Stanley Epstein

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Associate

Citadel Advantage Group

Member since

09 Oct 2006

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Bio

Stanley is a member and co-founder of Citadel Advantage Group., an international consultancy to the financial services industry that provides specialist services and training in the areas of operations risk mitigation, payments, and liquidity & treasury systems. He operates as SET Training.

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Citadel Advantage Group

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Latest opinions

4 Surprising Ways Global Finance Has Been Remade Since the 2008 Crisis

Introduction: Beyond the Banks When we think of the 2008 Great Financial Crisis, the story that comes to mind is one of failing banks, risky mortgages, and a system brought to its knees by the very institutions meant to be its bedrock. It was, in the popular imagination and in reality, a “banking crisis”. But in the years since, the global financi...

17 October 2025 Futuristic Banking

From Defense to Resilience: Building Cyber Strength in an Era of Relentless Digital Threats

A Strategic Risk Management Framework for Sustaining Trust, Continuity, and Competitive Advantage Introduction: Cyber Risk as the New Business Continuity Challenge In an era where business operations, customer interactions, and supply chains are inseparably tied to digital infrastructure, the boundaries between technology risk and business risk h...

15 October 2025 Operational Risk Management

The Cybercrime Tsunami: How Firms Can Stay Afloat in an Age of Digital Predation

AI-driven attacks, deepfake deception, and escalating ransomware mark a dangerous new era of cybercrime. But with the right strategy, resilience is not only possible—it’s essential. Introduction: Welcome to the New Battleground In today’s hyperconnected world, the frontlines of business are no longer physical—they’re digital. Every transaction, da...

12 October 2025 Operational Risk Management

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Latest comments

Sibos 2023: Can CBDC replace cash?

Will CBDCs replace cash? No!
Cash is anonymous, not dependent on technology or on regulations that limit currency choice.

21 Sep 2023 05:10 Read comment

Banks of the future must maintain human touch

The human touch is vital. However what we have done these past three decades, is that we have surrendered much of potential human ability to technology. The humans left in banking today have been trapped in little isolated pockets, where suposedly they are experts. Compared to thirty years ago these "experts" are no experts at all. They don't really understand the processes, products and practices that they supposedly are experts in.

If this is the type of human touch we are spaking about I am not so sure I want it. Just remember "Little Britian" and "Computer Says No".

22 Mar 2019 14:56 Read comment

Most banks will be made irrelevant by 2030 - Gartner

Really? I think not. Too much is placed on "technology", and well lets face it the tech being applied to banking is simply wooden. One or two real innovators out thre will hit the jackpot and that yet unknown innovation may change it all. 2030? Much the same as 2018.

01 Nov 2018 08:52 Read comment

See all 54 comments by Stanley