vulnerable points in networks or systems, and to build very realistic duplicates of human voices for use in fraudulent activities. Meanwhile, the proliferation of 5G smart devices in the form of the Internet

trend. Amid the trade rift which may make the global economic recovery vulnerable, however, many central banks are likely to adopt a cautious stance in their monetary policy while also placing their focus

(ThaiCERT). Given the more sophisticated cyber risks, financial institutions as service providers, and customers as users, are increasingly vulnerable to losses. In terms of cyber security readiness, however