He said that striking the right balance between innovation, consumer protection, and financial stability remains a key policy imperative. He said the increasing digitisation of financial services has heightened exposure to cyber threats, fraud, data breaches, and operational risks. Sunday also highlighted the rapid growth of financial technology (fintech) which has revolutionised the way financial services are delivered. Millions of previously unbanked and underserved Nigerians now have access to formal financial services through digital channels”. It is, therefore, essential that institutions responsible for financial stability continue to strengthen measures that preserve and enhance public trust.