Verified Certificate

Supported by the following organizations

This is to certify that Francisco Xabier Gorichon Karmy successfully completed and received a passing grade in HKU_09x: FinTech Ethics and Risks a course of study offered by HKUx, an online learning initiative of The University of Hong Kong.

Noted by

David L. Bishop

David L. Bishop

Principal Lecturer University of Hong Kong

David S. Lee

David S. Lee

Associate Professor of Teaching University of Hong Kong

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