If 2022 felt like the year of the ‘perfect storm’ for cyber incidents, then it’s likely the weather will not improve in 2023 as banks along with many other enterprises continue to build, harden and invest in their cyber security capabilities, using new technologies and new approaches. We ask Rene Morel from Deloitte and Nick Ellsmore from Trustwave, both experienced cyber security specialists, what went wrong and where the next threats are coming from.