These guys are not your basic script kiddies... the level of knowledge needed to pull this off is significant and narrows the scope of people, who would be capable to do this. I also think this might be
orchestrated and combined with people working within these institutions. They have too much access to privileged information to be a outsider. I agree with this statement.. " The tool was custom
made for this job, and shows a significant level of knowledge of SWIFT Alliance Access software as well as good malware coding skills. " These people are professionals and very good at hiding their
tracks... This is one of the major reasons why SWIFT { a centralized service} needs to shift to a decentralized Blockchain solution like Bitcoin.