70349Sustainable Distributed Ledger - Durable Medium RepositoryClosedStudyInnovate UKHave you ever wondered why banks & other financial service providers use printed terms and conditions in branch and send them through the post... The digital delivery of T&C's is heavily regulated, complex and expensive, and in most cases does not meet the strict criteria which results in printed versions being used. While the regulations are designed to protect the consumer, they are failing our planet with an estimated 4.8 billion A4 pages being printed and distributed in the UK alone. Never before have consumers attitude to the preservation of the environment been so front and centre and with online banking penetration in the UK recorded at 73% in 2019 \*, this adoption is not being transferred to account completion and the on-boarding process. In parallel there is increased demand & pressure for banks to lower on-boarding costs and meet sustainability targets. Using the latest hashgraph technology ALT/AVE's solution 'DMR' (Durable medium Repository) will be perfectly positioned to offer an alternative to banks that that is compliant, cheaper, sustainable and digitally safer for us all. \*United Kingdom (Great Britain); Office for National Statistics (UK); 2007 to 2019;