William Friend

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  • Anatomy of a Cyber-Physical Heist

    Anatomy of a Cyber-Physical Heist

    An interactive analysis of the UNC2891 cyber-physical bank heist — how attackers blended physical access with network intrusion, and the defenses that stop them.

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    William Friend

    August 3, 2025

    4 min read

  • ATM Security Framework

    ATM Security Framework

    The modern ATM is not just a cash dispenser; it is a complex, high-risk endpoint running a full-fledged OS like Windows. This reframes the ATM as a specialized…

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    William Friend

    July 1, 2025

    4 min read

  • Interactive Story of the ATM

    Interactive Story of the ATM

    An interactive history of the ATM: 50 years from mechanical marvel to financial mainstay, and where self-service banking goes next.

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    William Friend

    June 23, 2025

    4 min read

  • FFIEC Reports: A Look at Call Reports and UBPRs

    FFIEC Reports: A Look at Call Reports and UBPRs

    FFIEC Call Reports and UBPRs explained — what they contain, how examiners use them, and why they matter for bank oversight.

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    William Friend

    June 23, 2025

    4 min read

  • Are You Raging? You’re Not Alone: What the Customer Rage Study Means for You and Your Bank

    Are You Raging? You’re Not Alone: What the Customer Rage Study Means for You and Your Bank

    For banks looking to build loyalty and avoid the financial and reputational damage of customer rage, the path forward is clear. It requires a fundamental shift from viewing…

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    William Friend

    June 21, 2025

    4 min read

  • The Human Touch in a Digital Age: Why Banks Are Reinvesting in Physical Branches

    The Human Touch in a Digital Age: Why Banks Are Reinvesting in Physical Branches

    Five to ten years ago, the prevailing wisdom was that the future of banking was purely digital. The focus was on migrating customers to online and mobile platforms,…

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    William Friend

    June 20, 2025

    4 min read

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