Financial system is alarmingly vulnerable to cyberattack

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Financial system is alarmingly vulnerable to cyberattack
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A ransomware attack on an Irish-based firm has caused havoc in commodities markets

In recent years, the financial sector has quietly slid into a state of high dependence on third-party tech vendors, both big and small

The other issue is that malicious attacks on western financial and business infrastructure are accelerating, both from hostile governments such as Russia and criminal gangs. “A 2022 survey of 130 global financial institutions found that 74 per cent experienced at least one ransomware attack over the past year,” says Christy Goldsmith Romero, a CFTC commissioner.

But these reforms still seem far too modest to resolve the problem. One reason is that the border-hopping antics of tech vendors such as Ion can easily slip between the cracks of national regulators, without better co-ordination. In any case, it does not seem either feasible or fair to expect financial companies to police these tech vendors themselves.

However, this heavy-handed state control would be wildly controversial in a country such as the United States, since it seems to contradict corporate governance principles and the cult of market innovation. So another, more realistic, route would be to expand the regulatory perimeter – and ask financial regulators to scrutinise tech vendors and other digital companies themselves.

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