Collective Intelligence: There is a siloed approach to data sharing, individual SILOs of consortium, move from regulators to better enable data sharing- PSD3, AMLR, PSR mandate.

• True and holistic network view? Will we get there?
• Dependency on consortium? Or wait for evolution of various initiatives? Or combine in essence what will be public data with private consortia? Or risk appetite dictates that problem is not great enough to invest.
• Risk v reward- commensurate controls to mitigate FC risks, a need for gold plating?