So, with that, let me share with you three things that are keeping me awake at night, and bring you up to date on developments surrounding them. 1/6  BIS central bankers' speeches  Cyber Threats The first issue I want to touch on is the potential for a cyber attack that leads to a major disruption of our financial system.
People take for granted the efficiency and convenience of today’s financial system, as they should. It was not all that long ago that your choices for making a retail purchase were a personal cheque, a credit card or cash—and cash was an option only if you remembered to get to your bank branch before it closed. Today, e-commerce is pervasive.