I-Cyber-insurance: Izinqubomgomo zomshwalense zingena ekhulwini lama-21

• About the Author:
• Igama lomlobi

  I-Quantumrun Foresight
• November 30, 2021

Ukudlondlobala kokuhlasela kwe-inthanethi kuholele ekukhathazekeni okukhulayo phakathi kwabantu ngabanye namabhizinisi, okubangele ukwanda komshwalense we-inthanethi. Njengoba isimo sosongo sithuthuka, indima yomshwalense we-inthanethi iyashintsha isuka ekubeni sesimweni sokusebenza, lapho abahlinzeki bomshwalense besiza amaklayenti ukuthuthukisa izindlela zabo zokuphepha ku-inthanethi. Lolu shintsho lukhuthaza isiko lokuzibophezela okwabelwana ngaso, okungase kuholele emikhubeni ephephile ye-inthanethi, kugqugquzelwe ukuqanjwa kabusha kwezobuchwepheshe, futhi kugqugquzele umthetho omusha wendawo ephephile yedijithali.

Umshwalense we-Cyber-insurance

Ngokusho kwe-2021 US Federal Bureau of Investigation, kusukela ngo-2016, ngaphezu kuka-4,000 ukuhlaselwa kwe-ransomware kwenzeke e-United States. Lokho ukukhuphuka ngamaphesenti angama-300 ngonyaka ka-2015 lapho kubikwa ukuhlaselwa kwe-ransomware engu-1,000. Uhlelo olungayilungele ikhompuyutha, ukwebiwa komazisi, ukwebiwa kwedatha, ukukhwabanisa, nobuxhwanguxhwangu ku-inthanethi konke kuyizibonelo zokuhlasela kwe-inthanethi. Ngokungeziwe ekulahlekelweni okungokwezimali okubonakala njengokukhokha isihlengo noma ukuba nesigebengu sisebenzise i-akhawunti yekhadi lesikweletu lothile, abanikazi bamabhizinisi bangase bahlupheke ngisho nakakhulu nemiphumela yezezimali ewohlozayo. 

Ngaleso sikhathi, kubathengi abajwayelekile, ngokusho kwenhlolovo ka-2019 eyenziwe yi-Verisk, inhlangano ehlaziya idatha, ngaphezu kwezingxenye ezimbili kwezintathu zalabo ababuzwayo bakhathazekile nge-cyberattack, futhi cishe ingxenye eyodwa kwezintathu ike yaba yisisulu.

Ngenxa yalokho, abanye abashwalensi manje sebehlinzeka ngomshwalense womuntu siqu we-cyber ukuze kwehliswe ezimbalwa zalezi zingozi. Izehlakalo ezehlukene zingadala izimangalo zomshwalense we-inthanethi, kodwa ezivame kakhulu zihlanganisa i-ransomware, ukuhlasela kokukhwabanisa kokudluliswa kwezimali, kanye nezikimu ze-imeyili zebhizinisi zebhizinisi. Izindleko zomshwalense we-inthanethi zinqunywa ngemibandela embalwa, okuhlanganisa nosayizi wenkampani kanye neholo layo lonyaka.

Umthelela ophazamisayo

Njengoba isimo sokusatshiswa ku-inthanethi siqhubeka nokuvela, indima yomshwalense we-inthanethi kulindeleke ukuthi isuke ekubeni ukusabela kabi iye ekubeni isebenze kakhulu. Abahlinzeki bomshwalense bangase baqale ukudlala indima ebaluleke kakhulu ekusizeni amakhasimende abo ukuthi aqinise izinyathelo zawo zokuphepha ku-inthanethi. Bangase banikeze izinsizakalo ezifana nokuhlolwa kwezokuphepha okujwayelekile, izinhlelo zokuqeqesha abasebenzi, nezincomo zesofthiwe yezokuphepha. Lolu guquko lungaholela ebudlelwaneni obukhulu phakathi kwezinkampani zomshwalense kanye nezinkampani ezinomshwalense, kugqugquzele isiko lokuba nomthwalo wemfanelo okwabelwana ngawo ekulweni nezinsongo ze-inthanethi.

Ngokuhamba kwesikhathi, lokhu kungaholela ekushintsheni okukhulu endleleni izinkampani ezibhekana ngayo ne-cybersecurity. Esikhundleni sokukubheka njengezindleko eziwumthwalo, izinkampani zingase ziqale ukukubona njengotshalomali olungase lwehlise amaphrimiyamu azo omshwalense. Lokhu kungase kukhuthaze izinkampani ukuthi zithathe izinyathelo eziqinile zokuphepha ku-inthanethi, okuholela ekwehleni kwemvamisa nokuqina kokuhlaselwa ku-inthanethi. Ngaphezu kwalokho, lokhu kungase futhi kukhuthaze ukuqanjwa kabusha embonini ye-cybersecurity, njengoba isidingo sezisombululo zokuphepha ezithuthukisiwe sikhula.

Ohulumeni bangazuza futhi ekuthuthukisweni komshwalense we-inthanethi. Njengoba izinkampani ziqinisa izindlela zazo zokuphepha ku-inthanethi, ingcuphe iyonke yokuhlasela kwe-inthanethi okukhulu okuthinta ingqalasizinda ebalulekile ingancishiswa. Ngaphezu kwalokho, ohulumeni bangasebenza nabahlinzeki bomshwalense ukuthuthukisa izindinganiso nemithethonqubo yokuphepha ku-inthanethi, bakhuthaze indawo yedijithali ephephe kakhudlwana futhi eqinile kubo bonke.

Imithelela ye-cyber-insurance

Imithelela ebanzi yokukhula komshwalense we-inthanethi ingabandakanya:

• Izinkampani zomshwalense ziya ngokuya zihlinzeka ngezinsizakalo zochwepheshe zokuthuthukisa ukuphepha kwe-inthanethi ngaphezu kwezinqubomgomo zomshwalense we-cyber. Ngokunjalo, izinkampani zomshwalense zingaba phakathi kwabaqashi abaphambili bethalente le-cybersecurity.
• Ukwakhiwa kwemisebenzi esemthethweni yabaduni, ngenxa yesidingo esikhulayo sochwepheshe abaqonda izindlela zokugebenga kanye nendlela yokuzivikela kubo.
• Ukwenyuka kwentshisekelo ku-Information Technology ezingeni lezemfundo, okuholela kwabanye abaneziqu endaweni yokuqasha, njengoba izinsongo ze-cybersecurity ziba into ekhathaza umphakathi. 
• Izilinganiso eziphakeme ezimaphakathi zamaphakheji omshwalense webhizinisi njengoba izici ze-cybersecurity ziya ngokuya zivame futhi (okungenzeka) kudingwa ngumthetho.
• Umphakathi ofunde ngedijithali kakhudlwana njengoba abantu ngabanye namabhizinisi baqaphela kakhulu ukubaluleka kwe-cybersecurity, okuholela ekuziphatheni nezinqubo eziphephile ze-inthanethi.
• Umthetho omusha oholela endaweni elawulwa kakhulu yedijithali.
• Labo abangakwazi ukukhokhela izinyathelo zokuphepha ezithuthukisiwe noma umshwalense we-inthanethi, njengamabhizinisi amancane, bashiywa engcupheni yokusongelwa nge-inthanethi.

Imibuzo okufanele icatshangelwe

• Ingabe i-cyber-insurance ingasiza ngokweqiniso ekwehliseni inani lokuhlaselwa ku-inthanethi? 
• Izinhlangano zomshwalense zingayithuthukisa kanjani izinqubomgomo zazo zomshwalense ukuze zivumelane nokwamukelwa ngobuningi kwe-cyber-insurance?