Harding in Robert Kramer and W. Putnam Livingston, “Cashing in on the Checkless Society,” Harvard Business Review, September/October 1967, p. 143; Bill Medley, Highways of Commerce: Central Banking and the U.S. Payments System (Kansas City: Federal Reserve Bank of Kansas City, 2017), p. 23, www.kansascityfed.org/~/media/files/publicat/highwasyofcommer/highwaysofcommerce.pdf?la=en.
As attack methods constantly evolve, and given that there is no once-and-for-all cure for cyber threats, our best response is to evolve as well. Mutual learning is generally a good thing, but in a digital environment it is hugely important, because we cannot build on a long history of best practices, and it is a setting where small mistakes might be very costly.