The most important thing in 2023 is that the primary causes of the 2007–2008 financial crisis - an enormous amount of poor-quality subprime mortgages spread around the world through derivatives in the balance sheets of poorly capitalized banks — do not apply in 2023. So, it is unlikely to have a major banking crisis in 2023.
In my opinion, the banking system is now under threat. This is due to the development of modern communication technologies.
Not a single bank in the world can avoid bankruptcy if all depositors simultaneously demand the return of their deposits.
At the same time, earlier the return of deposits was a lengthy bureaucratic procedure. The depositor had to personally come to the bank, stand in line at the cashier, write a paper application, and only then his money was returned to him.
However, now everything has changed. The depositor can get his money back from the bank by pressing a couple of virtual buttons on his smartphone.
At the same time, panic can theoretically be provoked by any blogger who writes articles on financial issues on the Internet.