WEEKLY EDITION BY NIKITA ALEXANDER

Welcome to your latest Bobsguide's Weekend Digest, your essential update on the biggest cybersecurity and fintech security challenges shaping the financial sector.

As cyber threats evolve and innovation reshapes financial services, we’ve gathered key insights to keep you informed, prepared, and ahead of emerging risks.

In this issue, you'll find:

- Sysdig’s Crystal Morin on the EU’s fragmented regulatory landscape

- Quantum computing forces fintech to rethink encryption strategies

- Digital wallets are evolving into context-specific business tools

We're here to keep you ahead of the curve every weekend.

INSIGHTS

Q&A: Crystal Morin on navigating global regulatory changes

As regulators around the world roll out increasingly complex cybersecurity frameworks, banks and fintechs are under pressure to stay ahead of the curve. In an in-depth interview, Sysdig’s Crystal Morin outlines the implementation gaps around NIS2 and DORA, including inconsistent adoption across EU member states and overlapping (sometimes contradictory) reporting mandates. She also highlights operational challenges, like adapting legacy infrastructure and managing multi-cloud risk.

Crucially, Morin warns that non-compliance could carry multi-million-euro fines and even personal liability for executives. With new global regulations like CIRCIA and Hong Kong’s Cybersecurity Law on the horizon, Morin urges firms to adopt a proactive, puzzle-piece approach to aligning security and compliance.

INSIGHTS 

Post-quantum panic? Why fintech leaders can’t afford to wait

Quantum computing isn’t just a future concern—it’s a clear and present business risk for fintech. As quantum systems edge closer to breaking today’s encryption, fintech leaders need to act decisively to protect customer data, brand reputation, and competitive positioning. This feature lays out a clear executive roadmap: inventory assets, build cross-functional transition teams, monitor NIST’s evolving post-quantum standards, and start pilot implementations now.

Regulatory pressure is mounting, and those who delay face serious consequences, from trust erosion to financial fallout. Fintechs that move early will not only strengthen their defenses—they’ll differentiate themselves as forward-thinking and secure.

INSIGHTS

Digital wallets’ evolving purpose

The digital wallet is undergoing a transformation. From M-PESA to modern fintechs like Plumery, today’s wallets are moving beyond payments to tackle concrete pain points for businesses and consumers alike. Rather than offering general-purpose tools, the next wave of digital wallets are combining banking capabilities with services like accounting, tax filing, and expense management.

Companies like Portugal’s FIZ and France’s Qonto are building financial ecosystems tailored to entrepreneurs and small businesses.This “built-for-purpose” approach is changing how wallets are designed—pushing fintechs to either develop their own infrastructure or creatively customize white-label platforms to fit their vision.