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E.g., 2024-03-04
E.g., 2024-03-04
June 19, 2023
欧州委員会(EU)は、金融システム全体のレジリエンシーを高めるべく、2023年1月にデジタル・オペレーション・レジリエンス法(Digital Operatonal Resilience Act:DORA)を制定し、2025年1月の発効をめざしています。同法は欧州で営業する金融機関と金融関連のICTサービス・プロバイダーが対象ですが、同様な規制が他国で制定される可能性もあり注目が集まっています。 ■ DORA制定の背景 金融機関は、金融機関同士の相互接続や外部ICTサービス・プロバイダーを活用して業務を遂行しており、リアルタイム・ペイメントが普及する中、外部連携の緊密度はこれまで以上に高くなっている。一方、サイバー攻撃は高度化し、複数の金融機関が同時に攻撃を受けたり、ある金融機関への攻撃が他行へ影響を与えるケースも生じていることから、金融システム全体がシステミック・...
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June 16, 2023
In previous reports about mule activity, I’ve endeavored to outline the rationale and benefits of taking a more deliberate approach toward proactive mule detection and prevention. My discussions with fraud executives, AML executives, and solution providers have culminated in the following observations: Money mules are the logistic network upon which Fraud Inc.’s value chain is built. Mule...
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June 16, 2023
Payments-as-a-Service (PaaS) is a business model where financial institutions provide advanced payment products and services. The benefit of this model is customers are not burdened with the overhead of developing their payment processing platform. PaaS providers offer leading-edge, cloud-based platforms to provide specialized services, such as card issuing, payment clearing, cross-border...
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June 14, 2023
Before discussing the security of Banking-as-a-Service (BaaS), we must have a level set on what it is. BaaS is a business model providing banking products and services to third-party distributors or non-banking businesses. With BaaS, non-banking businesses can offer banking products and services through a partnership with regulated financial institutions. Examples of pure BaaS companies include...
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June 12, 2023
On May 30, 2023, leaders from OpenAI, Google DeepMind, Anthropic, and other AI labs warned that future AI systems could be as deadly as pandemics and nuclear weapons. This warning comes on the heels of Elon Musk and 1,125 AI and tech experts signing a letter seeking a six-month pause in AI development in March of this year. But this recent concern about the future of AI is hardly the first alarm...
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June 10, 2023
アイテ・ノバリカ・グループでは、金融機関や小売事業者のサイバーセキュリティ対策を把握するため、2022年第四四半期に8か国221社のCISO(最高情報セキュリティ責任者)に対するアンケート調査を実施しレポート「Cybersecurity 2023: InfoSec Leaders Pursue the Future of Financial Services」にまとめました。ここでは、その概要をご紹介いたします。 ■ 調査の概要と2023年のサイバーセキュリティ投資項目 企業のサイバーセキュリティ責任者(CISO)は、日々のサイバー攻撃から自社を守りつつ、次々と登場する新たな脅威に備える役割をになっている(Defend Today, Secure Tomorrow)。アイテ・ノバリカ・グループでは、...
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June 9, 2023
Recently, I co-hosted Aite-Novarica Group’s Broker-Dealer Technology Research Group meeting, along with my colleagues Nancy Casbarro, Mitch Wein, John Keddy, and Jack Krantz. Joined by an array of carrier-owned broker-dealers, this session gave us the opportunity to dive into emergent issues that showcase the complexity of the regulatory environment faced in this space, as well as the dramatic...
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Robert McIsaac
June 8, 2023
Chief information security officers (CISOs) and information security (InfoSec) leaders have some of the most difficult roles in financial services (FS). Whether leading cybersecurity at a financial institution, insurance carrier, or FS firm, these people have one of the most challenging jobs in the modern age: defending their enterprise against never-ending attacks! The U.S. Cybersecurity and...
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June 8, 2023
市場取引が活発な株式や為替(FX)では電子取引が広く普及していますが、流動性が高くない社債の場合、機関投資家は証券会社を通じて取引相手を探す必要があります。特に発行から時間が経過していたり売買単位が大きい場合、取引相手を見つけるには時間を要し、価格がかけ離れてしまう可能性があります。人工知能を使ってこの課題に取り組むLTX社の話題です。 ■ 米国市場における証券トレーディング電子化状況 米国の金融市場では、株式や先物、為替、米国財務省証券などの取引の80-90%が電子化されている。一方、社債取引は証券会社を通じた相対取引が中心で、電子取引の割合は40%前後に留まっている。この背景には、大部分の社債は機関投資家保有で流動性が低く「取引相手を見つけにくい」、また見つかっても「売買価格が折り合わない」という根本的な問題がある。 加えて、...
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June 7, 2023
For personal auto insurers, the story of the last few years can be summed up in just a few words: rising claims costs. The confluence of riskier driving, costlier auto components, supply chain disruption, and inflationary pressures created a 2022 that was the worst in many carriers’ histories, with a number of auto insurers posting combined ratios above 100, including some high-profile...
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