@prefix agrovoc: <http://aims.fao.org/aos/agrovoc/> .
@prefix rdf: <http://www.w3.org/1999/02/22-rdf-syntax-ns#> .
@prefix ns0: <http://art.uniroma2.it/ontologies/vocbench#> .
@prefix dc: <http://purl.org/dc/terms/> .
@prefix xsd: <http://www.w3.org/2001/XMLSchema#> .
@prefix skosxl: <http://www.w3.org/2008/05/skos-xl#> .
@prefix void: <http://rdfs.org/ns/void#> .
@prefix skos: <http://www.w3.org/2004/02/skos/core#> .
@prefix owl: <http://www.w3.org/2002/07/owl#> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix ns1: <http://aims.fao.org/aos/agrontology#> .

agrovoc:xDef_9a9dd04b
  rdf:value "Métodos para almacenar y transferir fondos electrónicamente, realizar y recibir pagos, pedir préstamos, ahorrar, asegurar e invertir, gestionar las finanzas personales o empresariales."@es ;
  ns0:hasSource "Colegio Oficial de Ingenieros de Telecommunicación (COIT) / ITU, Spanish language section (2025)" ;
  dc:created "2026-05-05T08:09:38"^^xsd:dateTime .

agrovoc:xDef_a113243d
  rdf:value "Méthodes visant à stocker et à transférer des fonds par voie électronique ; à effectuer et recevoir des paiements ; à emprunter, épargner, assurer et investir ; et à gérer des finances personnelles ou d'entreprise."@fr ;
  ns0:hasSource "ITU, French language section (2025)" ;
  dc:created "2026-05-05T08:09:12"^^xsd:dateTime .

agrovoc:xDef_31681e43
  rdf:value "Methods to electronically store and transfer funds; to make and receive payments; to borrow, save, insure and invest; and to manage personal or business finances."@en ;
  ns0:hasSource "ITU-T SG12, Rec. ITU-T P.1503, Extended methodology for cross-country and inter-operator digital financial services testing - https://www.itu.int/rec/T-REC-P.1503-202303-I/en" ;
  dc:created "2026-05-05T08:08:18"^^xsd:dateTime .

agrovoc:xl_es_a217d2ca
  a skosxl:Label ;
  dc:created "2026-01-13T11:32:19"^^xsd:dateTime ;
  void:inDataset <http://aims.fao.org/aos/agrovoc/void.ttl#Agrovoc> ;
  skos:notation "ae8a5542"^^agrovoc:AgrovocCode ;
  skosxl:literalForm "Servicio financiero digital"@es .

agrovoc:xl_fr_fbd8d2df
  a skosxl:Label ;
  dc:created "2026-01-13T11:26:34"^^xsd:dateTime ;
  void:inDataset <http://aims.fao.org/aos/agrovoc/void.ttl#Agrovoc> ;
  skos:notation "ae8a5542"^^agrovoc:AgrovocCode ;
  skosxl:literalForm "service financier numérique"@fr .

agrovoc:xl_pt_c6d4ba0f
  a skosxl:Label ;
  dc:created "2026-05-26T13:13:59"^^xsd:dateTime ;
  void:inDataset <http://aims.fao.org/aos/agrovoc/void.ttl#Agrovoc> ;
  skos:notation "ae8a5542"^^agrovoc:AgrovocCode ;
  skosxl:literalForm "serviço financeiro digital"@pt .

agrovoc:xl_en_a5817b9d
  a skosxl:Label ;
  dc:created "2026-01-13T11:19:24"^^xsd:dateTime ;
  void:inDataset <http://aims.fao.org/aos/agrovoc/void.ttl#Agrovoc> ;
  skos:notation "ae8a5542"^^agrovoc:AgrovocCode ;
  skosxl:literalForm "digital financial services"@en .

<http://agrotermos.dados.embrapa.br/agrotermos>
  a owl:owOntology, skos:ConceptScheme ;
  skos:prefLabel "Agrotermos"@es, "Agrotermos"@en, "Agrotermos"@pt-BR .

skos:prefLabel rdfs:comment "A resource has no more than one value of skos:prefLabel per language tag."@en .
agrovoc:c_ae8a5542
  a skos:Concept ;
  ns1:hasObjectOfActivity agrovoc:c_b707beca ;
  ns1:makeUseOf agrovoc:c_fed5891d ;
  dc:created "2026-04-22T08:31:52"^^xsd:dateTime ;
  dc:modified "2026-05-28T17:08:26"^^xsd:dateTime ;
  void:inDataset <http://aims.fao.org/aos/agrovoc/void.ttl#Agrovoc> ;
  skos:broader agrovoc:c_d6c4fb00 ;
  skos:definition agrovoc:xDef_9a9dd04b, agrovoc:xDef_31681e43, agrovoc:xDef_a113243d ;
  skos:inScheme <http://agrotermos.dados.embrapa.br/agrotermos> ;
  skos:prefLabel "digital financial services"@en, "serviço financeiro digital"@pt, "service financier numérique"@fr, "Servicio financiero digital"@es ;
  skosxl:prefLabel agrovoc:xl_en_a5817b9d, agrovoc:xl_pt_c6d4ba0f, agrovoc:xl_fr_fbd8d2df, agrovoc:xl_es_a217d2ca .

agrovoc:c_fed5891d
  a skos:Concept ;
  ns1:isUsedIn agrovoc:c_ae8a5542 ;
  skos:prefLabel "tecnologia financeira"@pt, "technologie financière"@fr, "Tecnología financiera"@es, "financial technology"@en .

agrovoc:c_b707beca
  a skos:Concept ;
  ns1:isObjectOfActivity agrovoc:c_ae8a5542 ;
  skos:prefLabel "Finanzas digitales"@es, "digital finance"@en, "finance numérique"@fr .

agrovoc:c_d6c4fb00
  a skos:Concept ;
  skos:narrower agrovoc:c_ae8a5542 ;
  skos:prefLabel "Servicio financiero"@es, "financial services"@en, "service financier"@fr, "serviço financeiro"@pt .