On Wednesday, November 27, 2019 I experienced a scary spear-phishing cyber attack. Emotionally I was humiliated. I felt extremely vulnerable and violated. I felt helpless and deeply incapacitated. What is a spear-phishing attack? According to www.kaspersky.com, spear phishing is an email or electronic communication scam targeted towards a specific individual, organization or business. The purpose […]
Author Archives: Mark McKenzie
Technology has given birth to a new era in banking that brings efficiency gains for financial institutions, improved access to services by consumers and fosters financial inclusion. In the field of payments, services are increasingly instant, 24/7 and globally available. Non-bank participants, meanwhile, are disrupting traditional intermediation. Artificial intelligence and machine learning are just two of the innovations promising to revolutionise financial services.
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While Auer argued that second-layer solutions such a “Lightning Network” can improve the economics of payment security he noted some concerns.
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Ten years after the publication of the white paper of “Bitcoin: a peer-to-peer system electronic cash system” by Satoshi Nakamoto, perhaps its greatest contribution to society is that it has forced regulators, policymakers, bankers, academics and technologists to have deep-hearted and painful conversations on some very important issues and topics.
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