Banks have made large investments in top notch quantitative models that try to gauge the magnitude of risks. Although this does sharpen our focus, and is undoubtedly important, we must not allow it to cloud our intuition, the propensity we have for being alert to ‘unknown unknowns’, the dark matter of the financial universe.
The system is  6  an important step towards the digitalisation of payment services, enabling instant payments 24 hours a day, seven days a week, 365 days a year.