104 résultats
pour « Résilience numérique »
This study finds that corporate digital transformation (CDT) reduces revenue volatility while enhancing financial stability, governance, and ESG performance. Smaller firms benefit more, but excessive digital investments increase operating risks. Stronger infrastructure, IP protection, and digital taxation improve CDT’s effectiveness, ensuring risk reduction without compromising performance or growth potential.
This study analyzes financial risk management in digital-only banking using quantitative methods. Phishing (35%) and ransomware (20%) cause major financial losses. Basel III compliance reduces fraud risks, while AI-driven fraud monitoring has inefficiencies. Regulatory enforcement improves fraud prevention by 1.90%, highlighting the need for stronger cybersecurity and regulatory measures.
This paper analyzes cyber risk severity and tail risk using three databases. Malicious cyber incidents show increased severity since 2018, while negligent incidents decline. Cyber loss distributions are extremely heavy-tailed. Findings highlight the need for dynamic, category-specific risk management and insurance pricing.
The EU's Digital Services Act and Corporate Sustainability Due Diligence Directive both require large companies to implement internal risk management systems. This approach, however, strengthens corporate power by minimizing regulatory costs, reinforcing technocratic solutions, and enabling corporations to evade responsibility for negative social impacts by framing them as external risks. This procedural focus hinders effective enforcement.
The insurance sector faces pressure from rising catastrophic risks, leading to higher premiums and policy non-renewals. This paper proposes an arbitrage-free method for pricing catastrophe reinsurance using the compound dynamic contagion process and Esscher transform. The findings help insurers assess liabilities amid emerging risks like climate change, cyberattacks, and pandemics.
FINRA's 2025 guidance emphasizes robust third-party risk management due to increased cyberattacks and outages. Firms must strengthen vendor oversight, enhance incident response planning, address fourth-party risks, and adapt to emerging risks like generative AI. Key steps include updating contracts, due diligence, training, and maintaining a vendor inventory.
AI is transforming finance, enhancing efficiency while introducing risks like cyber threats and bias. The EU’s AI Act regulates high-risk AI in credit and insurance. Financial institutions must integrate AI responsibly, ensuring transparency and fairness. Supervisors like ACPR will enforce compliance, fostering trust and innovation through collaboration and governance.
• Le dérèglement climatique rejoint les cyberattaques sur la première marche du podium des risques ;
• Les risques politiques et sociaux sont en forte hausse ;
• L’intelligence artificielle générative suscite une méfiance nouvelle ;
• De manière générale, l’environnement est encore plus risqué en 2025 qu’il ne l’était en 2024 ;
• Les inégalités et tensions sociales inquiètent les assureurs pour la société française.
Learning from industry cybersecurity breaches boosts firm growth and performance. Firms adapt CEO pay to manage risk and invest in sales, seizing opportunities. This shows learning from rivals' misfortune is valuable, highlighting the strategic importance of competitor learning.
This paper examines the interplay of the AI Act and GDPR regarding explainable AI, focusing on individual safeguards. It outlines rules, compares explanations under both, and reviews EU frameworks. The paper argues that current laws are insufficient, necessitating broader, sector-specific regulations for explainable AI.