Umshwalense we-Cyber ​​risk: Ukuvikela ebugebengwini be-inthanethi

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• Igama lomlobi

  I-Quantumrun Foresight
• August 31, 2022

Isifinyezo sokuqonda

Umshwalense we-Cyber ​​risk ubalulekile ukuze amabhizinisi azivikele ngokwezimali emithelela yobugebengu bamakhompuyutha, ufaka izindleko ezifana nokubuyiselwa kwesistimu, izindleko zomthetho, nezijeziso zokuphulwa kwedatha. Isidingo salo mshwalense sikhule ngenxa yokuhlasela okwandayo kumakhompuyutha ezimbonini ezahlukahlukene, amabhizinisi amancane asengozini enkulu. Imboni iyathuthuka, ihlinzeka ngemininingwane ebanzi ngenkathi futhi ikhetha kakhulu futhi ikhuphuka amanani ngenxa yokukhuphuka kwemvamisa nokuqina kwezigameko ze-inthanethi.

Umshwalense we-Cyber ​​risk content

Umshwalense we-Cyber ​​risk usiza ukuvikela amabhizinisi emiphumeleni yezezimali yobugebengu bamakhompuyutha. Lolu hlobo lomshwalense lungasiza ukukhokhela izindleko zokubuyisela amasistimu, idatha, nezindleko zomthetho noma izinhlawulo ezingase zibe khona ngenxa yokwephulwa kwedatha. Okuqale njengomkhakha we-niche, umshwalense we-inthanethi waba yisidingo esibalulekile ezinkampanini eziningi.

Izigebengu ze-inthanethi seziphenduke zaba yinkimbinkimbi ngeminyaka yawo-2010, ziqondise izimboni eziphakeme njengezikhungo zezezimali kanye nezinsizakalo ezibalulekile. Ngokombiko wangowezi-2020 weBhange Lomhlaba Wezindawo Zokuhlala, umkhakha wezezimali uhlangabezane nenani eliphakeme kakhulu lokuhlaselwa nge-inthanethi ngesikhathi sodlame lwe-COVID-19, kulandelwa imboni yezokunakekelwa kwempilo. Ikakhulukazi, izinsizakalo zokukhokha kanye nezinkampani zomshuwalense kwakuyizinjongo ezivame kakhulu zobugebengu bokweba imininingwane ebucayi (okungukuthi, izigebengu ze-inthanethi ezithumela ama-imeyili anegciwane futhi zizenze izinkampani ezisemthethweni). Kodwa-ke, nakuba izihloko zezindaba eziningi zigxile ezinkampanini ezinkulu, njenge-Target ne-SolarWinds, amabhizinisi amaningi amancane naphakathi nendawo nawo ahlukunyezwa. Lezi zinhlangano ezincane yizona ezisengozini kakhulu futhi ngokuvamile azikwazi ukubuya ngemuva kwesigameko se-ransomware. 

Njengoba izinkampani eziningi zifudukela ezinsizeni eziku-inthanethi nezisekelwe emafini, abahlinzeki bomshwalense bathuthukisa amaphakheji omshwalense wengcuphe ye-inthanethi abanzi, okuhlanganisa ukuqolwa nge-inthanethi kanye nokutholwa kwesithunzi. Okunye ukuhlasela ku-inthanethi kufaka phakathi ubunjiniyela bezenhlalo (ukwebiwa kobunikazi nokwenziwa), uhlelo olungayilungele ikhompuyutha, kanye nezitha (ukwethula idatha embi kuma-algorithms okufunda komshini). Kodwa-ke, kukhona ubungozi be-inthanethi abadayisi bomshwalense abangase bangabafaki, okuhlanganisa ukulahlekelwa kwenzuzo okuvela emiphumeleni yangemva kokuhlasela, ukuntshontshwa kwempahla yengqondo, kanye nezindleko zokuthuthukisa ukuphepha kwe-inthanethi ukuze kuvikelwe ekuhlaselweni okuzayo. Amanye amabhizinisi amangalele abahlinzeki bomshwalense abambalwa ngokwenqaba ukukhava isigameko sobugebengu bamakhompuyutha ngoba kuthiwa bebungafakiwe kunqubomgomo yabo. Ngenxa yalokhu, ezinye izinkampani zomshwalense zibike ukulahlekelwa ngaphansi kwale migomo, ngokusho kwenkampani yomshwalense iWoodruff Sawyer.

Umthelela ophazamisayo

Izinhlobo eziningi zezinqubomgomo zomshwalense wengozi ku-inthanethi ziyatholakala, futhi indlela ngayinye izohlinzeka ngamazinga ahlukene okukhava. Ubungozi obujwayelekile obumbozwa izinqubomgomo zomshwalense wengcuphe yohleloxhumano ngesiqoqelalwazi ukuphazanyiswa kwebhizinisi, okungafaka phakathi izikhathi zokuncipha kwesevisi (isb., ukucishwa kwewebhusayithi), okuholela ekulahlekelweni kwemali engenayo kanye nezindleko ezengeziwe. Ukubuyiselwa kwedatha kungenye indawo embozwe umshwalense wengozi ye-inthanethi, ikakhulukazi lapho umonakalo wedatha mkhulu futhi kungathatha amasonto ukuyibuyisela.

Abahlinzeki bomshwalense abahlukahlukene bahlanganisa izindleko zokuqasha ukumelwa okungokomthetho okuvela ezinkantolo noma ezinkantolo ezibangelwa ukwephulwa kwedatha. Okokugcina, umshwalense wengozi ye-inthanethi ungakhava izinhlawulo nezinhlawulo ezibekwe ebhizinisini nganoma yikuphi ukuputshuka kolwazi olubucayi, ikakhulukazi idatha yomuntu siqu yeklayenti.

Ngenxa yokwanda kwezigameko zokuhlasela kwe-inthanethi okuseqophelweni eliphezulu nokuthuthukile (ikakhulukazi ukugebenga kwepayipi le-Colonial Pipeline ka-2021), abahlinzeki bomshwalense banqume ukunyusa amanani. Ngokwenhlangano eqapha umshwalense I-National Association of Insurance Commissioners, abahlinzeki bomshwalense abakhulu kakhulu base-US baqoqe ukukhuphuka ngamaphesenti angu-92 emalini yabo ekhokhelwayo ebhalwe ngokuqondile. Ngenxa yalokho, imboni yomshwalense we-inthanethi wase-US yehlise isilinganiso sayo sokulahlekelwa okuqondile (iphesenti lemali engenayo ekhokhelwa abafake izicelo) isuka kumaphesenti angama-72.5 ngo-2020 yaya kumaphesenti angama-65.4 ngo-2021.

Ngaphandle kokwenyuka kwamanani entengo, abadayisi bomshwalense sebeqinile ezinqubweni zabo zokuhlola. Isibonelo, ngaphambi kokunikeza amaphakheji omshwalense, abahlinzeki benza isheke sangemuva ezinkampanini ukuze bahlole ukuthi banazo yini izinyathelo eziyisisekelo zokuphepha ku-inthanethi. 

Imithelela yomshuwalense wengozi ye-cyber

Imithelela ebanzi yomshwalense wengozi ye-inthanethi ingabandakanya: 

• Ukungezwani okukhulayo phakathi kwabahlinzeki bomshwalense kanye namakhasimende abo njengoba abadayisi bomshwalense benweba ukukhululwa kwabo ekukhavekeni (isb., izehlakalo zempi).
• Imboni yomshwalense iyaqhubeka nokwenyusa amanani njengoba izehlakalo ze-inthanethi ziya zivame kakhulu futhi zibe nzima.
• Izinkampani eziningi ezikhetha ukuthenga amaphakheji omshwalense we-cyber risk. Kodwa-ke, inqubo yokuhlola izoba nzima kakhulu futhi idle isikhathi, okwenza kube nzima ukuthi amabhizinisi amancane athole umshuwalense.
• Ukutshalwa kwezimali okukhulisiwe kuzixazululo ze-cybersecurity, njengesofthiwe nezindlela zokuqinisekisa, ezinkampanini ezifuna ukufaneleka ukuthola umshwalense.
• Izigebengu ze-Cybercriminal zigebenga abahlinzeki bomshwalense ngokwabo ukuze zithwebule isizinda samakhasimende esikhulayo. 
• Ohulumeni kancane kancane bashaya umthetho izinkampani ukuthi zisebenzise ukuvikelwa kwe-cybersecurity ekusebenzeni kwazo nasekuxhumaneni nabathengi.

Imibuzo okufanele icatshangelwe

• Ingabe inkampani yakho inawo umshwalense we-cyber risk? Ihlanganisani?
• Yiziphi ezinye izinselelo ezingaba khona kubashwalensi be-inthanethi njengoba ubugebengu be-inthanethi buthuthuka?