“I actually think it's effectively impossible for banks to stop this. … It is, I think, difficult to build an authentication system that will defeat Muse, but not defeat your average 72-year-old banking customer.”

…side that maybe there is actually an easier way when you've got a decentralized system because you're dealing with a smaller number of customers, but then the investment's a problem. So I get this is tricky, but I think the problem here is the way banks do online banking, not these unvetted agents.

…thing that worries me is that is that fragmented banking ecosystem that you've got in the US with all these tiny little banks that, I mean, there's a lot of work to do here. And I sort of worry that some of your banks don't have the scale that's going to be required to address this sort of thing.

Yeah, that's right. And I mean, it's just another example in my mind of when technology providers are just doing it wrong. And what I mean by that is like when the password, you know, password managers are like, hey, just put your like MFA seed values into our password manager. And I'm like, no…

Yeah, a lot of these services allow passkeys and you can lock passkeys to specific GUIDs and to allow them to be non-syncable hardware passkeys. The number of non-enterprise services that do that is spectacularly small. So yes, if you're an enterprise, what you'll do is you'll say this has to be a…

Things are going great. This is real good. Now, look, we actually just touched on this a moment ago, but we've got a paper here that has looked at how you can hide malicious capabilities in AI models. Now, I think your argument, Alex Stamos for one of the major Chinese labs to do this would…