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It's long been assumed that technology will help the financially underserved access the banking services they need. Christine Duhaime, an attorney and founder of the Digital Financial Institute, a financial technology think-tank, says this assumption is wrong, and that some tech advances are already starting to have unanticipated adverse effects on the financially disadvantaged. Banks will have to think creatively — by teaching people to code and maybe even making house calls — to ensure they provide fair access to services.

The most important cybersecurity questions in banking are also the most basic: Who has administrator access? What kind of programs are installed on computer systems? "If I can't answer those questions, I'm sure the criminal can," says Andre McGregor, director of security at Tanium.

High-profile hacks such as the attack on the Swift messaging system highlight how banks depend on each other to have top-notch cybersecurity. "Everyone's security is at risk, because everyone is communicating with each other," says Andre McGregor, director of security at Tanium.