Mr. Ed Sibley:

We spoke earlier about financial resilience. Operational resilience, including in ICT, continues to increase in importance. It is probably the area I worry about most because of its nature. It can happen quickly and, suddenly, there can be problems with the payment system, as happened recently. We focus on it in a number of ways. From a consumer-user perspective, we ensure that anybody involved in the payment system, not least the banks, will work on resilience and invest in and address problems where they exist. Problems are inevitable-----