The WEF white paper on Technology, Innovation, and Systemic Risk highlights how digital transformation in finance is reshaping systemic vulnerabilities. It identifies six main themes: digital interdependencies, shared model vulnerabilities, regulatory gaps, conflicting national priorities, emerging sources of influence, and new drivers of exclusion. Each theme shows how interconnected ecosystems, reliance on algorithms, fragmented regulations, or social media–driven risks can amplify shocks across markets. Mitigation requires stronger cross-border collaboration, zero-trust security models, quantum-safe cryptography, data alliances, alternative credit scoring, and coordinated governance frameworks to ensure resilience in a rapidly evolving landscape.

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