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India | FinTech | Global Tech Summit 2023

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class="cta3 desktop_view"> <div class="container-fluid"> <div class="row"> <!-- <div class="col-md-12"> <h1 class="text-white">FinTech</h1> </div> --> <div class="col-md-8"> <h1 class="text-white">FinTech </h1> </div> <div class="col-md-64"> <h2><a href="https://www.globaltechsummit.com/assets/pdf/G20-Global-Tech-Summit-2023-Agenda.pdf" target="_blank" class="text-white-tent-prg">Program</a> </h2> </div> </div> </div> </section> <style> #file_name1 , #file_name2 { visibility:hidden !important; max-height: 0 !important; width: 10rem !important; max-height: 125px; } .reg-forms .form-group { padding: 0 40px !important; } </style> <section class="ft_contact"> <h4 class="ft_head text-center">Submit Your TechTalk Pitches</h4> <div class="container"> <div class="onlinepay reg-forms"> <form class="form" id="postform" method="post" name="postform" accept-charset="utf-8" enctype="multipart/form-data" onSubmit="return captchaload();"> <div class="row"> <div class="col-md-6 reg-border"> <div class="form-group"> <label>Title <span class="Red"><span class="Red">*</span></span></label> <div class="form-width"> <i class="fa fa-check" aria-hidden="true"></i> <select name="title" class="form-control" required> <option / selected="selected">Select Title</option> <option value="Mr">Mr</option> <option value="Ms">Ms</option> <option value="Mrs">Mrs</option> <option value="Prof">Prof</option> <option value="Dr">Dr</option> <option value="Assist Prof Dr">Assist Prof Dr</option> <option value="Assoc Prof Dr">Assoc Prof Dr</option> </select> </div> </div> <div class="form-group"> <label>First Name <span class="Red">*</span></label> <div class="form-width"> <i class="fa fa-user" aria-hidden="true"></i> <input type="text" class="form-control" name="fname" id="fname" placeholder="Enter First Name" size="40" required /> </div> </div> <div class="form-group"> <label>Last Name <span class="Red">*</span></label> <div class="form-width"><i class="fa fa-user" aria-hidden="true"></i> <input type="text" class="form-control" name="lname" id="lname" placeholder="Enter Last Name" size="40" required / /> </div> </div> <div class="form-group"> <label for="sel1">Country <span class="Red">*</span></label> <div class="form-width"><i class="fa fa-globe" aria-hidden="true"></i> <select id="country_id" name="country_id" class="form-control" required> <option selected="selected">--Select Country--</option> <option data-pcode="" value="1" > Afghanistan</option> <option data-pcode="" value="2" > Albania</option> <option data-pcode="" value="3" > Algeria</option> <option data-pcode="" value="4" > American Samoa</option> <option data-pcode="" value="5" > Andorra</option> <option data-pcode="" value="6" > Angola</option> <option data-pcode="" value="7" > Anguilla</option> <option data-pcode="" value="8" > Antarctica</option> <option data-pcode="" value="9" > Antigua and Barbuda</option> <option data-pcode="" value="10" > Argentina</option> <option data-pcode="" value="11" > Armenia</option> <option data-pcode="" value="12" > Aruba</option> <option data-pcode="" value="13" > Australia</option> <option data-pcode="" value="14" > Austria</option> <option data-pcode="" value="15" > Azerbaijan</option> <option data-pcode="" value="16" > Bahamas</option> <option data-pcode="" value="17" > Bahrain</option> <option data-pcode="" value="18" > Bangladesh</option> <option data-pcode="" value="19" > Barbados</option> <option data-pcode="" value="20" > Belarus</option> <option data-pcode="" value="21" > Belgium</option> <option data-pcode="" value="22" > Belize</option> <option data-pcode="" value="23" > Benin</option> <option data-pcode="" value="24" > Bermuda</option> <option data-pcode="" value="25" > Bhutan</option> <option data-pcode="" value="26" > Bolivia</option> <option data-pcode="" value="27" > Bosnia and Herzegovina</option> <option data-pcode="" value="28" > Botswana</option> <option data-pcode="" value="29" > Bouvet Island</option> <option data-pcode="" value="30" > Brazil</option> <option data-pcode="" value="31" > British Indian Ocean Territory</option> <option data-pcode="" value="32" > Brunei Darussalam</option> <option data-pcode="" value="33" > Bulgaria</option> <option data-pcode="" value="34" > Burkina Faso</option> <option data-pcode="" value="35" > Burundi</option> <option data-pcode="" value="36" > Cambodia</option> <option data-pcode="" value="37" > Cameroon</option> <option data-pcode="" value="38" > Canada</option> <option data-pcode="" value="39" > Cape Verde</option> <option data-pcode="" value="40" > Cayman Islands</option> <option data-pcode="" value="41" > Central African Republic</option> <option data-pcode="" value="42" > Chad</option> <option data-pcode="" value="43" > Chile</option> <option data-pcode="" value="44" > China</option> <option data-pcode="" value="45" > Christmas Island</option> <option data-pcode="" value="46" > Cocos (Keeling) Islands</option> <option data-pcode="" value="47" > Colombia</option> <option data-pcode="" value="48" > Comoros</option> <option data-pcode="" value="49" > Congo</option> <option data-pcode="" value="50" > Congo, the Democratic Republic of the</option> <option data-pcode="" value="51" > Cook Islands</option> <option data-pcode="" value="52" > Costa Rica</option> <option data-pcode="" value="53" > Cote D'Ivoire</option> <option data-pcode="" value="54" > Croatia</option> <option data-pcode="" value="55" > Cuba</option> <option data-pcode="" value="56" > Cyprus</option> <option data-pcode="" value="57" > Czech Republic</option> <option data-pcode="" value="58" > Denmark</option> <option data-pcode="" value="59" > Djibouti</option> <option data-pcode="" value="60" > Dominica</option> <option data-pcode="" value="61" > Dominican Republic</option> <option data-pcode="" value="62" > Ecuador</option> <option data-pcode="" value="63" > Egypt</option> <option data-pcode="" value="64" > El Salvador</option> <option data-pcode="" value="65" > Equatorial Guinea</option> <option data-pcode="" value="66" > Eritrea</option> <option data-pcode="" value="67" > Estonia</option> <option data-pcode="" value="68" > Ethiopia</option> <option data-pcode="" value="69" > Falkland Islands (Malvinas)</option> <option data-pcode="" value="70" > Faroe Islands</option> <option data-pcode="" value="71" > Fiji</option> <option data-pcode="" value="72" > Finland</option> <option data-pcode="" value="73" > France</option> <option data-pcode="" value="74" > French Guiana</option> <option data-pcode="" value="75" > French Polynesia</option> <option data-pcode="" value="76" > French Southern Territories</option> <option data-pcode="" value="77" > Gabon</option> <option data-pcode="" value="78" > Gambia</option> <option data-pcode="" value="79" > Georgia</option> <option data-pcode="" value="80" > Germany</option> <option data-pcode="" value="81" > Ghana</option> <option data-pcode="" value="82" > Gibraltar</option> <option data-pcode="" value="83" > Greece</option> <option data-pcode="" value="84" > Greenland</option> <option data-pcode="" value="85" > Grenada</option> <option data-pcode="" value="86" > Guadeloupe</option> <option data-pcode="" value="87" > Guam</option> <option data-pcode="" value="88" > Guatemala</option> <option data-pcode="" value="89" > Guinea</option> <option data-pcode="" value="90" > Guinea-Bissau</option> <option data-pcode="" value="91" > Guyana</option> <option data-pcode="" value="92" > Haiti</option> <option data-pcode="" value="93" > Heard Island and Mcdonald Islands</option> <option data-pcode="" value="94" > Holy See (Vatican City State)</option> <option data-pcode="" value="95" > Honduras</option> <option data-pcode="" value="96" > Hong Kong</option> <option data-pcode="" value="97" > Hungary</option> <option data-pcode="" value="98" > Iceland</option> <option data-pcode="" value="99" > India</option> <option data-pcode="" value="100" > Indonesia</option> <option data-pcode="" value="101" > Iran, Islamic Republic of</option> <option data-pcode="" value="102" > Iraq</option> <option data-pcode="" value="103" > Ireland</option> <option data-pcode="" value="104" > Israel</option> <option data-pcode="" value="105" > Italy</option> <option data-pcode="" value="106" > Jamaica</option> <option data-pcode="" value="107" > Japan</option> <option data-pcode="" value="108" > Jordan</option> <option data-pcode="" value="109" > Kazakhstan</option> <option data-pcode="" value="110" > Kenya</option> <option data-pcode="" value="111" > Kiribati</option> <option data-pcode="" value="112" > Korea, Democratic People's Republic of</option> <option data-pcode="" value="113" > Korea, Republic of</option> <option data-pcode="" value="114" > Kuwait</option> <option data-pcode="" value="115" > Kyrgyzstan</option> <option data-pcode="" value="116" > Lao People's Democratic Republic</option> <option data-pcode="" value="117" > Latvia</option> <option data-pcode="" value="118" > Lebanon</option> <option data-pcode="" value="119" > Lesotho</option> <option data-pcode="" value="120" > Liberia</option> <option data-pcode="" value="121" > Libyan Arab Jamahiriya</option> <option data-pcode="" value="122" > Liechtenstein</option> <option data-pcode="" value="123" > Lithuania</option> <option data-pcode="" value="124" > Luxembourg</option> <option data-pcode="" value="125" > Macao</option> <option data-pcode="" value="126" > Macedonia, the Former Yugoslav Republic of</option> <option data-pcode="" value="127" > Madagascar</option> <option data-pcode="" value="128" > Malawi</option> <option data-pcode="" value="129" > Malaysia</option> <option data-pcode="" value="130" > Maldives</option> <option data-pcode="" value="131" > Mali</option> <option data-pcode="" value="132" > Malta</option> <option data-pcode="" value="133" > Marshall Islands</option> <option data-pcode="" value="134" > Martinique</option> <option data-pcode="" value="135" > Mauritania</option> <option data-pcode="" value="136" > Mauritius</option> <option data-pcode="" value="137" > Mayotte</option> <option data-pcode="" value="138" > Mexico</option> <option data-pcode="" value="139" > Micronesia, Federated States of</option> <option data-pcode="" value="140" > Moldova, Republic of</option> <option data-pcode="" value="141" > Monaco</option> <option data-pcode="" value="142" > Mongolia</option> <option data-pcode="" value="143" > Montserrat</option> <option data-pcode="" value="144" > Morocco</option> <option data-pcode="" value="145" > Mozambique</option> <option data-pcode="" value="146" > Myanmar</option> <option data-pcode="" value="147" > Namibia</option> <option data-pcode="" value="148" > Nauru</option> <option data-pcode="" value="149" > Nepal</option> <option data-pcode="" value="150" > Netherlands</option> <option data-pcode="" value="151" > Netherlands Antilles</option> <option data-pcode="" value="152" > New Caledonia</option> <option data-pcode="" value="153" > New Zealand</option> <option data-pcode="" value="154" > Nicaragua</option> <option data-pcode="" value="155" > Niger</option> <option data-pcode="" value="156" > Nigeria</option> <option data-pcode="" value="157" > Niue</option> <option data-pcode="" value="158" > Norfolk Island</option> <option data-pcode="" value="159" > Northern Mariana Islands</option> <option data-pcode="" value="160" > Norway</option> <option data-pcode="" value="161" > Oman</option> <option data-pcode="" value="162" > Pakistan</option> <option data-pcode="" value="163" > Palau</option> <option data-pcode="" value="164" > Palestinian Territory, Occupied</option> <option data-pcode="" value="165" > Panama</option> <option data-pcode="" value="166" > Papua New Guinea</option> <option data-pcode="" value="167" > Paraguay</option> <option data-pcode="" value="168" > Peru</option> <option data-pcode="" value="169" > Philippines</option> <option data-pcode="" value="170" > Pitcairn</option> <option data-pcode="" value="171" > Poland</option> <option data-pcode="" value="172" > Portugal</option> <option data-pcode="" value="173" > Puerto Rico</option> <option data-pcode="" value="174" > Qatar</option> <option data-pcode="" value="175" > Reunion</option> <option data-pcode="" value="176" > Romania</option> <option data-pcode="" value="177" > Russian Federation</option> <option data-pcode="" value="178" > Rwanda</option> <option data-pcode="" value="179" > Saint Helena</option> <option data-pcode="" value="180" > Saint Kitts and Nevis</option> <option data-pcode="" value="181" > Saint Lucia</option> <option data-pcode="" value="182" > Saint Pierre and Miquelon</option> <option data-pcode="" value="183" > Saint Vincent and the Grenadines</option> <option data-pcode="" value="184" > Samoa</option> <option data-pcode="" value="185" > San Marino</option> <option data-pcode="" value="186" > Sao Tome and Principe</option> <option data-pcode="" value="187" > Saudi Arabia</option> <option data-pcode="" value="188" > Senegal</option> <option data-pcode="" value="189" > Serbia and Montenegro</option> <option data-pcode="" value="190" > Seychelles</option> <option data-pcode="" value="191" > Sierra Leone</option> <option data-pcode="" value="192" > Singapore</option> <option data-pcode="" value="193" > Slovakia</option> <option data-pcode="" value="194" > Slovenia</option> <option data-pcode="" value="195" > Solomon Islands</option> <option data-pcode="" value="196" > Somalia</option> <option data-pcode="" value="197" > South Africa</option> <option data-pcode="" value="198" > South Georgia and the South Sandwich Islands</option> <option data-pcode="" value="199" > Spain</option> <option data-pcode="" value="200" > Sri Lanka</option> <option data-pcode="" value="201" > Sudan</option> <option data-pcode="" value="202" > Suriname</option> <option data-pcode="" value="203" > Svalbard and Jan Mayen</option> <option data-pcode="" value="204" > Swaziland</option> <option data-pcode="" value="205" > Sweden</option> <option data-pcode="" value="206" > Switzerland</option> <option data-pcode="" value="207" > Syrian Arab Republic</option> <option data-pcode="" value="208" > Taiwan, Province of China</option> <option data-pcode="" value="209" > Tajikistan</option> <option data-pcode="" value="210" > Tanzania, United Republic of</option> <option data-pcode="" value="211" > Thailand</option> <option data-pcode="" value="212" > Timor-Leste</option> <option data-pcode="" value="213" > Togo</option> <option data-pcode="" value="214" > Tokelau</option> <option data-pcode="" value="215" > Tonga</option> <option data-pcode="" value="216" > Trinidad and Tobago</option> <option data-pcode="" value="217" > Tunisia</option> <option data-pcode="" value="218" > Turkey</option> <option data-pcode="" value="219" > Turkmenistan</option> <option data-pcode="" value="220" > Turks and Caicos Islands</option> <option data-pcode="" value="221" > Tuvalu</option> <option data-pcode="" value="222" > Uganda</option> <option data-pcode="" value="223" > Ukraine</option> <option data-pcode="" value="224" > United Arab Emirates</option> <option data-pcode="" value="225" > United Kingdom</option> <option data-pcode="" value="226" > United States</option> <option data-pcode="" value="227" > United States Minor Outlying Islands</option> <option data-pcode="" value="228" > Uruguay</option> <option data-pcode="" value="229" > Uzbekistan</option> <option data-pcode="" value="230" > Vanuatu</option> <option data-pcode="" value="231" > Venezuela</option> <option data-pcode="" value="232" > Viet Nam</option> <option data-pcode="" value="233" > Virgin Islands, British</option> <option data-pcode="" value="234" > Virgin Islands, U.s.</option> <option data-pcode="" value="235" > Wallis and Futuna</option> <option data-pcode="" value="236" > Western Sahara</option> <option data-pcode="" value="237" > Yemen</option> <option data-pcode="" value="238" > Zambia</option> <option data-pcode="" value="239" > Zimbabwe</option> <option data-pcode="" value="240" > Taiwan, Republic of China</option> <option data-pcode="" value="241" > South Korea</option> </select> </div> </div> <div class="form-group"> <label>E-Mail <span class="Red">*</span></label> <div class="form-width"><i class="fa fa-envelope" aria-hidden="true"></i> <input type="email" name="email" class="form-control" id="email" placeholder="Your email" required /> </div> </div> </div> <div class="col-md-6"> <div class="form-group"> <label>Phone Number <span class="Red">*</span></label> <div class="form-width"> <i class="fa fa-mobile" aria-hidden="true"></i> <input type="text" class="form-control" id="phone" name="phone" placeholder="Phone Number" required /> </div> </div> <div class="form-group"> <label>Comment</label> <div class="form-width"><i class="fa fa-comment-o" aria-hidden="true"></i> <textarea name="message" maxlength="150" class="form-control" id="message"></textarea> </div> </div> <div class="btn-group flex-wrap" role="group" 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class="section-title"> <p><strong>Financial Technology</strong></p> <p>Financial technology, also known as Fintech, is new technology that strives to enhance and automate the delivery and usage of financial services. Fintech helps companies, company owners, and consumers better manage their financial operations, processes, and lives by applying specialised software and algorithms that are used on computers and, increasingly, smartphones. The words &quot;fintech&quot; and &quot;financial technology&quot; are mixed.</p> <p>The word &quot;fintech&quot; was first used in the 21st century to refer to the technology employed in the back-end systems of established financial institutions. However, since then, services that are more centred on client demands have grown, calling for a more consumer-focused definition. Today, fintech refers to a wide range of industries and sectors, including investment management, retail banking, education, and others.</p> <p>Extensively, the expression &quot;monetary innovation&quot; can apply to any advancement in how individuals execute business, from the creation of computerized cash to twofold section accounting. Financial technology, on the other hand, has grown rapidly ever since the mobile Internet and smartphone revolutions and the Internet revolution. Fintech now encompasses a wide range of technological interventions into personal and commercial finance. Originally, the term &quot;fintech&quot; was used to describe the application of computer technology to the back office of banks or trading firms.</p> <p>Nowadays, the term &quot;fintech&quot; refers to a wide range of financial services that can be performed without the assistance of a human, such as making money transfers, depositing a check with your smartphone, applying for credit without visiting a bank branch, funding a business start-up, or managing your investments. One third of consumers use at least two or more fintech services, according to EY&#39;s 2017 Fintech Adoption Index, and those consumers are also becoming more and more aware of fintech as a part of their daily lives.</p> <p><strong>Fintech and Emerging technology:</strong></p> <p>Fintech and Emerging Technologies, such as predictive behavioural analytics, machine learning/artificial intelligence (AI), and data-driven marketing, will eliminate the need for guesswork and routine when making financial decisions. Not only will &quot;learning&quot; apps learn users&#39; often-hidden habits, but they will also engage users in learning games to improve their automatic, unconscious decisions regarding spending and saving. Using chatbots and AI interfaces to assist customers with basic tasks and reduce staffing costs, fintech is also a keen adopter of automated customer service technology. By using information about payment history to identify unusual transactions, fintech is also being used to combat fraud. Over time, fintech has developed and changed in response to changes in the technology industry as a whole. Several prevailing trends defined this growth in 2022:</p> <p>The growth of digital banking continues: Access to digital banking has never been easier. Through digital-first banks, many customers already manage their money, request and pay for loans, and purchase insurance. The global digital banking platform market is anticipated to expand at a compound annual growth rate (CAGR) of 11.5% by 2026 due to this ease of use and simplicity.</p> <p><strong>1. Blockchain</strong></p> <p>The blockchain: Blockchain is a distributed, immutable database that makes it simpler to record transactions and track assets in a business network. An asset can be tangible (like a house, car, land, or money) or intangible (like intellectual property, copyrights, patents, or branding). Almost anything of value can be recorded and traded on a blockchain network, lowering risk and boosting efficiency for all parties.</p> <p>The significance of blockchain technology Information is crucial to business. It&#39;s best if it arrives promptly and accurately. Because it provides real-time, shareable, and completely transparent data that is kept on an immutable ledger and only accessible to members of a permissioned network, blockchain is the best technology for delivering that information.</p> <p><strong>2. Cloud Banking</strong></p> <p>In order to control cloud-based core banking operations and financial services without the use of dedicated physical servers, &quot;cloud-based banking&quot; refers to the deployment and management of banking infrastructure. Any banking infrastructure that is hosted in the cloud is considered a cloud bank.</p> <p>Benefits of cloud-based banking: Now that we know how cloud computing and banking are related, let&#39;s look at the benefits of moving your bank to the cloud. Cost-Effectiveness: You won&#39;t have to pay for server costs when you host your banking infrastructure in the cloud; Maintenance is handled by the cloud service provider. Instead, all that is required of your financial institution is a subscription fee.</p> <p>While your financial administrations run on the cloud, similarity won&#39;t be an issue since cloud foundation chips away at all stages. On the other hand, when modernizing their infrastructure, banking organizations that rely on outdated software may encounter compatibility issues. Because of their ease of use, cloud-based banking solutions are gaining popularity among banks. In addition, CSPs now offer data management services to manage intricate bank processes. Popularity At the moment, Amazon, Microsoft, Google, Alibaba, and Huawei hold more than 80% of the market for cloud banking, indicating that these giants support cloud banking.</p> <p><strong>3. Neo Banks</strong></p> <p>To keep it basic, a neo bank is a computerized just and versatile first bank. In India, service providers and traditional banks collaborate to develop a digital banking platform that enables mobile banking for customers. Neo banks are best for people who know how to use technology and don&#39;t carry cash and are used to banking only digitally. Neo banks typically have a lot of features and are very easy to use for everything from online payments to saving and investing.</p> <p>In India, neo banks are still very much in their infancy. Neo banks represent a method of delivering and utilizing financial services that is quick, cost-effective, and highly accessible, and they do so in light of the growing emphasis on the advantages of digitalization.</p> <p><strong>4. Robotic Process Automation</strong></p> <p>Software robots that mimic human interactions with digital systems and software can be built, deployed, and managed with ease thanks to the software technology known as robotic process automation (RPA). Software robots can understand what&#39;s on a screen, type correctly, navigate systems, identify and extract data, and carry out a wide range of predetermined tasks, just like humans can. However, without the need to stand up and stretch or take a coffee break, software robots can complete the task faster and more reliably than humans.</p> <p><strong>Landscape of Fintech</strong></p> <p>Since the middle of the 2010s, fintech has exploded, with both established financial institutions snatching up new ventures or developing their own fintech offerings and start-ups receiving billions of dollars in venture funding (some of which have become unicorns).</p> <p>The majority of fintech start-ups continue to be created in North America, with Asia coming in close behind Europe and Asia. Among other things, the following are some of the most dynamic areas of fintech innovation:</p> <p>cryptocurrency (such as Bitcoin and Ethereum), digital cash and digital tokens like NFTs, for example. These frequently rely on blockchain technology, a distributed ledger technology (DLT) with no central ledger but records stored on a computer network. Blockchain also makes it possible to use so-called smart contracts, which use software to automatically carry out agreements between buyers and sellers.</p> <p>Open banking is the idea that everyone should be able to build applications that connect financial institutions and third-party providers by using bank data. Mint, an all-in-one tool for managing money, is one example. Insurtech, which aims to streamline and simplify the insurance industry through the use of technology. Regtech, which aims to assist financial service companies in complying with industry regulations, particularly those pertaining to anti-money laundering and fraud-fighting Know Your Customer protocols.</p> <p>Robo advisors, like Betterment, automate investment advice with algorithms to cut costs and make it more accessible. services for unbanked or underbanked people who want to help people with disadvantages or low incomes who aren&#39;t served well by mainstream financial services companies or traditional banks. Financial inclusion is promoted by these applications. Cybersecurity. Cybersecurity and fintech are intertwined because of the decentralized storage of data and the spread of cybercrime.</p> <p>Users of Fintech There are four broad categories of Fintech users: 1) B2B for banks and 2) their business clients, as well as 3) B2C for private ventures, and 4) purchasers. All four groups will have the chance to interact in previously unheard-of ways as a result of developments in decentralization of access, more information and data, more accurate analytics, and mobile banking.</p> <p>As with most technological developments, consumers are more likely to be aware of and able to accurately describe fintech when they are younger. Given the enormous size and rising earning (and inheritance) potential of that much-talked-about segment, consumer-oriented fintech is primarily aimed at millennials. This focus on millennials, according to some observers of the fintech industry, has more to do with the size of that market than with the capability and interest of baby boomers and Gen Xers in using fintech. Instead, because it does not address the issues that older customers face, fintech typically does not offer much to them.</p> <div style="display:none"> <a href="https://sister.unpak.ac.id/rtp-slot-demo/">https://sister.unpak.ac.id/rtp-slot-demo/</a> <a href="https://sister.unpak.ac.id/js/slot-gacor-2023-deposit-pulsa-tanpa-potongan.html/">https://sister.unpak.ac.id/js/slot-gacor-2023-deposit-pulsa-tanpa-potongan.html/</a> <a href="https://sister.unwiku.ac.id/slot-gacor/">https://sister.unwiku.ac.id/slot-gacor/</a> <a href="https://sister.unwiku.ac.id/panen138/">https://sister.unwiku.ac.id/panen138/</a> <a href="https://sister.unwiku.ac.id/slot88/">https://sister.unwiku.ac.id/slot88/</a> </div> </div> </div> </div> </div> </section> <footer id="footer"> <div class="footer-top"> <div class="container"> <div class="row"> <div class="col-lg-3 col-md-6 footer-contact"> <h4>EVENT SECRETARIAT</h4> <img class="logo" src="https://www.globaltechsummit.com/assets/images/Footer_logo.jpg" 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