By Javvad Malik, security awareness advocate at KnowBe4
With Gartner expecting global security spend to increase above $120 billion and cybercrime on the rise, cybersecurity vendors are in a strong position to aid organisations with the latest innovative and sophisticated technologies to meet the growing demand for security. Despite this,companies are still floundering when it comes to getting security right as evident in the first half of 2019, with over 40 high level data breaches. These have resulted in at least 4 billion records containing highly sensitive information being exposed. One threat that seems to be at the heart of these incidences is phishing. Evidently, something is not quite right.
According to Verizon’s 2019 Data Breach Investigations Report, phishing was the top threat in successful breaches that were linked to social engineering and malware attacks. Even with security technologies in place, hackers are still successfully avoiding defences by reverting to using ingenious phishing and social engineering methods that target what is often considered the weakest link in security – humans. Whether it be over the phone, duping an individual via email or another creative outreach method, there are numerous ways hackers can extract critical information from unsuspecting staff members.
Which industry struggles most?
When analysing the risk posed to a particular sector, research found there was an increase of 2.6 percent in 2019 to 30 percent across all industries compared to 2018. This was done by measuring the organisation’s Phish-prone percentage (PPP) which would quantify the likelihood of a breach from a phishing attack that targeted the workforce. Although there was a slight uptick in overall risk to all industries, there were some standout stats when examining small, medium and large companies. For instance, across small and mid-sized organisations, those in construction were the most phish-prone, ranking in at 38 percent and 37 percent respectively. Some may be surprised by construction leading the pack, but when you consider those within this industry handle client data or confidential project information, intellectual property, subcontractor data or financials and even employee data including health data, it is understandable why these businesses are being targeted the most.
When investigating large companies (1,000+ employees), the hospitality industry had 48 PPP and was found to be most prone to falling victim to a phishing scam.Those within hospitality have had to quickly come to terms with the disruptive nature of cyberattacks as in the past decade high profile breaches have struck major enterprises such as Hilton, Hyatt, Marriott International and the travel trade organisation Abta.
Organisations that are mid-sized and operated within the banking and financial services industries were slightly higher than the baseline average with PPP’s at 31 and 32 respectively. Given the substantial amount of sensitive personal and financial information that passes through this sector, cybercriminals are naturally going to be drawn to it. No wonder the UK’s Financial Conduct Authority revealed the number of cyber-incidents rose by more than 1000% in 2018.
On the other hand, staff working in transportation were found to be the least susceptible and achieved the lowest PPP with 16 percent. Yet, this is still a significant number when you consider how many users in a larger organisation could put the company at risk by unknowingly clicking a fraudulent link.
The Human firewall
It is often preached that in order to build a strong enough defence against phishing attacks, organisations need to start from within. There is an element of truth in this, but the strength of this defence depends entirely on the tactics and strategies used when training employees. To radically reduce vulnerabilities being disclosed and change end-user behaviour, the right testing and training needs to take place. This begins with a baseline test across the entire business which will give business leaders a PPP for the workforce that can then be used as an indicator to measure against future tests. Depending on the PPP percentage comes staff learning exerciseswhich involve on-demand, interactive and engaging computer-based training. By doing away with the old and archaic PowerPoint slides and incorporating engaging videos and awareness modules,businesses will see an increase in both attention and retention.
Once the initial teaching has been conducted, it’s time to test the workforce again by simulating actual attack methods to mimic real-world threats. This helps train the mindset to create new habits while reinforcing what was learned previously. Once the results from the replicated tests are calculated, business leaders will then have a clear idea of how their employees have responded to the training and the fake phishing scams. Without this benchmark, organisations will forever be at risk.This new-school approach aims to improve overall security through good training in a rapid time frame and results can be seen in as little as three months. Companies that adopted this approach saw the PPP drop in 90 days from an average of 30 percent to 15 percent. This fell further to two percent after 12 months of continued CBT and phishing training showing the effectiveness of this new teaching.
Once organisations gain a clear understanding of how they and their employees stack up in terms of phishing awareness, the path to making them an efficient last line of defence or a ‘human firewall’, can truly begin. In the end, every business, regardless of its size and industry, is vulnerable to social engineering attacks as each individual staff member is seen as a possible entry point for hackers. Therefore, its high time businesses began arming the workforce with the necessary tools, knowledge and training material to help them avoid putting the company in potential jeopardy.
How You Can Make Money From Home
There is no secret to making money online, the only secret is your persistence. Hidden away between the tips on starting a wine club, taking up a photography club or joining the wine revolution, there are smart tips that anyone could use to earn money online without having to quit their day job. We have written lots about the many ways people abroad to help finance their lives.
A good place to start with online jobs is with paid surveys. Surveys pay for your time and allow you to earn a bit of extra cash. The reason you will be able to earn more than what you are actually worth is that a survey company will pay to send you their questionnaire so that you can answer it. The more accurate and detailed your answers the more likely you are to get paid.
There are many survey companies available, you need to choose wisely and carefully as some surveys are paid better than others. For example, you may get paid well if you give an opinion on the health of wine or food. You may get paid just as well if you offer an opinion on which type of music you like.
Another great way to make money online is to write articles. You could write an article and then sell it to an affiliate. If someone likes what they read you will get a commission.
If you are unable to write or if you do not have the time, you could hire someone to write for you. This could be someone who has experience in web content writing or a freelance writer. You could also sell your own articles on an affiliate website such as Clickbank or Commission Junction.
It is easy to make money, it can take some time but it is definitely possible. All you need is determination and discipline to keep at it.
Many people overseas have chosen to live off the grid lifestyle. There are many benefits to living this way and one of them is being able to make money from home.
There are also a lot of opportunities to make money doing research online, there is a constant increase in the amount of knowledge that is available to the public. It is much easier to research and discover new ways of earning money. and you can get started in a short space of time. So, I encourage you to give it a go.
One of the easiest ways to make money online is by becoming a blogger. It really is very easy to become a blogger. Just type ‘blogging’ into Google and then fill in all the details. It is easy and it can even start to look lucrative.
Blogging is a good way to earn money if you have an understanding of the basics. You need to write about something that interests you. This could be about your family life, your interests or even a hobby that you like.
Once you have set up a good website for your blog, the next step is to get visitors to it. One way of doing this is by putting up advertisements. This is just the same as writing articles for other websites.
Some people choose to make money by selling products. You can do this in two ways, through a site such as eBay or through affiliate marketing. You could sell e-books or products related to the niche you are blogging about. The great thing about eBay is that there is always a steady flow of visitors.
These two ways are only two of the many ways to make money online. I recommend you look at all the options and find the ones that work best for you. Once you have found them, you will never stop learning about ways to make money online.
How To Avoid the Risks of Poor Credit
Security Finance is an unsecured debt collecting agency that, via a network of affiliated companies, provides “secure” personal loans to consumers who may otherwise struggle to meet their existing debts. Their loans are generally short-term, and their conditions often vary dramatically from those of traditional short term personal loans. The services they provide can be invaluable to both the consumer and the lender.
Security finance offers a wide variety of loans. These include: home equity loans, revolving credit lines, commercial and business loans, car and motorcycle loans, and other types of unsecured loans. These loans can be used for almost any purpose, and they will be more beneficial to the consumer than those offered by banks and other unsecured lenders.
Secured personal loans offer an excellent alternative to the high rate of interest paid by unsecured loans. The interest rates are often less, the terms are easier to meet, and they are often better suited to meeting a consumer’s unique financial situation. The collateral provided with the loan usually allows security that the loan will be repaid in a reasonable amount of time, with little or no difficulty.
Secured loans require the debtor to place collateral, such as his or her car, home, or other valuable asset, in order to receive the money they have been borrowing, and are therefore considered by the debt collector as an attempt to recover something that has been taken. Debt collectors will not hesitate to call a borrower who does not follow the terms of his or her loan agreement and in some cases will go as far as harassing them, calling and/or sending letters in an attempt to collect on a debt.
When applying for a secured personal loan, many borrowers are worried that the debt will affect their credit score. The fact is that there is virtually no correlation between the amount of credit available and the credit score. However, secured loans will typically have a much lower credit score than unsecured loans. This is because the borrower is putting his or her assets in a bank account where they are likely to be liquidated for payment.
It is important to remember that the loan does not negatively affect the credit history. The only time it can result in damage to a credit report is if it is reported incorrectly. If a borrower were to try to pay off a loan on a credit card that was reported as being “lost”, he or she would then be making the error a second time.
Security finance offers consumers an exceptional opportunity for personal development through the use of online applications, and the ability to make several payments on the same day to avoid late fees and penalties. This service also makes it easy to avoid late fees when paying loans off at the end of the month.
The ability to apply for secured loans online provides a tremendous opportunity for the consumer to improve his or her credit score. Security loans can provide a large number of benefits to people who are in financial difficulty, including: low cost, low rate loans, low credit, and the flexibility of being able to make multiple payments.
If you are considering applying for a secured loan but have never applied online, you should take advantage of the opportunity to make several purchases in a short period of time, rather than waiting until the last minute to apply for an unsecured loan. By using the secured finance website, you can save yourself the time and stress associated with filling out an application and can ensure that your credit report shows your financial progress accurately.
Once you have applied for a secured loan, you should also make sure that you understand the terms and conditions of your loan, including any interest rate that may apply to the loan. Be sure that you understand the term of the loan in full and fully. Do not hesitate to ask any questions that may arise. You should always contact the company directly when you feel that you are not fully clear on a matter regarding a loan.
Secured finance loans are a great way to increase your credit score while avoiding the hassle and expense of filling out and paying off an application by mail. Because the borrower is making a direct deposit of money into an account, the credit report that shows up on credit reports is often inaccurate.
How To Find Free Rates On Money Exchange
Money is a common item that can be bought, traded, exchanged or sold. This usually includes the value of the currency as well as gold and silver. Money is commonly accepted as payment of certain obligations, including taxes, and payment of certain goods and services in a specific country or socioeconomic context.
There are three money systems in the world. The first is the use of coins or other units of currency, which are available in fixed denominations. The second is barter. It involves exchanging items of utility with other items of utility. In the third system, known as fiat money, there is no central authority that decides what the money supply is, and the monetary base is determined by political will.
The most common monetary system is the gold standard, which was used as far back as ancient Greece and Rome. In this system, coins were designed to be redeemable for gold bars. Gold, however, had a relatively high price at the time, and most individuals had no access to it. Barter is much more popular today, and most people live their lives in barter, trading items with one another.
In some nations, the second money system is called paper money. Most countries have national currencies, and each government issues money in the name of their country. This type of money is not backed by anything of physical value. It is not held by the government or bank. It is simply made from paper. Since most countries use this kind of money, it is known as the official “money” of the country.
Electronic cash was introduced in 1970. This system is very similar to barter. Instead of bartering for items, electronic money is created electronically. It is created electronically to represent actual objects that can be used as payment, and then is transferred to the buyer. The process is very similar to barter, except that there are no actual goods to be bartered for. It is considered a virtual currency.
There are many different types of money, and each one has its own characteristics. Money in the U.S. has a backing and is created by the federal reserve. Money in England is backed by the pound sterling, while the European Central Bank in Germany uses the euro. has a currency known as the Deutschmark.
Each form of money has its own advantages and disadvantages. People who use different forms of money have their own reasons for doing so. Many people choose to exchange one form of money for the other, to get the best rate on an item they need or want. Some choose the same form of money for more than one transaction.
Money exchange services offer different services to help people get the best rates on money exchange. They include a variety of methods that can help someone get a better rate. Rates vary depending on the length of time you wish to get money, the size of your order, and the current value of the item you are exchanging. Some of these services can also provide you with a credit card or other form of online payment to transfer your money through.
These services are available almost everywhere. You may call around to various companies for rates, or you can check out the Internet. There are several places on the Web that will give you free quotes, and compare rates among companies. It is important that you understand the rules and regulations that govern the rates you receive from these companies before you agree to any deal.
There are several different online providers. You will often find them listed under the names of a variety of different names, such as Money Exchange, Moneygram and eCash. If you are interested in getting quotes from multiple companies, make sure to ask around for quotes from at least three. so that you have a clear picture of how much the rates will vary and from which company to go with.
Many places will offer you a variety of free quotes if you fill out a form. Others will charge a fee for this service. To get an estimate, you should send out several free quotes. and then make sure to follow up with the companies.
To be able to get the best rates, it is very important that you get as many quotes as possible from different companies on the Internet. There are many sites that you can go to. Some will charge a fee to get these quotes.
Dollar pauses its decline on fresh virus worries
By Hideyuki Sano TOKYO (Reuters) – The U.S. dollar stabilised on Monday after a recent decline as fresh worries about...
European lenders exit Amazon oil trade after scrutiny by campaigners
By Brenna Hughes Neghaiwi, Matthew Green and Simon Jessop ZURICH/LONDON (Reuters) – Credit Suisse, Dutch lender ING and France’s BNP...
Asian shares rise as U.S. stimulus plans offset virus woes
By Swati Pandey SYDNEY (Reuters) – Asian shares rose on Monday as concerns over rising COVID-19 cases and delays in...
Oil prices edge lower as COVID-19 lockdown concerns overshadow demand prospects
By Florence Tan SINGAPORE (Reuters) – Oil prices slipped for a second straight session on Monday as renewed COVID-19 lockdowns...
BP’s oil exploration team swept aside in climate revolution
By Ron Bousso LONDON (Reuters) – Nothing escapes the winds of change now sweeping through BP, not even the exploration...
Big Oil hits brakes on search for new fossil fuels
By Ron Bousso LONDON (Reuters) – Top oil and gas companies sharply slowed their search for new fossil fuel resources...
Natural catastrophes cause above-average $100 billion in insurance losses in 2020 – Aon
LONDON (Reuters) – Natural catastrophes resulted in $97 billion in insured losses in 2020, 40% above the average for this...
Bank of England told to stop buying ‘high carbon’ bonds
By David Milliken LONDON (Reuters) – A group of British members of parliament said on Monday that the Bank of...
Global green bond issuance hit new record high last year
By Nina Chestney LONDON (Reuters) – Global green bond issuance reaGlobal green bond issuance hit new record high last yearched...
Online fashion retailer Boohoo to buy Debenhams brand – FT
BENGALURU (Reuters) – Online fashion retailer Boohoo Group Plc is set to acquire collapsed British department store group Debenhams in...