"MED 2.0 is not just another regulatory update. It's a structural change in how risk, liquidity, and customer experience connect within the operation. The discussion has shifted from "what is MED" to how to operationalize efficiency, speed of response, and control in an environment increasingly sensitive to fraud and reputation. From a risk perspective, it ceases to be an essentially reactive process and begins to require near real-time action, connecting monitoring, signaling of suspicious events, opening of requests, and interaction between institutions."