Bill Gates was nearly right when he said “banking is necessary, banks are not”. Financial services are necessary, but they don’t have to be provided by banks.
The implication of an Institute of Internal Auditors poll is that hybrid working, including home-working, is more risky, or brings in unaddressed risks.
David Norfolk is a huge supporter of Open Source Software. But he says it is not “free software” in any real sense – not cost, risk or management free.
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