Another concern is the increasing tendency of the insiders using the information they have about their organisation, against itself. Companies have no option but to trust their employees and provide them privileged access to systems. The Snowden incident in the US has clearly shown the amount of damage an insider can cause to an institution.
There is, of course, a strong connection between our banking structure and the nature of BIS Review 36/1997  -2-  our small-business-oriented economy. Smaller banks traditionally have been the source of capital for small businesses that do not generally have access to securities markets.