It’s an all-too-common argument touted in defence of bribery and corruption: it’s almost impossible to conduct business successfully and efficiently in certain markets, without paying bribes. Or so they say.

There is no doubt digital is the future and customers want the convenience and speed it provides – not just in banking but many services. But the convenience and revolution of digital comes with the risk of cybercrime. This will be a digital war and humans remain the weakest link – meaning training and education are critical.