Banks should prepare for cyberattacks that can move faster and adapt more readily with artificial intelligence (AI), argues Radi El Haj, Chief Executive Officer and Executive Director of RS2, in a TechRadar Pro Perspectives article.
El Haj says banking security has traditionally focused on detecting intrusions and fraud. AI changes the risk by increasing the speed and scale of attacks, and by helping attackers adapt. The article cites a PYMNTS report that OpenAI could not rule out its highest cybersecurity warning level for its upcoming Astra model. That threshold signals a model may be able to discover and develop working zero-day exploits independently, or carry out attacks with minimal human direction.
The article also refers to an International Monetary Fund note on AI and cybersecurity in finance. It argues that shared banking technologies, including cloud infrastructure, payment systems and third-party software, can turn a vulnerability in a widely used component into a risk for multiple institutions. El Haj says an AI system could potentially find an exploit in seconds; the article describes 27 seconds as the current record for a multistep attack with limited ongoing human involvement.
El Haj argues that patching and prevention remain necessary but are not enough on their own. He calls for continuous resilience: systems designed to detect, isolate, contain and recover during an attack. He also says banks need clear rules for AI access and autonomy, with human intervention defined in advance. The article presents resilience as an ongoing governance priority alongside threat detection.
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