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<p><i>PNGX Markets, the PNG Digital ICT Cluster, and Emerging Venture Management (“Unkapt”) - together the proponents of the DEFINE Initiative – have signed a Memorandum of Understanding (“MOU”) with SVM Ventures LLC (“underwrite.ai”) of Boston, USA. Together they will develop a machine learning based credit risk assessment framework for specific use in PNG and the Pacific region. This framework will assist lending institutions to make lending decisions easier and faster for loans to micro, small and medium sized enterprises (MSMEs).</i></p>