48 Results
Stanley Epstein Associate at Citadel Advantage Group
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...
1 hour /ai /regulation Operational Risk Management
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 /crime Operational Risk Management
As artificial intelligence transforms financial operations, banks face both unprecedented opportunities and deepening vulnerabilities. The future belongs to institutions that can harness AI’s power without surrendering control. Introduction Artificial intelligence (AI) and machine learning (ML) have rapidly evolved from niche research fields into ...
11 October 2025 /ai Operational Risk Management
Where Technology, Trust, and Transformation Collide. The financial technology landscape in late 2025 is both exhilarating and daunting. Once the scrappy upstart of global finance, fintech has matured into a multi-trillion-dollar ecosystem shaping how individuals, companies, and governments move, manage, and multiply money. A decade ago, innovation...
09 October 2025 Innovation in Financial Services
I really am a really big fan of digital banking. Banking digitally is a positive change from the way banking and banking transactions were carried out in the past. I really like the way it has changed my life for the better. I like the way it has given me a new freedom to do my banking when I want to, where I want to and to a large degree how I wan...
22 August 2016 Innovation in Financial Services
A while back I blogged my concerns about the future of mobile payments; “Why I am worried about the future of Mobile payments”. In essence, the problem that I focused on is this - there are just too many forms of mobile payments being offered by too many organisations and by too many banks. This approach creates confusion. It come about because ev...
16 August 2016 Innovation in Financial Services
Have you ever noticed how we move through phases? Looking back over my long career in the world of banking and banking technology, there were always those ‘new’ technologies that kept popping up. They would be the toast of the banking technology world for a while (in those far gone days we did not have names or concepts like ‘fintech’) and then as...
14 August 2015 Innovation in Financial Services
Developments in the mobile payments world have really got me worried. I come across an ever increasing account of different banks and technology companies coming to market each with their own variations of what they call “mobile payments”. To start with the term “mobile payments” is confusing to most, even some seasoned bankers. What the man-in-the...
02 March 2015 /payments Innovation in Financial Services
The term ‘Digital Banking’ is, to my mind, one of the most miss-understood concepts in the financial world today. Ask any group of 21st century bankers and you will get more definitions than there are member of the group. And this confusion of definition is one of the reasons why there a lack of fire and enthusiasm for the whole idea. Many simply ...
12 January 2015 Innovation in Financial Services
Rewind to 2008. The there was one word that got everyone's hair to stand on end, at that time, it was "securitisation". Now almost six years later securitization is making a comeback. And in some circles the stigma attached to the word "securitisation" has hardly faded. Securitization as such was never the problem. The real iss...
11 January 2014 /regulation
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