Osiguranje kibernetičkih rizika u doba povećane digitalizacije poslovanja

master's thesis

• Title (english): Insurance of cyber risks at the age of increased digitalization of business
• Author: Vedrana Vrbat
• Mentor: Mihovil Anđelinović (mentor)
• Committee member: Maja Mihelja Žaja (predsjednik povjerenstva)
• Committee member: Antonija Buljan (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2024-06-25, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

U današnjem brzom svijetu, nezamislivo je živjeti bez interneta, mobitela i ostalih pametnih
uređaja. Sve je puno brže nego što je nekad bilo. Samim time je i današnjim organizacijama,
bilo malim ili velikim, nezamislivo raditi bez naprednih informacijskih sustava. Uz takve
tehnologije dolazi i određeni rizik, koji je u prošlim vremenima nekada bio nezamisliv, a
danas je svakako prisutan. Riječ je o kibernetičkom riziku, koji je u ovim vremenima jedan od
najvećih rizika koji se može desiti jednom poslovanju. Ovaj diplomski rad bavi se
istraživanjem važnosti, izazova i mogućnosti koje osiguranje kibernetičkih rizika predstavlja
za suvremene poslovne subjekte. Rad se oslanja na kvalitativnu metodologiju, koristeći
strukturirani intervju s ključnim dionicima iz osiguravajućih društava i osiguranika kako bi se
dobio uvid u njihovu percepciju i iskustva. Kroz analizu nedavnih kibernetičkih napada i
njihove posljedice, rad ističe rastuću potrebu za specijaliziranim kibernetičkim osiguranjem
koje može pružiti zaštitu od financijskih gubitaka, narušavanja reputacije i operativnih
prekida. Istraživanje uključuje pregled tržišta kibernetičkog osiguranja, identificirajući glavne
trendove, rastuće potražnje i prilike za osiguravatelje. Posebna pažnja posvećena je analizi
postojećih politika osiguranja, njihovoj učinkovitosti te razini svijesti i spremnosti
organizacija na implementaciju tih mjera.

Abstract (english)

In today's fast-paced world, it is unimaginable to live without the internet, mobile phones, and
other smart devices. Everything is much faster than it used to be. Consequently, for today's
organizations, whether small or large, it is unthinkable to operate without advanced
information systems. With such technologies comes a certain risk that was once unimaginable
in the past but is very present today. This risk is known as cyber risk, which is now one of the
biggest threats that can happen to a business. This thesis explores the importance, challenges,
and opportunities that cyber risk insurance presents for modern business entities. The work
relies on qualitative methodology, using structured interviews with key stakeholders from
insurance companies and policyholders to gain insights into their perceptions and experiences.
Through the analysis of recent cyber attacks and their consequences, the thesis highlights the
growing need for specialized cyber insurance that can provide protection against financial
losses, reputational damage, and operational disruptions. The research includes an overview
of the cyber insurance market, identifying key trends, increasing demand, and opportunities
for insurers. Special attention is given to the analysis of existing insurance policies, their
effectiveness, and the level of awareness and readiness of organizations to implement these
measures.

• Keywords: kibernetički rizici; osiguranje; osiguravajuće kuće; digitalizacija poslovanja
• Keywords (english): cyber risks; insurance; insurance companies; digitalization of business
• Language: croatian
• URN:NBN: urn:nbn:hr:148:080869
• Study programme: Title: Business economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: sveučilišni magistar ekonomije/sveučilišna magistra ekonomije (sveučilišni magistar ekonomije/sveučilišna magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to authenticated users
• Created on: 2024-06-25 20:19:52