There could be various ways of looking at this, but my view is that the key for successful structural reform is how to positively affect the expectations of economic agents. BIS Review 68/2001  3  At present, the expectations of firms and households are bearish.
Banks need to put in place preventive measures such as appropriate  BIS central bankers’ speeches  3  controls framework around the systems, reconciliation of transactions in on real / near real time basis, controls over the message creation and transmission, applying timely security patches to the interfaces, if any, close monitoring of transactions and disabling USB, and Internet access on the connected nodes.