All right; I'll move faster. The third theme would be about establishing a lot more trust around critical data. The banking and key banking groups could actually become the trusted single source for registration, authentication and credentials.
My fourth theme is about user awareness. Let's not lose sight that our weakest link is still the user. We could have more specific mandates and more training so that people are more aware of what to click on, what's good behaviour, what's good hygiene.
In conclusion, there are next-generation cyber solutions on scale that can be used to stabilize and empower the financial community, but it's going to take the right funding and drive to make that happen.