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December is the most popular month to propose, and jewelers need to keep that in mind when planning their holiday marketing.

For years, retail banking strategy followed a predictable script: Shift routine transactions to digital channels, downsize physical footprints and route customer service inquiries to centralized contact centers. The underlying assumption was that physical branches were dying embers of a bygone era.

A sales rep closes a 30-minute call. The prospect laid out exactly what it would take to close the deal. The conversation contained everything needed to move forward. Within days, those details exist only in the rep’s memory, and memory degrades.

The moment an attacker owns a valid collaboration account, their phishing and file transfers look like ordinary teamwork, and controls built around email and the login screen never fire. Unit 42, the Palo Alto Networks threat-research team, calls this the identity security gap inside authenticated Teams and Slack sessions. Its analysis found endpoint alerts tied…