And each day these stories seem to move closer to home.
Cybercrime is no longer something that affects an exclusive few, or large corporates in high rise buildings. The unfortunate reality is, the imminent threat of cybercrime is real – and it’s getting personal!
So what exactly is cybercrime, and what is it that we should be looking out for?
Cyberattacks have become such a universal threat that the World Economic Forum named it one of the top three global risks for 2018. Unfortunately South Africa seems to be a cyberattack hotspot.
According to leading global professional services company, Accenture, South Africa might be a testing ground for malware due to less robust cybersecurity systems in place. Malware is short for malicious software which includes virusware, ransomware and spyware.
埃森哲指出，2020年南非的网络犯罪受害者在全球范围内拥有三国网络犯罪，总计额外的损失率为2.2亿元。该国遭遇了577次恶意软件攻击every hour, with fraud via mobile banking apps doubling within just one year.
Simon Colman of SHA Risk Specialists explains that work-from-home employees are inadvertently creating opportunities for hackers to forge tunnels into company networks through often unsecured connectivity.
The implications are scary. If you run a small business, cybercrime can have devastating consequences, not least of which are reputational damage and liability issues. For example, if clients’ personal information gets leaked, your business could be sued.
For an individual not attached to a company or retired, the implications are just as dire – you could stand to lose all your data (including those much loved photos), money if your bank or credit cards are hacked, or – worst of all - your identity.
Also keep in mind you are likely to store digital copies of personal information of your children and other family members, such as birth certificates, IDs and passports along with address and/or school information that may compromise their identity.
如果您正在为家庭工作并与商业客户交往，您可能还存储网络犯罪分子可以向竞争对手销售的专有信息。再次，要小心你如何存储这些。如果它导致诉讼，声誉跌倒可能是灾难性的 - 并且昂贵。
- Make sure you regularly back up your PC and keep backups in a safe place, for example on an external hard drive and/or in the Cloud. Remember, don’t only back up your data – also make sure you know how to restore this data again.
- 谨防Wi-Fi暗影网络：如果您出局，从笔记本电脑，平板电脑或手机工作并寻找免费Wi-Fi网络，您可能会在不知不觉中连接到影子网络 - 一个旨在看起来像的系统any other public network except that it’s monitored by a cyber predator.提示：将设备设置为not自动连接到可用网络。
- Passwords! One of the best ways to restrict access to data is of course to use strong passwords and change them regularly – yet how many of us actually do change passwords? A strong password is at least 10 characters long and includes symbols (%,@,*) and numbers. You can useLastpass.- 一个密码管理器，如您的所有帐户和密码信息的保险库 - 或使用apassword generator.
积极主动 - 准备好
Fortunately insurance service providers are well aware of the prevalence and potential risks associated with cybercrimes. Leading insurance companies such as Santam have responded with innovative cyber risk insurance solutions to help mitigate the risk and potential losses caused by cyber-criminality, either through stand-alone insurance policies, or as top-up cover on an existing policies.
For a reasonable premium, you can mitigate the financial consequences arising from cyber fraud, such as expenses to restore your identity and data, legal fees for lawsuits, as well as direct financial losses such as paying a ransom or having a fraudster run up expenses on your credit card.
如果您想了解有关网络犯罪威胁的更多信息，watch this videoon cyber liability and cyber security by Simon Colman of SHA.