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      "text": "Banks have invested vast amounts in bolstering their cyber defences. However, in November last year, a ransomware attack on the US subsidiary of the Chinese bank ICBC nearly crashed the US 30-year Treasury auction and forced participants to trade by using USB pen drives. The advent of generative AI has handed hackers another potent weapon, enabling them to attack all of banks’ surfaces with deep fakes that can deceive voice analysis and other defences, amplify phishing attacks, and create much more complex and elusive viruses. In 2024, as the likelihood of such attacks succeeding edges toward the inevitable, banks will shift the focus of their strategies from prevention to resilience. They too will use generative AI—not only to detect attacks but also to increase the frequency, depth and scope of their scenario planning, and to look not only at the immediate implications of a cyber breach but also the second- and third-order effects—and how they should prepare and respond.",
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