in subsequent supervisory processes.<\/p>\n\n<p>As an outcome, we will identify and propose potential technologies that can be leveraged for key regulatory steps, paving the way for future practical applications. This initiative aligns with the FutureFinTech objective of automating financial services and addresses a fundamental aspect of the supervisory process for investment funds.<\/p>\n<\/div><\/div><\/li><\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion__item  wp-block-unilux-blocks-accordion-item\">\n    <h3 class=\"accordion__header\"\n                    id=\"da-data-as-an-emerging-asset-class\"\n        >\n        <button\n            type=\"button\"\n            id=\"accordion-labelledby-ddb4df23-69a7-4cea-a3ed-0aefdb7049eb\"\n            class=\"accordion__button collapsed\"\n            aria-expanded=\"false\"\n            aria-controls=\"accordion-panel-ddb4df23-69a7-4cea-a3ed-0aefdb7049eb\"\n            data-bs-toggle=\"collapse\"\n            data-bs-target=\"#accordion-panel-ddb4df23-69a7-4cea-a3ed-0aefdb7049eb\"\n        >\n            <span class=\"accordion__title\">\n                                D@A: Data as an emerging asset class            <\/span>\n\n            <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-down \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-down\"><\/use><\/svg>        <\/button>\n    <\/h3>\n    <div id=\"accordion-panel-ddb4df23-69a7-4cea-a3ed-0aefdb7049eb\"\n        class=\"accordion__collapse collapse\"\n        aria-labelledby=\"accordion-labelledby-ddb4df23-69a7-4cea-a3ed-0aefdb7049eb\"\n        data-bs-parent=\"[data-reference=&quot;db76af33-6a2e-49f2-a954-0fe2a657130e&quot;]\"\n    >\n        <div class=\"accordion__body \">\n            \n<ul class=\"wp-block-unilux-blocks-highlighted-list list-highlighted list-highlighted--architectural\"><li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"duration\"\n    >\nDuration<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>2.8 years<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"funding-source\"\n    >\nFunding Source<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>The Government of the Grand-Duchy of Luxembourg &#8211; Ministry of Finance, <br>Luxembourg National Research Fund, <br>University of Luxembourg<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"researchers\"\n    >\nResearchers<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>Denitsa Stefanova (PI)<br>Radu State (Co-PI)<br>Denitsa Stefanova (SPOC)<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"short-description\"\n    >\nShort Description<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>With the widespread digitalisation of socio-economic interactions and financial transactions, data is emerging as a valuable asset class. Individuals must develop an awareness of their responsibility when sharing personal data and understand the long-term implications. However, this presents a significant challenge, as many are accustomed to delegating data-related decisions to third parties.<br>The two primary objectives of D@A are:<\/p>\n\n<ol class=\"ulux-list\">\n<li class=\"ulux-list-item\">To understand and analyse data as an asset class.<\/li>\n\n\n\n<li class=\"ulux-list-item\">To develop a decentralised digital market for tokenising and trading data.<\/li>\n<\/ol>\n\n<p>These objectives highlight the interdisciplinary nature of our proposal and establish a strong connection to the FutureFinTech goals.<\/p>\n<\/div><\/div><\/li><\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion__item  wp-block-unilux-blocks-accordion-item\">\n    <h3 class=\"accordion__header\"\n                    id=\"fumla-enabling-non-expert-data-fusion-machine-learning-and-analysis-through-no-code-tools-for-the-fintech-domain\"\n        >\n        <button\n            type=\"button\"\n            id=\"accordion-labelledby-41d2f43c-f49c-4014-84ea-0f4c65f4d83a\"\n            class=\"accordion__button collapsed\"\n            aria-expanded=\"false\"\n            aria-controls=\"accordion-panel-41d2f43c-f49c-4014-84ea-0f4c65f4d83a\"\n            data-bs-toggle=\"collapse\"\n            data-bs-target=\"#accordion-panel-41d2f43c-f49c-4014-84ea-0f4c65f4d83a\"\n        >\n            <span class=\"accordion__title\">\n                                FuMLA: Enabling non-expert Data Fusion, Machine Learning and Analysis through no-code tools for the FinTech domain            <\/span>\n\n            <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-down \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-down\"><\/use><\/svg>        <\/button>\n    <\/h3>\n    <div id=\"accordion-panel-41d2f43c-f49c-4014-84ea-0f4c65f4d83a\"\n        class=\"accordion__collapse collapse\"\n        aria-labelledby=\"accordion-labelledby-41d2f43c-f49c-4014-84ea-0f4c65f4d83a\"\n        data-bs-parent=\"[data-reference=&quot;db76af33-6a2e-49f2-a954-0fe2a657130e&quot;]\"\n    >\n        <div class=\"accordion__body \">\n            \n<ul class=\"wp-block-unilux-blocks-highlighted-list list-highlighted list-highlighted--architectural\"><li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"duration\"\n    >\nDuration<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>2.7 years<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"funding-source\"\n    >\nFunding Source<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>The Government of the Grand-Duchy of Luxembourg &#8211; Ministry of Finance, <br>Luxembourg National Research Fund, <br>University of Luxembourg<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"researchers\"\n    >\nResearchers<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>Mats Brorsson (PI)<br>Denitsa Stefanova (Co-PI)<br>Mats Brorsson (SPOC)<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"short-description\"\n    >\nShort Description<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>Data science modelling and analysis using machine learning remains largely confined to computer and data science specialists, who often lack the necessary domain expertise. This is particularly evident in financial institutions, which serve as custodians of vast datasets. Professionals in these institutions would need to invest significant time in acquiring such a diverse skill set.<br>This project applies design research principles in the context of credit risk assessment and aims to develop automated mechanisms that translate domain knowledge into specifications, guiding the creation of purpose-driven and practical machine learning algorithms.<\/p>\n<\/div><\/div><\/li><\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion__item  wp-block-unilux-blocks-accordion-item\">\n    <h3 class=\"accordion__header\"\n                    id=\"iccofido-incremental-compliance-checking-of-financial-documents\"\n        >\n        <button\n            type=\"button\"\n            id=\"accordion-labelledby-6dfdce58-6912-48a9-8229-ce75a48f3d4c\"\n            class=\"accordion__button collapsed\"\n            aria-expanded=\"false\"\n            aria-controls=\"accordion-panel-6dfdce58-6912-48a9-8229-ce75a48f3d4c\"\n            data-bs-toggle=\"collapse\"\n            data-bs-target=\"#accordion-panel-6dfdce58-6912-48a9-8229-ce75a48f3d4c\"\n        >\n            <span class=\"accordion__title\">\n                                ICCOFIDO: Incremental compliance checking of financial documents            <\/span>\n\n            <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-down \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-down\"><\/use><\/svg>        <\/button>\n    <\/h3>\n    <div id=\"accordion-panel-6dfdce58-6912-48a9-8229-ce75a48f3d4c\"\n        class=\"accordion__collapse collapse\"\n        aria-labelledby=\"accordion-labelledby-6dfdce58-6912-48a9-8229-ce75a48f3d4c\"\n        data-bs-parent=\"[data-reference=&quot;db76af33-6a2e-49f2-a954-0fe2a657130e&quot;]\"\n    >\n        <div class=\"accordion__body \">\n            \n<ul class=\"wp-block-unilux-blocks-highlighted-list list-highlighted list-highlighted--architectural\"><li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"duration\"\n    >\nDuration<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>2.7 years<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"funding-source\"\n    >\nFunding Source<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>The Government of the Grand-Duchy of Luxembourg &#8211; Ministry of Finance, <br>Luxembourg National Research Fund, <br>University of Luxembourg<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"researchers\"\n    >\nResearchers<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>Domenico Bianculli (PI)<br>Stanislaw Tosza (Co-PI)<br>Nicolas Sannier (SPOC)<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"short-description\"\n    >\nShort Description<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>Financial regulators ensure that investment fund documents comply with the regulations set out in national and international laws. These regulations specify the key information and metadata that must be included in each type of document.<br>Currently, compliance checking remains a manual process, which is both time-consuming and prone to errors. Moreover, compliance checking is inherently incremental, requiring regulators to carefully review multiple intermediate draft versions of a financial document before a fund is approved for listing on the financial market.<br>This project explores how to automate compliance checking as an incremental process. Specifically, it aims to develop innovative compliance and document engineering techniques\u2014drawing inspiration from software engineering methods\u2014to process document differences and generate corresponding incremental compliance checks.<\/p>\n<\/div><\/div><\/li><\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion__item  wp-block-unilux-blocks-accordion-item\">\n    <h3 class=\"accordion__header\"\n                    id=\"robocomp-robotic-process-automation-in-anti-money-laundering-compliance\"\n        >\n        <button\n            type=\"button\"\n            id=\"accordion-labelledby-4439d69c-d4ea-4843-b678-535e79700a50\"\n            class=\"accordion__button collapsed\"\n            aria-expanded=\"false\"\n            aria-controls=\"accordion-panel-4439d69c-d4ea-4843-b678-535e79700a50\"\n            data-bs-toggle=\"collapse\"\n            data-bs-target=\"#accordion-panel-4439d69c-d4ea-4843-b678-535e79700a50\"\n        >\n            <span class=\"accordion__title\">\n                                RoboComp: Robotic Process Automation in Anti-Money Laundering Compliance            <\/span>\n\n            <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-down \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-down\"><\/use><\/svg>        <\/button>\n    <\/h3>\n    <div id=\"accordion-panel-4439d69c-d4ea-4843-b678-535e79700a50\"\n        class=\"accordion__collapse collapse\"\n        aria-labelledby=\"accordion-labelledby-4439d69c-d4ea-4843-b678-535e79700a50\"\n        data-bs-parent=\"[data-reference=&quot;db76af33-6a2e-49f2-a954-0fe2a657130e&quot;]\"\n    >\n        <div class=\"accordion__body \">\n            \n<ul class=\"wp-block-unilux-blocks-highlighted-list list-highlighted list-highlighted--architectural\"><li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"duration\"\n    >\nDuration<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>2.9 years<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"funding-source\"\n    >\nFunding Source<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>The Government of the Grand-Duchy of Luxembourg &#8211; Ministry of Finance, <br>Luxembourg National Research Fund, <br>University of Luxembourg<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"researchers\"\n    >\nResearchers<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>Stanislaw Tosza (PI)<br>Djamila Aouda, Raphael Frank (Co-PIs)<br>Olivier Voordeckers (SPOC)<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"short-description\"\n    >\nShort Description<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>The European Union&#8217;s anti-money laundering (AML) policy imposes several compliance obligations on financial institutions, particularly in relation to customer due diligence and reporting requirements. These obligations require institutions to assess the risk of money laundering associated with specific clients and transactions.<br>The primary objective of this project is to explore and contribute to the development of machine learning tools for AML compliance while also examining the legal implications of their use. This includes a critical analysis of the existing legal framework to ensure alignment with regulatory requirements.<\/p>\n<\/div><\/div><\/li><\/ul>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"accordion__item  wp-block-unilux-blocks-accordion-item\">\n    <h3 class=\"accordion__header\"\n                    id=\"rumofa-runtime-monitoring-of-fund-activities\"\n        >\n        <button\n            type=\"button\"\n            id=\"accordion-labelledby-18ee3247-5420-436a-9f9a-1552a13aad4c\"\n            class=\"accordion__button collapsed\"\n            aria-expanded=\"false\"\n            aria-controls=\"accordion-panel-18ee3247-5420-436a-9f9a-1552a13aad4c\"\n            data-bs-toggle=\"collapse\"\n            data-bs-target=\"#accordion-panel-18ee3247-5420-436a-9f9a-1552a13aad4c\"\n        >\n            <span class=\"accordion__title\">\n                                RUMOFA: Runtime monitoring of fund activities            <\/span>\n\n            <svg aria-hidden=\"true\" focusable=\"false\" class=\"icon icon-outline icon--arrow-down \"><use xlink:href=\"https:\/\/www.uni.lu\/wp-content\/themes\/unilux-theme\/assets\/images\/icons\/icons-outline.svg#icon--arrow-down\"><\/use><\/svg>        <\/button>\n    <\/h3>\n    <div id=\"accordion-panel-18ee3247-5420-436a-9f9a-1552a13aad4c\"\n        class=\"accordion__collapse collapse\"\n        aria-labelledby=\"accordion-labelledby-18ee3247-5420-436a-9f9a-1552a13aad4c\"\n        data-bs-parent=\"[data-reference=&quot;db76af33-6a2e-49f2-a954-0fe2a657130e&quot;]\"\n    >\n        <div class=\"accordion__body \">\n            \n<ul class=\"wp-block-unilux-blocks-highlighted-list list-highlighted list-highlighted--architectural\"><li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"duration\"\n    >\nDuration<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>2.7 years<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"funding-source\"\n    >\nFunding Source<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>The Government of the Grand-Duchy of Luxembourg &#8211; Ministry of Finance, <br>Luxembourg National Research Fund, <br>University of Luxembourg<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"researchers\"\n    >\nResearchers<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>Domenico Bianculli (PI)<br>Michael Halling (Co-PI)<br>Marcello Ceci (SPOC)<\/p>\n<\/div><\/div><\/li>\n\n<li class=\"list-highlighted__item  wp-block-unilux-blocks-highlighted-list-item\">\n    <header class=\"list-highlighted__header wp-block-unilux-blocks-highlighted-list-item-header\">\n    \n<h4 class=\"title text-18 font-bold has-text-align-left wp-block-unilux-blocks-heading\"        id=\"short-description\"\n    >\nShort Description<\/h4>\n<div class=\"wp-block-unilux-blocks-bigtext\">\n    <span>\n        \n    <\/span>\n<\/div><\/header><div class=\"list-highlighted__body wp-block-unilux-blocks-highlighted-list-item-body\">\n    <div class=\"wp-block-unilux-blocks-highlighted-list-item-free-content-area\">\n    \n<p>Monitoring fund activities, such as share subscriptions, is crucial for protecting investors&#8217; rights and combating financial crime, including fraud and money laundering. However, manual monitoring is challenging and prone to errors, primarily due to the complexity of financial regulations, the intricacies of fund documents, and the vast amount of data involved.<\/p>\n\n<p>To address these challenges, this project aims to develop an automated, scalable, and accurate approach for monitoring fund activities using Natural Language Processing, Machine Learning, and Runtime Verification. Specifically, the project will focus on two key objectives:<br>1) AI-driven extraction of metadata and intermediate semantic representations from financial regulations and fund documents.<br>2) Automated monitoring and verification of financial transaction records against regulatory requirements derived from these documents.<\/p>\n<\/div><\/div><\/li><\/ul>\n        <\/div>\n    <\/div>\n<\/div><\/div>\n<\/div><\/section>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":67,"featured_media":0,"parent":6079,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"featured_image_focal_point":[],"show_featured_caption":false,"ulux_newsletter_groups":"","uluxPostTitle":"FutureFinTech","uluxPrePostTitle":"National Centre of Excellence in Research and Innovation","_trash_the_other_posts":false,"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"footnotes":""},"field-of-interest":[],"organisation":[],"authorship":[67,33,219,326,399],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.3 (Yoast SEO v22.3) - 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