The New Paradigm of Systemic Risk in Banking.
1
The Perimeter Fallacy and “Inevitable Exposure”
Incidents such as the 3.7TB leak at Interbank confirm that attackers no longer “break” security, but rather “log in” using compromised credentials or third parties.
The Reality: Once the wall is breached, if the data is readable, the damage is complete.
The solution is not to build higher walls, but to devalue the data (tokenization) so that, even if it is exfiltrated, its commercial value for fraud is zero.
2
La Amenaza Silenciosa: "Harvest Now, Decrypt Later"
Malicious actors are currently capturing data streams encrypted with standard algorithms (RSA/ECC) to store them and decrypt them in the near future using quantum computing.
The Banking Risk: For corporate banking, whose data (contracts, trusts, deposits) has a lifespan of 10 to 20 years, future decryption is a crisis today.
The transition to Post-Quantum Cryptography (PQC) with algorithms such as CRYSTALS-Kyber is the only real insurance policy.
3
El Impacto Económico y el "Reloj Regulatorio"
SFC Circular 007 and the new PCI DSS v4.0 requirements are not just checklists; they are mandates for operational resilience.
The Cost: With fines of up to 2,000 SMMLV in Colombia and an average breach cost in the financial sector of USD 6.08 million, inaction comes at a price higher than any preventive investment.