Something I see regularly, as co-founder and the developer behind Afterburner, keeps me up at night. Across New Zealand's financial services sector, there are AI tools being deployed that have been built quickly, released faster, and secured almost not at all. In the industry, we've started calling them vibe-coded apps. They work, mostly. Until they don't. This matters more than most people realise right now, because New Zealand is about to open the taps.