De nombreuses formations en cybersécurité restent inefficaces, voire contre-productives, car elles reposent sur la conformité plutôt que sur la culture de sécurité. Les approches punitives ou ponctuelles créent un faux sentiment de sécurité, de la honte et du désengagement. Pour renforcer durablement les réflexes, il faut privilégier des incitations douces, des rappels réguliers et une personnalisation selon les rôles. Le changement passe par la transformation des attitudes et des habitudes, non par la peur. L’objectif : faire de la sécurité un réflexe naturel, intégré au quotidien, plutôt qu’un test à réussir.
This document analyzes the impact of model uncertainty (ambiguity) on the insurance industry.
The study employed a 𝗿𝗼𝗯𝘂𝘀𝘁 𝗰𝗼𝗻𝘁𝗿𝗼𝗹 𝗳𝗿𝗮𝗺𝗲𝘄𝗼𝗿𝗸 that assumes insurers adopt strategies to maximize value against a "worst-case" scenario. The views expressed are that this leads to a new competitive market equilibrium characterized by:
• 𝗦𝗶𝗴𝗻𝗶𝗳𝗶𝗰𝗮𝗻𝘁𝗹𝘆 𝗵𝗶𝗴𝗵𝗲𝗿 𝗽𝗿𝗲𝗺𝗶𝘂𝗺𝘀 and 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝗱 𝗲𝗾𝘂𝗶𝘁𝘆 𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻𝘀.
• 𝗠𝗼𝗿𝗲 𝗰𝗼𝗻𝘀𝗲𝗿𝘃𝗮𝘁𝗶𝘃𝗲 𝗹𝗶𝗾𝘂𝗶𝗱𝗶𝘁𝘆 𝗺𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁, evidenced by higher precautionary reserves and delayed dividend payouts.
• 𝗦𝘂𝗯𝘀𝘁𝗮𝗻𝘁𝗶𝗮𝗹𝗹𝘆 𝗽𝗿𝗼𝗹𝗼𝗻𝗴𝗲𝗱 𝘂𝗻𝗱𝗲𝗿𝘄𝗿𝗶𝘁𝗶𝗻𝗴 𝗰𝘆𝗰𝗹𝗲, increasing in numerical simulations from 9.6 to 26 years.
• A long-run capacity distribution that is 𝗺𝗼𝗿𝗲 𝗰𝗼𝗻𝗰𝗲𝗻𝘁𝗿𝗮𝘁𝗲𝗱 𝗶𝗻 𝗹𝗼𝘄-𝗰𝗮𝗽𝗮𝗰𝗶𝘁𝘆 𝘀𝘁𝗮𝘁𝗲, implying slower recovery from adverse shocks.
The paper suggests these findings offer a theoretical explanation for the difficulty of detecting underwriting cycles in empirical data.
The report examines global insurability challenges and opportunities through the “4 A’s” framework—Awareness, Accessibility, Affordability, and Availability. It identifies major pressures from geopolitical instability, natural catastrophes, cyber risks, inflation, and technological shifts, contributing to a $1.83 trillion global protection gap. The report outlines barriers such as low financial literacy, limited market access, rising costs, and reduced coverage options in high-risk areas. It highlights industry initiatives and public-private collaborations addressing these issues and presents policy recommendations aimed at improving education, enabling innovation, reducing taxation, and fostering regulatory environments that sustain risk-based insurance markets.