{"id":"https://openalex.org/W3023802190","doi":"https://doi.org/10.32983/2222-0712-2020-1-275-282","title":"Prospects and Risks of the Fintech Initiatives in a Global Banking Industry","display_name":"Prospects and Risks of the Fintech Initiatives in a Global Banking Industry","publication_year":2020,"publication_date":"2020-01-01","ids":{"openalex":"https://openalex.org/W3023802190","doi":"https://doi.org/10.32983/2222-0712-2020-1-275-282","mag":"3023802190"},"language":"en","primary_location":{"id":"doi:10.32983/2222-0712-2020-1-275-282","doi":"https://doi.org/10.32983/2222-0712-2020-1-275-282","is_oa":true,"landing_page_url":"https://doi.org/10.32983/2222-0712-2020-1-275-282","pdf_url":"https://doi.org/10.32983/2222-0712-2020-1-275-282","source":{"id":"https://openalex.org/S2764378167","display_name":"THE PROBLEMS OF ECONOMY","issn_l":"2222-0712","issn":["2222-0712","2311-1186"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310322260","host_organization_name":"PH \"INZHEK\"","host_organization_lineage":["https://openalex.org/P4310322260"],"host_organization_lineage_names":["PH \"INZHEK\""],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"The Problems of Economy","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.32983/2222-0712-2020-1-275-282","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5085272431","display_name":"Larysa Ya. Sloboda","orcid":"https://orcid.org/0000-0002-8953-9111","observed_orcids":["https://orcid.org/0000-0002-8953-9111"]},"institutions":[{"id":"https://openalex.org/I4387156416","display_name":"Lviv University of Business and Law","ror":"https://ror.org/05x83ep82","country_code":"UA","type":"education","lineage":["https://openalex.org/I4387156416"]}],"countries":["UA"],"is_corresponding":false,"raw_author_name":"L. Y. Sloboda","raw_affiliation_strings":["\u0411\u0435\u043d\u043a\u0441 \u0444\u043e\u0440 \u0418\u043d\u0441\u0442\u0438\u0442\u044e\u0448\u0438\u043d\u0437 \u042e\u0410\u00bb (\u0443\u043b. \u0420\u0443\u0434\u0430\u043d\u0441\u043a\u043e\u0433\u043e, 1, \u041b\u044c\u0432\u043e\u0432, 79000, \u0423\u043a\u0440\u0430\u0438\u043d\u0430","Banking Department, LLC Banks for Institutions UA (1 Rudanskiy Str., Lv\u0456v, 79000, Ukraine","Candidate of Sciences (Economics), Associate Professor,","Department of Finance, Banking and Insurance, Lviv Educational-Scientific Institute of the University of Banking (9 T. Shevchenka Ave., Lv\u0456v, 79019, Ukraine","\u041b\u044c\u0432\u043e\u0432\u0441\u043a\u0438\u0439 \u0443\u0447\u0435\u0431\u043d\u043e-\u043d\u0430\u0443\u0447\u043d\u044b\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442 \u0413\u0412\u0423\u0417 \u00ab\u0423\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0434\u0435\u043b\u0430\u00bb (\u0443\u043b. \u0412\u044f\u0447\u0435\u0441\u043b\u0430\u0432\u0430 \u0427\u0435\u0440\u043d\u043e\u0432\u043e\u043b\u0430, 61, \u041b\u044c\u0432\u043e\u0432, 79019, \u0423\u043a\u0440\u0430\u0438\u043d\u0430"],"raw_orcid":"https://orcid.org/0000-0002-8953-9111","affiliations":[{"raw_affiliation_string":"\u0411\u0435\u043d\u043a\u0441 \u0444\u043e\u0440 \u0418\u043d\u0441\u0442\u0438\u0442\u044e\u0448\u0438\u043d\u0437 \u042e\u0410\u00bb (\u0443\u043b. \u0420\u0443\u0434\u0430\u043d\u0441\u043a\u043e\u0433\u043e, 1, \u041b\u044c\u0432\u043e\u0432, 79000, \u0423\u043a\u0440\u0430\u0438\u043d\u0430","institution_ids":[]},{"raw_affiliation_string":"Banking Department, LLC Banks for Institutions UA (1 Rudanskiy Str., Lv\u0456v, 79000, Ukraine","institution_ids":[]},{"raw_affiliation_string":"Candidate of Sciences (Economics), Associate Professor,","institution_ids":[]},{"raw_affiliation_string":"Department of Finance, Banking and Insurance, Lviv Educational-Scientific Institute of the University of Banking (9 T. Shevchenka Ave., Lv\u0456v, 79019, Ukraine","institution_ids":[]},{"raw_affiliation_string":"\u041b\u044c\u0432\u043e\u0432\u0441\u043a\u0438\u0439 \u0443\u0447\u0435\u0431\u043d\u043e-\u043d\u0430\u0443\u0447\u043d\u044b\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442 \u0413\u0412\u0423\u0417 \u00ab\u0423\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0434\u0435\u043b\u0430\u00bb (\u0443\u043b. \u0412\u044f\u0447\u0435\u0441\u043b\u0430\u0432\u0430 \u0427\u0435\u0440\u043d\u043e\u0432\u043e\u043b\u0430, 61, \u041b\u044c\u0432\u043e\u0432, 79019, \u0423\u043a\u0440\u0430\u0438\u043d\u0430","institution_ids":["https://openalex.org/I4387156416"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5007127170","display_name":"O. M. Demianyk","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4387156416","display_name":"Lviv University of Business and Law","ror":"https://ror.org/05x83ep82","country_code":"UA","type":"education","lineage":["https://openalex.org/I4387156416"]}],"countries":["UA"],"is_corresponding":false,"raw_author_name":"O. M. Demianyk","raw_affiliation_strings":["\u0411\u0435\u043d\u043a\u0441 \u0444\u043e\u0440 \u0418\u043d\u0441\u0442\u0438\u0442\u044e\u0448\u0438\u043d\u0437 \u042e\u0410\u00bb (\u0443\u043b. \u0420\u0443\u0434\u0430\u043d\u0441\u043a\u043e\u0433\u043e, 1, \u041b\u044c\u0432\u043e\u0432, 79000, \u0423\u043a\u0440\u0430\u0438\u043d\u0430","Banking Department, LLC Banks for Institutions UA (1 Rudanskiy Str., Lv\u0456v, 79000, Ukraine","Candidate of Sciences (Economics), Associate Professor,","Department of Finance, Banking and Insurance, Lviv Educational-Scientific Institute of the University of Banking (9 T. Shevchenka Ave., Lv\u0456v, 79019, Ukraine","\u041b\u044c\u0432\u043e\u0432\u0441\u043a\u0438\u0439 \u0443\u0447\u0435\u0431\u043d\u043e-\u043d\u0430\u0443\u0447\u043d\u044b\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442 \u0413\u0412\u0423\u0417 \u00ab\u0423\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0434\u0435\u043b\u0430\u00bb (\u0443\u043b. \u0412\u044f\u0447\u0435\u0441\u043b\u0430\u0432\u0430 \u0427\u0435\u0440\u043d\u043e\u0432\u043e\u043b\u0430, 61, \u041b\u044c\u0432\u043e\u0432, 79019, \u0423\u043a\u0440\u0430\u0438\u043d\u0430"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"\u0411\u0435\u043d\u043a\u0441 \u0444\u043e\u0440 \u0418\u043d\u0441\u0442\u0438\u0442\u044e\u0448\u0438\u043d\u0437 \u042e\u0410\u00bb (\u0443\u043b. \u0420\u0443\u0434\u0430\u043d\u0441\u043a\u043e\u0433\u043e, 1, \u041b\u044c\u0432\u043e\u0432, 79000, \u0423\u043a\u0440\u0430\u0438\u043d\u0430","institution_ids":[]},{"raw_affiliation_string":"Banking Department, LLC Banks for Institutions UA (1 Rudanskiy Str., Lv\u0456v, 79000, Ukraine","institution_ids":[]},{"raw_affiliation_string":"Candidate of Sciences (Economics), Associate Professor,","institution_ids":[]},{"raw_affiliation_string":"Department of Finance, Banking and Insurance, Lviv Educational-Scientific Institute of the University of Banking (9 T. Shevchenka Ave., Lv\u0456v, 79019, Ukraine","institution_ids":[]},{"raw_affiliation_string":"\u041b\u044c\u0432\u043e\u0432\u0441\u043a\u0438\u0439 \u0443\u0447\u0435\u0431\u043d\u043e-\u043d\u0430\u0443\u0447\u043d\u044b\u0439 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442 \u0413\u0412\u0423\u0417 \u00ab\u0423\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0434\u0435\u043b\u0430\u00bb (\u0443\u043b. \u0412\u044f\u0447\u0435\u0441\u043b\u0430\u0432\u0430 \u0427\u0435\u0440\u043d\u043e\u0432\u043e\u043b\u0430, 61, \u041b\u044c\u0432\u043e\u0432, 79019, \u0423\u043a\u0440\u0430\u0438\u043d\u0430","institution_ids":["https://openalex.org/I4387156416"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4387156416"],"apc_list":{"value":1500,"currency":"UAH","value_usd":null},"apc_paid":null,"fwci":4.0645,"has_fulltext":true,"cited_by_count":30,"citation_normalized_percentile":{"value":0.93566404,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":99},"biblio":{"volume":"1","issue":"43","first_page":"275","last_page":"282"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.6309000253677368,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.6309000253677368,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.3684000074863434,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.9850000143051147},{"id":"https://openalex.org/keywords/bank-fintech-cooperation","display_name":"bank-fintech cooperation","score":0.7919999957084656},{"id":"https://openalex.org/keywords/banking-innovation","display_name":"banking innovation","score":0.550000011920929},{"id":"https://openalex.org/keywords/digital-banking","display_name":"digital banking","score":0.5149999856948853},{"id":"https://openalex.org/keywords/fintech-risks","display_name":"fintech risks","score":0.6700000166893005},{"id":"https://openalex.org/keywords/fintech-regulation","display_name":"fintech regulation","score":0.8370000123977661},{"id":"https://openalex.org/keywords/financial-risk-management","display_name":"financial risk management","score":0.4970000088214874},{"id":"https://openalex.org/keywords/bank-business-models","display_name":"bank business models","score":0.47699999809265137}],"concepts":[{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.6890077590942383},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6536322832107544},{"id":"https://openalex.org/C71750763","wikidata":"https://www.wikidata.org/wiki/Q646164","display_name":"General partnership","level":2,"score":0.6240872740745544},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.5597739815711975},{"id":"https://openalex.org/C2780598303","wikidata":"https://www.wikidata.org/wiki/Q65921492","display_name":"Flexibility (engineering)","level":2,"score":0.4854434132575989},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4818069338798523},{"id":"https://openalex.org/C2779530757","wikidata":"https://www.wikidata.org/wiki/Q1207505","display_name":"Quality (philosophy)","level":2,"score":0.46046754717826843},{"id":"https://openalex.org/C2777064627","wikidata":"https://www.wikidata.org/wiki/Q3151423","display_name":"Financial innovation","level":2,"score":0.41758155822753906},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.3300377130508423},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.24332714080810547},{"id":"https://openalex.org/C187736073","wikidata":"https://www.wikidata.org/wiki/Q2920921","display_name":"Management","level":1,"score":0.0},{"id":"https://openalex.org/C111472728","wikidata":"https://www.wikidata.org/wiki/Q9471","display_name":"Epistemology","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.32983/2222-0712-2020-1-275-282","doi":"https://doi.org/10.32983/2222-0712-2020-1-275-282","is_oa":true,"landing_page_url":"https://doi.org/10.32983/2222-0712-2020-1-275-282","pdf_url":"https://doi.org/10.32983/2222-0712-2020-1-275-282","source":{"id":"https://openalex.org/S2764378167","display_name":"THE PROBLEMS OF ECONOMY","issn_l":"2222-0712","issn":["2222-0712","2311-1186"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310322260","host_organization_name":"PH \"INZHEK\"","host_organization_lineage":["https://openalex.org/P4310322260"],"host_organization_lineage_names":["PH \"INZHEK\""],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"The Problems of Economy","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:80d2d52a21524d4a823eca42d8b2c4c5","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/80d2d52a21524d4a823eca42d8b2c4c5","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Problemi Ekonomiki, Vol 1, Iss 43, Pp 275-282 (2020)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.32983/2222-0712-2020-1-275-282","doi":"https://doi.org/10.32983/2222-0712-2020-1-275-282","is_oa":true,"landing_page_url":"https://doi.org/10.32983/2222-0712-2020-1-275-282","pdf_url":"https://doi.org/10.32983/2222-0712-2020-1-275-282","source":{"id":"https://openalex.org/S2764378167","display_name":"THE PROBLEMS OF ECONOMY","issn_l":"2222-0712","issn":["2222-0712","2311-1186"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310322260","host_organization_name":"PH \"INZHEK\"","host_organization_lineage":["https://openalex.org/P4310322260"],"host_organization_lineage_names":["PH \"INZHEK\""],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"The Problems of Economy","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/17","display_name":"Partnerships for the goals","score":0.75},{"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure","score":0.651199996471405}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3023802190.pdf","grobid_xml":"https://content.openalex.org/works/W3023802190.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4285546677","https://openalex.org/W7201369113","https://openalex.org/W4237231632","https://openalex.org/W2548853445","https://openalex.org/W7160265757","https://openalex.org/W7198504778","https://openalex.org/W3047514430","https://openalex.org/W4285137160","https://openalex.org/W4313023789","https://openalex.org/W3217230609"],"abstract_inverted_index":{"Prospects":[0],"and":[1,23,34,67,96,118,130,135,149,174,181,212,230,249,256,266,288,304,321,353],"Risks":[2],"of":[3,13,40,46,65,74,77,88,137,145,152,157,164,170,176,187,196,240,271,277,294,310,340,350,359,362],"the":[4,14,19,37,47,51,63,71,75,85,92,104,122,126,133,142,150,168,171,188,193,208,221,238,253,259,264,281,317,341,347,357],"Fintech":[5],"Initiatives":[6],"in":[7,50,62,70,113,116,139,184,280,297,313,335],"a":[8,59],"Global":[9],"Banking":[10],"IndustryThe":[11],"aim":[12],"study":[15],"is":[16,167,300,344],"to":[17,90,102,214,225,286,301,307,356],"outline":[18],"main":[20,123,143,194],"trends,":[21],"problems,":[22],"risks":[24,257],"that":[25,55],"should":[26],"be":[27],"addressed":[28],"through":[29],"cooperation":[30,178,201,227],"between":[31,128,179,218,228],"fintech":[32,131,140,182,203,231,311,342],"companies":[33,100,183,232,312],"banks":[35,129,180,229,352],"at":[36],"current":[38,48],"stage":[39],"international":[41,160,199,351],"financial":[42,52,68,79,98,242,322],"market":[43,53],"development.The":[44],"analysis":[45,169],"situation":[49],"shows":[54],"innovative":[56],"technologies":[57],"play":[58],"key":[60],"role":[61],"development":[64,339],"banking":[66,117,282],"services":[69,213,243],"world.The":[72,189],"problems":[73],"flexibility":[76],"traditional":[78,274],"institutions":[80],"do":[81],"not":[82],"coincide":[83],"with":[84,202],"ever-growing":[86],"needs":[87],"clients":[89],"receive":[91],"highest":[93,153],"quality,":[94],"cheap":[95],"fast":[97],"services.Technology-driven":[99],"continue":[101],"develop":[103],"digital":[105],"innovation":[106],"field,":[107],"which":[108,235],"has":[109],"generated":[110],"considerable":[111],"interest":[112,154],"its":[114],"implementation":[115,156],"finance.The":[119],"article":[120,166],"describes":[121],"reasons":[124],"for":[125,147,155,198,290],"partnerships":[127],"companies,":[132,204],"motives":[134],"trends":[136],"investing":[138],"development,":[141],"stages":[144,195],"preparation":[146,197],"partnership":[148],"area":[151,299],"innovations":[158,272],"by":[159,273],"banks.An":[161],"applied":[162],"aspect":[163],"this":[165,298],"practical":[172],"experience":[173],"forms":[175,361],"successful":[177],"different":[185,314],"countries":[186,315],"research":[190,296],"results":[191,222],"highlight":[192],"banks'":[200],"as":[205,207,326,328],"well":[206,327],"most":[209],"popular":[210],"products":[211],"enhance":[215],"effective":[216],"integration":[217],"them.Based":[219],"on":[220],"obtained,":[223],"measures":[224],"strengthen":[226],"are":[233],"justified,":[234],"will":[236],"make":[237],"process":[239],"satisfying":[241],"consumers":[244],"more":[245],"rapid,":[246],"simple,":[247],"accessible,":[248],"efficient.The":[250],"authors":[251],"identify":[252],"major":[254],"challenges":[255],"facing":[258],"Ukrainian":[260],"\u0430intech":[261],"market,":[262],"including":[263,319],"legal":[265],"regulatory":[267],"environment,":[268],"slow":[269],"adoption":[270],"banks,":[275],"lack":[276],"open":[278],"APIs":[279],"sector,":[283],"limited":[284],"access":[285],"capital":[287],"financing":[289],"fintechs,":[291],"etc.A":[292],"prospect":[293],"further":[295,338],"substantiate":[302],"common":[303],"distinct":[305],"approaches":[306],"regulating":[308],"activities":[309],"around":[316],"world,":[318],"capitalization":[320],"risk":[323],"management":[324],"requirements,":[325],"KYC":[329],"(Know":[330],"Your":[331],"Customer":[332],"Identification)":[333],"procedures":[334],"customer":[336],"service.The":[337],"industry":[343],"significantly":[345],"transforming":[346],"business":[348],"models":[349],"could":[354],"lead":[355],"replacement":[358],"classic":[360],"banknotes":[363]},"counts_by_year":[{"year":2026,"cited_by_count":2},{"year":2025,"cited_by_count":3},{"year":2024,"cited_by_count":8},{"year":2023,"cited_by_count":6},{"year":2022,"cited_by_count":3},{"year":2021,"cited_by_count":7},{"year":2020,"cited_by_count":1}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2020-05-13T00:00:00"}