Take a look at your vault: Massive steel door, dual key access, concrete encasing. A lot of time and technical wisdom has gone into the making of a secure vault. The risks of a vault theft are real, but well understood. Even a layman like me understands the basics after just 90 minutes watching a good heist movie.

Now take a look at your credit union's digital infrastructure.

It's little harder to picture. Even the IT manager with a network map in front of him might struggle to picture and describe, let alone protect, every point. Instead of a big steel door, he sees a bustling town with hundreds of doors, windows, roads, door locks, traffic lights, construction zones, public store fronts and back-street warehouses. Not a single steel door to open or close – a whole town to protect and to keep open for business.