Insurance is by far the world's most popular grudge purchase. However, its undisputed new rival, cybersecurity, is getting a lot more attention in recent times, especially amid convergence between traditional banks and mobile connectivity. An ongoing court battle recently highlighted just how badly things can go wrong when a bank's security system relies on a mobile network's efficacy, which at the best of times can quite easily be intercepted by criminals masquerading as employees.

A bank's traditional architecture of large pillars and thick walls typically projects strength. It is designed to communicate might and impenetrability...

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