Uloga društava za osiguranje u upravljanju cyber rizicima

master's thesis

• Title (english): The role of insurance companies in cyber risk management
• Author: Daria Čurković
• Mentor: Maja Mihelja Žaja (mentor)
• Committee member: Mihovil Anđelinović (predsjednik povjerenstva)
• Committee member: Mario Spremić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2022-09-14, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Napredak tehnologije i digitalizacije u današnje vrijeme brzorastući je. Svi poslovni subjekti koji žele biti u korak s vremenom, biti konkurentni na tržištu, poboljšavati svoje usluge, širiti poslovanje i napredovati, moraju se koristiti visokom razinom tehnologije i digitalizacije. Zbog toga, postaju izloženi negativnim posljedicama koje dolaze s korištenjem tehnologije. Najveća prepreka i problem su kibernetički rizici koji dolaze u paketu s digitalizacijom. Što se više razvija tehnologija, to su veće šanse nastanka cyber incidenta. Poslovni subjekti ne mogu izbjegavati kibernetičke rizike jer bi to značilo izbjegavanje korištenja tehnologije, što u današnjem vremenu nije opcija. Najbolji način upravljanja rizicima je putem osiguranja rizika. Društva za osiguranje jedan su od najvažnijih segmenata financijskog tržišta. Poslovni subjekti intenzivno osiguravaju svoje rizike putem tradicionalnih polica osiguranja, a u zadnje vrijeme povećava se i osiguranje cyber rizika. Postoje prepreke i problemi prilikom osiguravanja takvih rizika, pa to tržište još nije dovoljno razvijeno u cijelom svijetu, no definitivno će u narednom vremenu postati jedno od najznačajnijih segmenata društava za osiguranje. U radu se želi prikazati važnost efikasnog upravljanja cyber rizicima, koji su definitivno u vrhu svjetskih rizika. Postoji više načina za upravljanje tim rizicima no jedan od najvažnijih je upravo putem društava za osiguranje. Prikazat će se koja je uloga osiguranja, analizirati koliko su društva za osiguranje iskorištena u upravljanju cyber rizicima i koje su strategije upravljanja cyber rizicima. U radu će se za analiziranje i istraživanje koristiti sekundarni podaci. Koristit će se deskriptivna metoda, induktivna i deduktivna metoda, metoda komparacije, kompilacije i opisne statistike.

Abstract (english)

The progress of technology and digitization nowadays is fast – growing. All business entities which want to keep up with time, be competitive in the market, improve their services, expand business and progress, must use high levels of technology and digitization. Because of this, they become exposed to the negative consequences that come with the use of technology. The biggest obstacle and the problem are cyber risks that come in a digitization package. The more technology develops, the greater are the chances of Cyber incident. Business entities cannot avoid cyber risks because it would mean avoiding the use of technology, which is not an option in this days. The best way to manage risks is to secure risk. Insurance companies are one of the most important segments of financial market. Business entities are intensively providing their risks through traditional insurance policies, and recently, Cyber risk insurance has been increased. There are obstacles and problems when ensuring such risks, so this market is not yet sufficiently developed all over the world, but it will definitely become one of the most significant segments of insurance companies in the next time. The paper wants to show the importance of efficiently managing Cyber risks, which are definitely at the top of the world's risks. There are several ways to manage these risks, but one of the most important is precisely through insurance companies. It will be shown what the role of insurance is, analyzing how much insurance companies have been used in managing cyber risks and what are the cyber risks management strategies. Secondary data will be used for analyzing and research. The descriptive method, inductive and deductive method, comparison method, compilation and descriptive statistics will be used.

• Keywords: društva za osiguranje; cyber rizik; cyber osiguranje; cyber incident; upravljanje cyber rizikom; tehnologija
• Keywords (english): Insurance Companies; Cyber Risk; Cyber Insurance; Cyber Incident; Cyber Risk Management; Technology
• Language: croatian
• URN:NBN: urn:nbn:hr:148:526186
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2022-09-15 17:34:17