{"id":450496,"date":"2026-09-25T15:37:06","date_gmt":"2026-09-25T15:37:06","guid":{"rendered":"https:\/\/diariodigitalrd.com\/?p=720641"},"modified":"2026-09-25T15:37:06","modified_gmt":"2026-09-25T15:37:06","slug":"bancos-multiples-elevan-44-sus-puntos-de-acceso-fisico-en-ocho-anos","status":"publish","type":"post","link":"https:\/\/sarmiento24h.com\/?p=450496","title":{"rendered":"Bancos m\u00faltiples elevan 44% sus puntos de acceso f\u00edsico en ocho a\u00f1os"},"content":{"rendered":"

Cajeros y subagentes impulsan la expansi\u00f3n territorial de los servicios bancarios<\/strong><\/p>\n

Los bancos m\u00faltiples aumentaron en 44% sus puntos de acceso f\u00edsico entre 2015 y 2023, al pasar de 4,704 a 6,777 establecimientos y terminales, impulsados principalmente por el crecimiento de los cajeros autom\u00e1ticos y los subagentes bancarios, inform\u00f3 la Asociaci\u00f3n de Bancos M\u00faltiples de la Rep\u00fablica Dominicana (ABA)<\/strong>.<\/p>\n

El informe elaborado por la Direcci\u00f3n T\u00e9cnica de la ABA<\/strong> se\u00f1ala que esta expansi\u00f3n se produjo en paralelo con un proceso sostenido de digitalizaci\u00f3n, que permite a los usuarios acceder a una amplia variedad de servicios financieros desde cualquier lugar y durante las 24 horas.<\/p>\n

Al cierre de 2023, los bancos m\u00faltiples dispon\u00edan de 885 sucursales, 3,322 cajeros autom\u00e1ticos y 2,570 afiliaciones de subagentes bancarios.<\/p>\n

Cajeros mantienen liderazgo entre canales f\u00edsicos<\/h3>\n

Los cajeros autom\u00e1ticos continuaron como el principal canal f\u00edsico de los bancos m\u00faltiples en t\u00e9rminos num\u00e9ricos. Su cantidad pas\u00f3 de 2,444 en 2015 a 3,322 en 2023, para un aumento de 878 unidades.<\/p>\n

La expansi\u00f3n continu\u00f3 posteriormente y, a junio de 2026, la red alcanz\u00f3 alrededor de 3,603 cajeros autom\u00e1ticos distribuidos en todo el territorio nacional.<\/p>\n

La ABA<\/strong> destaca que la cobertura de estos dispositivos adquiere mayor alcance porque una misma terminal puede facilitar transacciones de clientes de distintas entidades de intermediaci\u00f3n financiera mediante las redes interbancarias.<\/p>\n

Los subagentes bancarios tambi\u00e9n registraron un crecimiento significativo. Las afiliaciones aumentaron de 1,333 en 2015 a 2,570 en 2023, para un incremento de 1,237.<\/p>\n

El informe resalta que el impacto de este canal no solo se refleja en su crecimiento num\u00e9rico, sino tambi\u00e9n en su distribuci\u00f3n regional, debido a que estos establecimientos comerciales funcionan como extensiones de las entidades bancarias y permiten acercar servicios a comunidades alejadas de las sucursales.<\/p>\n

\"Cajeros<\/figure>\n

Sur y Este ganan espacio con subagentes<\/h3>\n

En 2015, cuando los subagentes comenzaban a desarrollarse, la Zona Metropolitana y la regi\u00f3n Norte concentraban cada una el 37% de estos establecimientos. El Sur representaba el 14.11% y el Este el 11.32%.<\/p>\n

En la medici\u00f3n m\u00e1s reciente disponible, correspondiente a junio de 2026, la participaci\u00f3n del Sur aument\u00f3 a 23.01% y la del Este a 14.21%. Mientras tanto, la Zona Metropolitana represent\u00f3 el 32.68% y la regi\u00f3n Norte el 30.10%.<\/p>\n

Para la ABA<\/strong>, estos datos reflejan una mayor participaci\u00f3n de los subagentes en las regiones Sur y Este, ampliando el alcance de los servicios financieros fuera de las \u00e1reas donde tradicionalmente se concentraba la infraestructura bancaria.<\/p>\n

En contraste, las sucursales disminuyeron de 927 en 2015 a 885 en 2023, una reducci\u00f3n de 42 oficinas, equivalente al 4.5%. Seg\u00fan el an\u00e1lisis, este comportamiento responde a la combinaci\u00f3n de entidades que salieron del mercado, bancos que redujeron sus oficinas y otros que las incrementaron seg\u00fan las condiciones de cada demarcaci\u00f3n.<\/p>\n

Las sucursales contin\u00faan siendo relevantes para operaciones que requieren interacci\u00f3n directa, como dep\u00f3sitos, retiros, pagos, operaciones de caja y gesti\u00f3n de productos financieros, incluidos pr\u00e9stamos y cuentas. Sin embargo, representan mayores costos de funcionamiento por requerir establecimientos f\u00edsicos, personal, seguridad e infraestructura.<\/p>\n

La ABA<\/strong> se\u00f1ala que, mientras las sucursales disminuyen y los cajeros mantienen una concentraci\u00f3n regional relativamente estable, los subagentes presentan una expansi\u00f3n m\u00e1s din\u00e1mica, especialmente hacia el Sur y el Este.<\/p>\n

El gremio considera que la evoluci\u00f3n futura de estos canales depender\u00e1 de la forma en que la digitalizaci\u00f3n sustituya o complemente la atenci\u00f3n presencial y de la capacidad de los puntos f\u00edsicos para continuar llegando a las zonas donde el acceso financiero es m\u00e1s limitado.<\/p>\n","protected":false},"excerpt":{"rendered":"

Cajeros y subagentes impulsan la expansi\u00f3n territorial...<\/p>\n","protected":false},"author":1,"featured_media":450497,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[60],"tags":[],"class_list":["post-450496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economicas"],"yoast_head":"\nBancos m\u00faltiples elevan 44% sus puntos de acceso f\u00edsico en ocho a\u00f1os - Sarmiento24h<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sarmiento24h.com\/?p=450496\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bancos m\u00faltiples elevan 44% sus puntos de acceso f\u00edsico en ocho a\u00f1os - Sarmiento24h\" \/>\n<meta property=\"og:description\" content=\"Cajeros y subagentes impulsan la expansi\u00f3n territorial...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/sarmiento24h.com\/?p=450496\" \/>\n<meta property=\"og:site_name\" content=\"Sarmiento24h\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/s24hnoticias\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-25T15:37:06+00:00\" \/>\n<meta name=\"author\" content=\"sarmiento24h@gmail.com\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@sarmiento24h\" \/>\n<meta name=\"twitter:site\" content=\"@sarmiento24h\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"sarmiento24h@gmail.com\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/?p=450496#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/?p=450496\"},\"author\":{\"name\":\"sarmiento24h@gmail.com\",\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/#\\\/schema\\\/person\\\/d653a59725ad629a7e0429af7b939d4d\"},\"headline\":\"Bancos m\u00faltiples elevan 44% sus puntos de acceso f\u00edsico en ocho a\u00f1os\",\"datePublished\":\"2026-09-25T15:37:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/?p=450496\"},\"wordCount\":604,\"publisher\":{\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/?p=450496#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/sarmiento24h.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/bancos-multiples-elevan-44-sus-puntos-de-acceso-fisico-en-ocho-anos.jpg\",\"articleSection\":[\"Economicas\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/?p=450496\",\"url\":\"https:\\\/\\\/sarmiento24h.com\\\/?p=450496\",\"name\":\"Bancos m\u00faltiples elevan 44% sus puntos de acceso f\u00edsico en ocho a\u00f1os - Sarmiento24h\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/?p=450496#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/?p=450496#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/sarmiento24h.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/bancos-multiples-elevan-44-sus-puntos-de-acceso-fisico-en-ocho-anos.jpg\",\"datePublished\":\"2026-09-25T15:37:06+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/?p=450496#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/sarmiento24h.com\\\/?p=450496\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/?p=450496#primaryimage\",\"url\":\"https:\\\/\\\/sarmiento24h.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/bancos-multiples-elevan-44-sus-puntos-de-acceso-fisico-en-ocho-anos.jpg\",\"contentUrl\":\"https:\\\/\\\/sarmiento24h.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/bancos-multiples-elevan-44-sus-puntos-de-acceso-fisico-en-ocho-anos.jpg\",\"width\":1024,\"height\":576},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/?p=450496#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/sarmiento24h.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bancos m\u00faltiples elevan 44% sus puntos de acceso f\u00edsico en ocho a\u00f1os\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/#website\",\"url\":\"https:\\\/\\\/sarmiento24h.com\\\/\",\"name\":\"Sarmiento24h\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/sarmiento24h.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/#organization\",\"name\":\"Sarmiento24h\",\"url\":\"https:\\\/\\\/sarmiento24h.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/sarmiento24h.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/AddText_12-16-10.30.52.jpg\",\"contentUrl\":\"https:\\\/\\\/sarmiento24h.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/AddText_12-16-10.30.52.jpg\",\"width\":1220,\"height\":324,\"caption\":\"Sarmiento24h\"},\"image\":{\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/facebook.com\\\/s24hnoticias\",\"https:\\\/\\\/x.com\\\/sarmiento24h\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/#\\\/schema\\\/person\\\/d653a59725ad629a7e0429af7b939d4d\",\"name\":\"sarmiento24h@gmail.com\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/sarmiento24h.com\\\/wp-content\\\/litespeed\\\/avatar\\\/d02cbc4e23c747e6659cd45907173c8f.jpg?ver=1789862313\",\"url\":\"https:\\\/\\\/sarmiento24h.com\\\/wp-content\\\/litespeed\\\/avatar\\\/d02cbc4e23c747e6659cd45907173c8f.jpg?ver=1789862313\",\"contentUrl\":\"https:\\\/\\\/sarmiento24h.com\\\/wp-content\\\/litespeed\\\/avatar\\\/d02cbc4e23c747e6659cd45907173c8f.jpg?ver=1789862313\",\"caption\":\"sarmiento24h@gmail.com\"},\"sameAs\":[\"https:\\\/\\\/sarmiento24h.com\"],\"url\":\"https:\\\/\\\/sarmiento24h.com\\\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Bancos m\u00faltiples elevan 44% sus puntos de acceso f\u00edsico en ocho a\u00f1os - Sarmiento24h","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/sarmiento24h.com\/?p=450496","og_locale":"es_ES","og_type":"article","og_title":"Bancos m\u00faltiples elevan 44% sus puntos de acceso f\u00edsico en ocho a\u00f1os - Sarmiento24h","og_description":"Cajeros y subagentes impulsan la expansi\u00f3n territorial...","og_url":"https:\/\/sarmiento24h.com\/?p=450496","og_site_name":"Sarmiento24h","article_publisher":"https:\/\/facebook.com\/s24hnoticias","article_published_time":"2026-09-25T15:37:06+00:00","author":"sarmiento24h@gmail.com","twitter_card":"summary_large_image","twitter_creator":"@sarmiento24h","twitter_site":"@sarmiento24h","twitter_misc":{"Escrito por":"sarmiento24h@gmail.com","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/sarmiento24h.com\/?p=450496#article","isPartOf":{"@id":"https:\/\/sarmiento24h.com\/?p=450496"},"author":{"name":"sarmiento24h@gmail.com","@id":"https:\/\/sarmiento24h.com\/#\/schema\/person\/d653a59725ad629a7e0429af7b939d4d"},"headline":"Bancos m\u00faltiples elevan 44% sus puntos de acceso f\u00edsico en ocho a\u00f1os","datePublished":"2026-09-25T15:37:06+00:00","mainEntityOfPage":{"@id":"https:\/\/sarmiento24h.com\/?p=450496"},"wordCount":604,"publisher":{"@id":"https:\/\/sarmiento24h.com\/#organization"},"image":{"@id":"https:\/\/sarmiento24h.com\/?p=450496#primaryimage"},"thumbnailUrl":"https:\/\/sarmiento24h.com\/wp-content\/uploads\/2026\/09\/bancos-multiples-elevan-44-sus-puntos-de-acceso-fisico-en-ocho-anos.jpg","articleSection":["Economicas"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/sarmiento24h.com\/?p=450496","url":"https:\/\/sarmiento24h.com\/?p=450496","name":"Bancos m\u00faltiples elevan 44% sus puntos de acceso f\u00edsico en ocho a\u00f1os - Sarmiento24h","isPartOf":{"@id":"https:\/\/sarmiento24h.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/sarmiento24h.com\/?p=450496#primaryimage"},"image":{"@id":"https:\/\/sarmiento24h.com\/?p=450496#primaryimage"},"thumbnailUrl":"https:\/\/sarmiento24h.com\/wp-content\/uploads\/2026\/09\/bancos-multiples-elevan-44-sus-puntos-de-acceso-fisico-en-ocho-anos.jpg","datePublished":"2026-09-25T15:37:06+00:00","breadcrumb":{"@id":"https:\/\/sarmiento24h.com\/?p=450496#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/sarmiento24h.com\/?p=450496"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/sarmiento24h.com\/?p=450496#primaryimage","url":"https:\/\/sarmiento24h.com\/wp-content\/uploads\/2026\/09\/bancos-multiples-elevan-44-sus-puntos-de-acceso-fisico-en-ocho-anos.jpg","contentUrl":"https:\/\/sarmiento24h.com\/wp-content\/uploads\/2026\/09\/bancos-multiples-elevan-44-sus-puntos-de-acceso-fisico-en-ocho-anos.jpg","width":1024,"height":576},{"@type":"BreadcrumbList","@id":"https:\/\/sarmiento24h.com\/?p=450496#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/sarmiento24h.com\/"},{"@type":"ListItem","position":2,"name":"Bancos m\u00faltiples elevan 44% sus puntos de acceso f\u00edsico en ocho a\u00f1os"}]},{"@type":"WebSite","@id":"https:\/\/sarmiento24h.com\/#website","url":"https:\/\/sarmiento24h.com\/","name":"Sarmiento24h","description":"","publisher":{"@id":"https:\/\/sarmiento24h.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/sarmiento24h.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/sarmiento24h.com\/#organization","name":"Sarmiento24h","url":"https:\/\/sarmiento24h.com\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/sarmiento24h.com\/#\/schema\/logo\/image\/","url":"https:\/\/sarmiento24h.com\/wp-content\/uploads\/2025\/12\/AddText_12-16-10.30.52.jpg","contentUrl":"https:\/\/sarmiento24h.com\/wp-content\/uploads\/2025\/12\/AddText_12-16-10.30.52.jpg","width":1220,"height":324,"caption":"Sarmiento24h"},"image":{"@id":"https:\/\/sarmiento24h.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/s24hnoticias","https:\/\/x.com\/sarmiento24h"]},{"@type":"Person","@id":"https:\/\/sarmiento24h.com\/#\/schema\/person\/d653a59725ad629a7e0429af7b939d4d","name":"sarmiento24h@gmail.com","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/sarmiento24h.com\/wp-content\/litespeed\/avatar\/d02cbc4e23c747e6659cd45907173c8f.jpg?ver=1789862313","url":"https:\/\/sarmiento24h.com\/wp-content\/litespeed\/avatar\/d02cbc4e23c747e6659cd45907173c8f.jpg?ver=1789862313","contentUrl":"https:\/\/sarmiento24h.com\/wp-content\/litespeed\/avatar\/d02cbc4e23c747e6659cd45907173c8f.jpg?ver=1789862313","caption":"sarmiento24h@gmail.com"},"sameAs":["https:\/\/sarmiento24h.com"],"url":"https:\/\/sarmiento24h.com\/?author=1"}]}},"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/sarmiento24h.com\/wp-content\/uploads\/2026\/09\/bancos-multiples-elevan-44-sus-puntos-de-acceso-fisico-en-ocho-anos.jpg","_links":{"self":[{"href":"https:\/\/sarmiento24h.com\/index.php?rest_route=\/wp\/v2\/posts\/450496","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sarmiento24h.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sarmiento24h.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sarmiento24h.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sarmiento24h.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=450496"}],"version-history":[{"count":0,"href":"https:\/\/sarmiento24h.com\/index.php?rest_route=\/wp\/v2\/posts\/450496\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sarmiento24h.com\/index.php?rest_route=\/wp\/v2\/media\/450497"}],"wp:attachment":[{"href":"https:\/\/sarmiento24h.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=450496"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sarmiento24h.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=450496"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sarmiento24h.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=450496"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}