»çÀ̹ö º¸¾È º¸Çè(Cybersecurity Insurance) ½ÃÀå ±Ô¸ð´Â 2024³â¿¡ 160¾ï 9,000¸¸ ´Þ·¯·Î ÃßÁ¤µÇ¸ç, 2029³â±îÁö 395¾ï 8,000¸¸ ´Þ·¯¿¡ À̸¦ °ÍÀ¸·Î ¿¹ÃøµÇ¸ç, ¿¹Ãø ±â°£(2024-2029³â) µ¿¾È 19.72%ÀÇ CAGR·Î ¼ºÀåÇÒ Àü¸ÁÀÔ´Ï´Ù.
ºñÁî´Ï½º¿Í »çȸ¿¡¼ Ŭ¶ó¿ìµå, ºòµ¥ÀÌÅÍ, IoT, ÀΰøÁö´É(AI)ÀÇ µðÁöÅÐÈ ¹× ±Þ¼ÓÇÑ ¹ßÀü°ú ¸ðµç »ç¹°ÀÇ ¿¬°á¼º Áõ°¡·Î ÀÎÇØ ÀÌ¹Ì °úÁßÇÑ ¾÷¹«¿¡ ½Ã´Þ¸®´Â IT ÆÀÀÇ ¾÷¹«·®ÀÌ Áõ°¡ÇÏ°í ÀÖ½À´Ï´Ù.
ÁÖ¿ä ÇÏÀ̶óÀÌÆ®
- IT ¹ßÀü, Åë½Å ±â¼ú, ½º¸¶Æ® ¿¡³ÊÁö ±×¸®µå´Â ¸ðµç ±¹°¡ÀÇ Áß¿ä ÀÎÇÁ¶ó¿Í ºñÁî´Ï½º ³×Æ®¿öÅ©ÀÇ È¯°æÀ» ¹Ù²Ù°í ÀÖ½À´Ï´Ù. ÇÏÁö¸¸ ºü¸£°Ô ¹ßÀüÇÏ´Â ±â¼ú¸¸ÅÀ̳ª À§Çùµµ ºü¸£°Ô ÁøÈÇÏ°í ÀÖ½À´Ï´Ù. ½Å¿ëÄ«µå ¹øÈ£, ½Å¿ø, ÀÇ·á ±â·Ï µî °³ÀÎ Á¤º¸°¡ ´ÙÅ©À¥¿¡¼ ÆǸŵǴ µî °³ÀÎ µ¥ÀÌÅÍ´Â »çÀ̹ö ¹üÁËÀÚµéÀÌ ¹üÁ˸¦ ÀúÁö¸£µµ·Ï À¯µµÇÏ´Â °¡Ä¡ ÀÖ´Â Á¤º¸ÀÔ´Ï´Ù. ÀÌ´Â »çÀ̹ö º¸¾È¿¡ ´ëÇÑ ¼ö¿ä¸¦ Áõ°¡½ÃŲ ¸î ¾È µÇ´Â ¿äÀÎ Áß ÇϳªÀÔ´Ï´Ù.
- Ŭ¶ó¿ìµå ÄÄÇ»ÆÃÀº ÃÖ±Ù °¡Àå ºü¸£°Ô ¼ºÀåÇÏ´Â ±â¼ú Áß Çϳª·Î, ITÀÇ ÀüÅëÀûÀÎ °æ°è¸¦ ¾ø¾Ö°í »õ·Î¿î ½ÃÀåÀ» âÃâÇÏ¸ç ¸ðºô¸®Æ¼ Æ®·»µå¿¡ ¹ÚÂ÷¸¦ °¡ÇÏ°í ÅëÇÕ Ä¿¹Â´ÏÄÉÀ̼ÇÀÇ ¹ßÀüÀ» °¡´ÉÇÏ°Ô ÇÕ´Ï´Ù. ´Ù¾çÇÑ ±â¼ú ÀÌÇØ°ü°èÀÚ¿Í Á¶Á÷Àº Çö´ë »çÀ̹ö º¸¾È ȯ°æ¿¡¼ ¹Î°¨ÇÑ µ¥ÀÌÅÍ ÀúÀåÀÇ À§ÇèÀ» ¿ÏÈÇϱâ À§ÇØ »õ·Î¿î º¸Çè ¸ðµ¨¿¡ ´«À» µ¹¸®°í ÀÖ½À´Ï´Ù.
- »çÀ̹ö º¸¾È º¸Çè ºÐ¾ß°¡ °è¼Ó ¹ßÀüÇÔ¿¡ µû¶ó º¸Çè»ç´Â Æò°¡ ½Ã ´õ ±¤¹üÀ§ÇÑ º¸¾È Á¦¾î ¹× ±â¼úÀ» °í·ÁÇÒ °ÍÀÔ´Ï´Ù. µû¶ó¼ Á¶Á÷ µ¥ÀÌÅÍÀÇ ¹Î°¨µµ ¼öÁØ°ú À̸¦ ÀûÀýÈ÷ °¡¸± ¼ö ÀÖ´Â ´É·ÂÀÌ Àü¹ÝÀûÀÎ À§ÇèÀ» °áÁ¤ÇÏ´Â µ¥ Áß¿äÇÑ ¿ªÇÒÀ» ÇÒ °ÍÀ̸ç, ÀÌ´Â ¸¶ÀÌÅ©·Î»þµù°ú °°Àº »õ·Î¿î ±â¼úÀÇ Ã¤ÅÃÀ» ÃËÁøÇÏ°í ÀÖ½À´Ï´Ù. ¸¶ÀÌÅ©·Î»þµù ±â¼úÀº µ¥ÀÌÅ͸¦ ÇÑ ÀÚ¸´¼ö ¹ÙÀÌÆ®¸¸Å ÀÛÀº Á¶°¢À¸·Î ³ª´« ÈÄ ¿©·¯ À§Ä¡¿¡ ÆÄÆíÀ» ºÐ»êÇÏ¿© °ø°Ý Ç¥¸éÀ» ÁÙÀÌ°í µ¥ÀÌÅÍ ¹Î°¨µµ¸¦ Á¦°ÅÇÕ´Ï´Ù.
- »çÀ̹ö º¸Çè Á¤Ã¥°ú ºñÁî´Ï½º´Â ´Ù¾çÇÑ À§ÇèÀ» º¸ÀåÇϸç, º¸Çè»ç¸¶´Ù º¸ÀåÇÏ´Â ¼Õ½Ç À̺¥Æ®¿¡ ´ëÇØ Ç×»ó ÀÏÄ¡ÇÏ´Â °ÍÀº ¾Æ´Õ´Ï´Ù. »çÀ̹ö À̺¥Æ®´Â Á¦ÇÑµÈ ¼Õ½Ç ÀÌ·Â, ¹Ì·¡ À̺¥Æ®¸¦ ¿¹ÃøÇÒ ¶§ °ú°Å µ¥ÀÌÅ͸¦ ½Å·ÚÇÒ ¼ö ¾ø´Ù´Â Á¡, ±â¾÷ ¹× »ê¾÷ Àü¹Ý¿¡ °ÉÃÄ ³ôÀº »ó°ü°ü°è°¡ ÀÖ´Â ´ë±Ô¸ð °ø°ÝÀÇ °¡´É¼º µî Æ÷°ýÀûÀÎ Á¤Ã¥À» ÀÛ¼ºÇϱ⠾î·Á¿î Ư¼ºÀ» °¡Áö°í ÀÖ½À´Ï´Ù. ¶ÇÇÑ º¸Çè»çµéÀº »çÀ̹ö °ø°Ý°ú »ç¹° ÀÎÅͳݰú °°Àº ½Å±â¼úÀÇ ¿µÇâ¿¡ ´ëÇÑ Á¤È®ÇÏ°í Á¤¹ÐÇÑ ±âÁØÀ» ¸¶·ÃÇϱâ À§ÇØ ¿©ÀüÈ÷ ³ë·Â ÁßÀÔ´Ï´Ù. »çÀ̹ö °ø°ÝÀÇ À§Ç輺ÀÌ ¸íÈ®È÷ Á¤ÀǵÇÁö ¾Ê°í º¸Çè»ç¿¡ ¹ÌÄ¡´Â ¿µÇâ¿¡ ´ëÇÑ ÀÌÇØ°¡ ºÎÁ·ÇÑ »óÅ¿¡¼ ´ë±Ô¸ð »çÀ̹ö °ø°ÝÀÌ ¹ß»ýÇÏ¸é »çÀ̹ö º¸ÇèÀº ºñÈ¿À²ÀûÀÌ°í ±â¾÷Àº »ó´çÇÑ ÇÇÇØ¿¡ ³ëÃâµÉ ¼ö ÀÖ½À´Ï´Ù.
- ÆÒµ¥¹ÍÀ¸·Î ÀÎÇØ µðÁöÅÐ µµ±¸ÀÇ µµÀÔÀÌ °¡¼ÓÈµÇ¸é¼ »çÀ̹ö º¸¾È º¸Çè¿¡ ´ëÇÑ Çʿ伺ÀÌ ´õ¿í Ä¿Á³½À´Ï´Ù. ´Ù¾çÇÑ ±â¾÷µéÀÌ º¸Çè°ú »çÀ̹ö º¸¾È µµ±¸¸¦ °áÇÕÇÏ¿© ±â¾÷ÀÌ »çÀ̹ö À§ÇèÀ» ¿ÏÈÇÏ°í °ü¸®ÇÒ ¼ö Àֱ⸦ ±â´ëÇØ ¿Ô½À´Ï´Ù. 2020³â »çÀ̹ö º¸Çè ȸ»çÀÎ CoalitionÀº ÀÎÅͳÝÀ» °Ë»öÇÏ°í Á¶Á÷ÀÇ °ø°Ý Ç¥¸éÀ» ¸ÅÇÎÇÏ´Â BitSight ¹× º¸¾È ½ºÄÚ¾îÄ«µå¿Í À¯»çÇÑ Ç÷§ÆûÀÎ BinaryEdge¸¦ ÀμöÇß½À´Ï´Ù. ÀÌ ¿¬ÇÕÀº ¸Ó½Å ·¯´×°ú ÀÚ¿¬¾î 󸮸¦ ÅëÇØ À§Çè Æò°¡ ÇÁ·Î¼¼½º¸¦ È°¼ºÈÇϱâ À§ÇØ BinaryEdgeÀÇ Å׶ó¹ÙÀÌÆ® ±Ô¸ðÀÇ µ¥ÀÌÅ͸¦ Ŭ·¹ÀÓ ¹× ±âŸ »çÀ̹ö º¸¾È µ¥ÀÌÅÍ ¼Ò½º¿Í º´ÇÕÇß½À´Ï´Ù. ¶ÇÇÑ ÇöÀç ÁøÇà ÁßÀÎ COVID-19 ÆÒµ¥¹ÍÀ¸·Î ÀÎÇØ Àü ¼¼°è °¢±¹¿¡¼ ¿¹¹æ Á¶Ä¡¸¦ ½ÃÇàÇÏ°í ÀÖ½À´Ï´Ù. Çб³°¡ ¹®À» ´Ý°í Áö¿ª»çȸ°¡ ÀÚÅÿ¡ ¸Ó¹°µµ·Ï ¿äûÇÔ¿¡ µû¶ó ¿©·¯ Á¶Á÷¿¡¼ Á÷¿øµéÀÌ ÀçÅñٹ«¸¦ ÇÒ ¼ö ÀÖ´Â ¹æ¹ýÀ» ã¾Ò½À´Ï´Ù. ±× °á°ú È»ó Ä¿¹Â´ÏÄÉÀÌ¼Ç Ç÷§ÆûÀÇ µµÀÔÀÌ Áõ°¡Çß½À´Ï´Ù. Áö³ 6-8°³¿ù µ¿¾È ZoomÀ» Æ÷ÇÔÇÑ ÀÌ·¯ÇÑ È»ó Ä¿¹Â´ÏÄÉÀÌ¼Ç Ç÷§ÆûÀÇ ½Å±Ô µµ¸ÞÀÎ µî·ÏÀÌ ±Þ°ÝÈ÷ Áõ°¡Çß½À´Ï´Ù.
»çÀ̹ö º¸¾È º¸Çè ½ÃÀå µ¿Çâ
BFSI ºÎ¹®Àº »ó´çÇÑ Á¡À¯À²À» Â÷Áö ÇÒ °ÍÀ¸·Î ¿¹»ó
- BFSI »ê¾÷Àº ¹æ´ëÇÑ °í°´ ±â¹Ý°ú ±ÝÀ¶ Á¤º¸°¡ °É·Á Àֱ⠶§¹®¿¡ ¿©·¯ µ¥ÀÌÅÍ À¯Ãâ°ú »çÀ̹ö °ø°Ý¿¡ Á÷¸éÇÑ Áß¿äÇÑ ÀÎÇÁ¶ó ºÎ¹® Áß ÇϳªÀÔ´Ï´Ù. »çÀ̹ö ¹üÁËÀÚµéÀº ±ÝÀ¶ »ê¾÷ÀÌ ¾öû³ ¼öÀÍ°ú »ó´ëÀûÀ¸·Î ÀûÀº À§Çè ¹× Å½Áö °¡´É¼ºÀ¸·Î ¼öÀͼºÀÌ ³ôÀº ¿î¿µ ¸ðµ¨À̱⠶§¹®¿¡ ¹«¼öÈ÷ ¸¹Àº ¾ÇÀÇÀûÀÎ »çÀ̹ö °ø°ÝÀ» ÃÖÀûÈÇÏ¿© ±ÝÀ¶ »ê¾÷À» ¿òÁ÷ÀÌÁö ¸øÇÏ°Ô ÇÏ°í ÀÖ½À´Ï´Ù. Æ®·ÎÀ̸ñ¸¶, ATM, ·£¼¶¿þ¾î, µ¥ÀÌÅÍ À¯Ãâ, ±â°ü ħÀÔ, µ¥ÀÌÅÍ µµ³, ÀçÁ¤ ħÇØ ¹× ±âŸ À§ÇùÀº ¸ðµÎ ÀÌ·¯ÇÑ °ø°ÝÀÇ À§Çù ȯ°æÀÇ ÀϺÎÀ̸ç, ÀÌ·Î ÀÎÇØ BFSI ºÎ¹®¿¡¼ »çÀ̹ö º¸¾È º¸Çè¿¡ ´ëÇÑ ¼ö¿ä°¡ ´õ¿í ÇÊ¿äÇØÁ³½À´Ï´Ù.
- ¿¹¸¦ µé¾î, OrangeÀÇ µ¥ÀÌÅÍ¿¡ µû¸£¸é 2021³â 10¿ùºÎÅÍ 2022³â 9¿ù±îÁö ±ÝÀ¶ ¹× º¸Çè Á¶Á÷¿¡¼ °¡Àå ºó¹øÇÏ°Ô ¹ß»ýÇÑ »çÀ̹ö °ø°ÝÀÇ ÇüÅ´ ¸Ö¿þ¾î¿´½À´Ï´Ù. ÀÌ °ø°Ý º¤ÅÍ´Â Àü ¼¼°è Á¶Á÷ÀÇ 40% ÀÌ»óÀ» Ç¥ÀûÀ¸·Î »ï¾Ò½À´Ï´Ù. ³×Æ®¿öÅ© ¹× ¾ÖÇø®ÄÉÀÌ¼Ç ÀÌ»óÀÌ 2À§¸¦ Â÷ÁöÇßÀ¸¸ç, ÀÌ·¯ÇÑ »çÀ̹ö °ø°ÝÀ» º¸°íÇÑ Á¶Á÷ÀÇ 23%, ½Ã½ºÅÛ ÀÌ»óÀÌ 20%·Î ±× µÚ¸¦ À̾ú½À´Ï´Ù.
- »çÀ̹ö º¸¾È º¸ÇèÀº ÀºÇà ¹× ±ÝÀ¶ ±â°ü¿¡¼ Á¡Á¡ ´õ Áß¿äÇÑ ºÎºÐÀÌ µÇ°í ÀÖ½À´Ï´Ù. ÀÌ »ê¾÷Àº ¿¹Ãø ±â°£ µ¿¾È »ó´çÇÑ ±Û·Î¹ú ½ÃÀå Á¡À¯À²À» Â÷ÁöÇÒ °ÍÀ¸·Î ¿¹»óµË´Ï´Ù. ÀÌ »ê¾÷Àº ±ÔÁ¦°¡ ½ÉÇÏ°í °ü¸®°¡ ¾ö°ÝÇÑ »ê¾÷ Áß ÇϳªÀÌ¸ç ½Å¿ø »ç±â¿¡ Ãë¾àÇÏ¿© ¼ö¿ä°¡ Áõ°¡ÇÏ¿© BFSI ºÎ¹®¿¡¼ »çÀ̹ö º¸¾È º¸Çè ½ÃÀå¿¡ ´ëÇÑ ¼ö¿ä°¡ ´õ¿í È®»êµÇ°í ÀÖ½À´Ï´Ù.
- ¿¹¸¦ µé¾î, 2021³â 10¿ù ¹Ì±¹ ¿¬¹æ°Å·¡À§¿øȸ´Â ±ÝÀ¶ ±â°üÀÌ °í°´ÀÇ ±ÝÀ¶ µ¥ÀÌÅ͸¦ º¸È£Çϱâ À§ÇØ ½ÃÇàÇØ¾ß ÇÏ´Â µ¥ÀÌÅÍ º¸¾È ¿¹¹æ Á¶Ä¡¸¦ °ÈÇÏ´Â °³Á¤µÈ ±ÔÁ¤À» ¹ßÇ¥Çß½À´Ï´Ù. ÃÖ±Ù ¸î ³â µ¿¾È ¼ÒºñÀÚµéÀº ´ë±Ô¸ð µ¥ÀÌÅÍ À¯Ãâ°ú »çÀ̹ö °ø°ÝÀ¸·Î ÀÎÇØ ±ÝÀüÀû ¼Õ½Ç, ½Å¿ø µµ¿ë ¹× ±âŸ ÇüÅÂÀÇ ÀçÁ¤Àû ºÒÇàÀ» Æ÷ÇÔÇÏ¿© ¸·´ëÇÑ °íÅëÀ» °Þ¾ú½À´Ï´Ù. ¿¬¹æ°Å·¡À§¿øȸÀÇ °³Á¤µÈ ¼¼ÀÌÇÁ°¡µå ±ÔÁ¤Àº ¸ð±âÁö ºê·ÎÄ¿, ÀÚµ¿Â÷ µô·¯, ÆäÀ̵¥ÀÌ ´ëÃâ¾÷ü¿Í °°Àº ºñÀºÇà ±ÝÀ¶È¸»ç¿¡ °í°´ Á¤º¸¸¦ º¸È£Çϱâ À§ÇÑ °·ÂÇÑ º¸¾È ½Ã½ºÅÛÀ» ±¸Ãà, ±¸Çö ¹× À¯ÁöÇϵµ·Ï ¿ä±¸ÇÏ°í ÀÖ½À´Ï´Ù. Á¤ºÎ Á¤Ã¥ÀÌ ½ÃÀåÀ» Å©°Ô ÁÖµµÇÒ °ÍÀÔ´Ï´Ù.
- º¸¾È ħÇØ »ç°í°¡ Áõ°¡ÇÔ¿¡ µû¶ó ÀºÇà°ú ±ÝÀ¶ ±â°üÀº °í°´ÀÇ µ¥ÀÌÅ͸¦ º¸È£ÇÏ°í °æÁ¦Àû ¼Õ½ÇÀ» ¹æÁöÇϱâ À§ÇØ »çÀ̹ö º¸¾È º¸ÇèÀ» µµÀÔÇØ¾ß ÇÕ´Ï´Ù. ¿¹¸¦ µé¾î, 2021³â 12¿ù¿¡ ¾ÏÈ£ÈÆó °Å·¡ Ç÷§ÆûÀÎ ºñÆ®¸¶Æ®¿¡¼ ´ë±Ô¸ð º¸¾È ħÇØ°¡ ¹ß»ýÇÏ¿© ÇØÄ¿µéÀÌ ¾à 2¾ï ´Þ·¯ÀÇ ÀÚ»êÀ» Å»ÃëÇß½À´Ï´Ù. µµ³´çÇÑ °³ÀÎ Å°°¡ º¸¾È ħÇØÀÇ ÁÖ¿ä ¿øÀÎÀ¸·Î, ÀÌ´õ¸®¿ò°ú ¹ÙÀ̳½½ºÀÇ Çõ½ÅÀûÀΠüÀÎ ÇÖ¿ù·¿ µÎ °³¿¡ ¿µÇâÀ» ¹ÌÃƽÀ´Ï´Ù.
¹Ì±¹ÀÌ ºÏ¹Ì¿¡¼ ÁÖ¿ä Á¡À¯À²À» ÀâÀ» °ÍÀ¸·Î ¿¹»ó
- ¹Ì±¹Àº ¼¼°è¿¡¼ °¡Àå ´«¿¡ ¶ç´Â »çÀ̹ö º¸¾È º¸Çè ½ÃÀåÀ¸·Î ²ÅÈü´Ï´Ù. ¶ÇÇÑ ÀÌ ½ÃÀå¿¡¼ È°µ¿ÇÏ´Â ÁÖ¿ä ±â¾÷ Áß »ó´ç¼ö°¡ ¹Ì±¹¿¡ º»»ç¸¦ µÎ°í ÀÖÀ¸¸ç, ÀÌ´Â ¹Ì±¹ÀÇ Á¡À¯À²ÀÌ ³ôÀº ¶Ç ´Ù¸¥ ÀÌÀ¯À̱⵵ ÇÕ´Ï´Ù.
- ¹Ì±¹ ³» »çÀ̹ö °ø°ÝÀº ºü¸£°Ô Áõ°¡ÇÏ°í ÀÖÀ¸¸ç, ÀÌ´Â ÁÖ·Î ¹Ì±¹ ³» ¿¬°áµÈ µð¹ÙÀ̽ºÀÇ ¼ö°¡ ±Þ°ÝÈ÷ Áõ°¡ÇÏ¸é¼ »ç»ó ÃÖ°íÄ¡¸¦ ±â·ÏÇß½À´Ï´Ù. ¹Ì±¹¿¡¼´Â ¼ÒºñÀÚµéÀÌ ÆÛºí¸¯ Ŭ¶ó¿ìµå¸¦ »ç¿ëÇÏ°í ÀÖÀ¸¸ç, ¹ðÅ·, ¼îÇÎ, Åë½Å µîÀÇ ÆíÀǸ¦ À§ÇØ ¸¹Àº ¸ð¹ÙÀÏ ¾ÖÇø®ÄÉÀ̼ǿ¡ °³ÀÎ Á¤º¸°¡ ¹Ì¸® ·ÎµåµÇ¾î ÀÖ½À´Ï´Ù.
- ¹é¾Ç°ü °æÁ¦ÀÚ¹®À§¿øȸ¿¡ µû¸£¸é ¹Ì±¹ °æÁ¦´Â À¯ÇØÇÑ »çÀ̹ö È°µ¿À¸·Î ÀÎÇØ ¿¬°£ ¾à 570¾ï ´Þ·¯¿¡¼ 1,090¾ï ´Þ·¯ÀÇ ¼Õ½ÇÀ» º¸°í ÀÖ½À´Ï´Ù. »çÀ̹ö °ø°ÝÀ¸·Î ÀÎÇÑ ÀÌ·¯ÇÑ ¼Õ½ÇÀ» ÃÖ¼ÒÈÇϱâ À§Çؼ´Â »çÀ̹ö º¸¾È º¸Çè Á¦°ø¾÷ü°¡ Á¦°øÇÏ´Â ¼Ö·ç¼ÇÀÌ ÇʼöÀûÀ̸ç, ¾ÆÅÂÁö¿ª¿¡¼ »çÀ̹ö º¸¾È º¸Çè¿¡ ´ëÇÑ ¼ö¿ä°¡ Áõ°¡ÇÏ°í ÀÖ½À´Ï´Ù.
- ¾Æ½Ã¾Æ ÅÂÆò¾ç Áö¿ªÀº Áö³ ¸î ³â µ¿¾È »ó´çÇÑ ¼öÀÇ µ¥ÀÌÅÍ À¯Ãâ »ç°í¸¦ ¸ñ°ÝÇØ ¿Ô½À´Ï´Ù. ½Å¿ø µµ¿ë ¸®¼Ò½º ¼¾ÅÍ¿¡¼ 2022³â¿¡ ¹ßÇ¥ÇÑ º¸°í¼¿¡ µû¸£¸é 1,789°ÇÀÇ µ¥ÀÌÅÍ À¯Ãâ »ç°í°¡ ±â·ÏµÇ¾ú½À´Ï´Ù. µ¥ÀÌÅÍ À¯Ãâ »ç°í°¡ ¸¹ÀÌ ¹ß»ýÇÏ¸é¼ ´Ù¾çÇÑ »ê¾÷ ºÐ¾ßÀÇ Á¶Á÷ÀÌ »çÀ̹ö º¸¾È º¸Çè¿¡ °¡ÀÔÇÏ¿© ½ÃÀåÀÇ ¼ºÀåÀ» ÁÖµµÇÏ°í ÀÖ½À´Ï´Ù.
- ¹Ì±¹ Á¤ºÎ´Â »çÀ̹ö °ø°Ý¿¡ ´ëÇÑ ¹æ¾î¸¦ °ÈÇϱâ À§ÇØ »çÀ̹ö º¸¾È ¹× ÀÎÇÁ¶ó º¸¾È ±â°ü(CISA)À» ¼³¸³ÇÏ´Â ¹ý¿¡ ¼¸íÇß½À´Ï´Ù. ÀÌ ±â°üÀº ¿¬¹æ Á¤ºÎ¿Í Çù·ÂÇÏ¿© »çÀ̹ö º¸¾È µµ±¸, »ç°í ´ëÀÀ ¼ºñ½º ¹× Æò°¡ ±â´ÉÀ» Á¦°øÇÏ¿© ÆÄÆ®³Ê ºÎ¼ ¹× ±â°üÀÇ Çʼö ¿î¿µÀ» Áö¿øÇÏ´Â Á¤ºÎ ³×Æ®¿öÅ©¸¦ º¸È£ÇÕ´Ï´Ù. ±× °á°ú, ½Å±Ô ¹× ±âÁ¸ ±â¾÷ÀÌ ÀÌ »ê¾÷¿¡ ÀûÇÕÇÑ »çÀ̹ö º¸¾È Á¦Ç°±º¿¡ ÅõÀÚÇÒ ¼ö ÀÖ´Â »õ·Î¿î ±æÀÌ ¿¸± °ÍÀÔ´Ï´Ù.
»çÀ̹ö º¸¾È º¸Çè »ê¾÷ °³¿ä
»çÀ̹ö º¸¾È º¸Çè ½ÃÀåÀº Àû´çÈ÷ ÅëÇյǾî ÀÖÀ¸¸ç, ÁÖ¿ä ±â¾÷ÀÌ ¿ì¼öÇÑ ±â¼úÀ» Á¦°øÇÏ°í ±âÁ¸ ÆǸŠä³ÎÀ» ÅëÇØ ¼ºÀåÀ» °¡¼ÓÇÏ°í ÀÖ½À´Ï´Ù. ÀÌ·¯ÇÑ ±â¼ú ¸®´õµéÀº ½ÃÀå °æÀï·ÂÀ» À¯ÁöÇϱâ À§ÇØ Çõ½Å, ÇÕº´, Àμö, ÆÄÆ®³Ê½Ê È°µ¿¿¡ ÅõÀÚÇÏ°í ÀÖ½À´Ï´Ù.
- 2023³â 2¿ù-CloudCover Re´Â º¸Çè Áß°³»çÀÎ Hylant Global Captive Solutions(Hylant)¿Í Çù·ÂÇÏ¿© »çÀ̹ö º¸¾È '·»Å» ĸƼºê' º¸Çè ÇÁ·Î±×·¥ÀÎ CloudCover CyberCellÀ» ½ÃÀÛÇß½À´Ï´Ù. ÀÌ ÇÁ·Î±×·¥Àº Çùȸ, ¼±È£µµ ±×·ì ¹× ´ë±â¾÷ÀÌ »ç¿ëÇÒ ¼ö ÀÖÀ¸¸ç »ç¿ëÀÚ´Â °ü¸® °¡´ÉÇÑ ºñ¿ëÀ¸·Î »çÀ̹ö ¸®½ºÅ©ÀÇ ÀÚü º¸Çè¿¡ ÀÚ±ÝÀ» Á¦°øÇÒ ¼ö ÀÖ½À´Ï´Ù. À̸¦ ÅëÇØ »çÀ̹ö °ø°ÝÀ¸·Î ÀÎÇÑ ÀáÀçÀû Ã¥ÀÓÀ» ¿ÏÈÇÒ ¼ö ÀÖÀ¸¸ç, ±â¾÷Àº º¸´Ù Àú·ÅÇÑ ºñ¿ëÀ¸·Î ±¤¹üÀ§ÇÑ º¸»ó ¹üÀ§¿¡¼ »çÀ̹ö º¸ÇèÀ» Á¦°øÇÒ ¼ö ÀÖ¾î ¼öÀÍ Ã¢ÃâÀÌ ´õ¿í °¡¼Óȵ˴ϴÙ.
- 2022³â 11¿ù-»çÀ̹ö º¸¾È ȸ»çÀÎ Agilicus¿Í ¼±µµÀûÀÎ ¼ÕÇغ¸Çè ´ë¸®Á¡ Áß ÇϳªÀÎ Ridge Canada Cyber Solutions(RCCS)°¡ Çù·ÂÇÏ¿© ij³ª´Ù Áß¼Ò±â¾÷(SMB)ÀÌ »çÀ̹ö º¸¾È º¸Çè¿¡ °¡ÀÔÇÒ ¼ö ÀÖµµ·Ï Áö¿øÇß½À´Ï´Ù.
±âŸ ÇýÅÃ
- ¿¢¼¿ Çü½Ä ½ÃÀå ¿¹Ãø(ME) ½ÃÆ®
- 3°³¿ùÀÇ ¾Ö³Î¸®½ºÆ® ¼Æ÷Æ®
¸ñÂ÷
Á¦1Àå ¼·Ð
- Á¶»ç ÀüÁ¦ Á¶°Ç ¹× ½ÃÀå Á¤ÀÇ
- Á¶»ç ¹üÀ§
Á¦2Àå Á¶»ç ¹æ¹ý
Á¦3Àå ÁÖ¿ä ¿ä¾à
Á¦4Àå ½ÃÀå ÀλçÀÌÆ®
- ½ÃÀå °³¿ä
- »ê¾÷ ¹ë·ùüÀÎ ºÐ¼®
- »ê¾÷ ¸Å·Âµµ-Porter's Five Forces ºÐ¼®
- ½Å±Ô Âü°¡¾÷üÀÇ À§Çù
- ±¸¸ÅÀÚÀÇ Çù»ó·Â
- °ø±Þ±â¾÷ÀÇ Çù»ó·Â
- ´ëü Á¦Ç°ÀÇ À§Çù
- °æÀï ±â¾÷ °£ °æÀï°ü°èÀÇ ½É°¢¼º
- »ê¾÷ °¡À̵å¶óÀÎ ¹× Á¤Ã¥
- ½ÃÀå¿¡ ´ëÇÑ COVID-19ÀÇ ¿µÇâ Æò°¡
Á¦5Àå ½ÃÀå ¿ªÇÐ
- ½ÃÀå ¼ºÀå ÃËÁø ¿äÀÎ
- Ŭ¶ó¿ìµå ±â¹Ý ¼ºñ½º äÅà Áõ°¡
- µ¥ÀÌÅÍ º¸¾È ħÇØ Áõ°¡
- ½ÃÀå ¼ºÀå ¾ïÁ¦ ¿äÀÎ
- »çÀ̹ö º¸Çè µµÀÔÀÇ ¾î·Á¿ò°ú °í¾×ÀÇ ºñ¿ë
Á¦6Àå ½ÃÀå ¼¼ºÐÈ
- Á¶Á÷ ±Ô¸ðº°
- ÃÖÁ¾ ¿ëµµ »ê¾÷º°
- ÇコÄɾî
- ¼Ò¸Å
- BFSI
- IT ¹× Åë½Å
- Á¦Á¶¾÷
- ±âŸ ÃÖÁ¾ ¿ëµµ »ê¾÷
- Áö¿ª
- ºÏ¹Ì
- À¯·´
- µ¶ÀÏ
- ¿µ±¹
- ÇÁ¶û½º
- ±âŸ À¯·´
- ¾Æ½Ã¾Æ ÅÂÆò¾ç
- Àεµ
- Áß±¹
- ÀϺ»
- ½Ì°¡Æ÷¸£
- ±âŸ ¾Æ½Ã¾Æ ÅÂÆò¾ç
- ±âŸ ¼¼°è Áö¿ª
Á¦7Àå °æÀï ±¸µµ
- ±â¾÷ °³¿ä
- American International Group Inc.
- Zurich Insurance Co. Ltd
- Aon PLC
- Lockton Companies Inc.
- The Chubb Corporation
- AXA XL
- Berkshire Hathaway Inc.
- Insureon
- Security Scorecard Inc.
- Allianz Global Corporate &Specialty(AGCS)
- Munich Re Group
Á¦8Àå ÅõÀÚ ºÐ¼®
Á¦9Àå ½ÃÀå ±âȸ ¹× ÇâÈÄ µ¿Çâ
LYJ 24.03.22
The Cybersecurity Insurance Market size is estimated at USD 16.09 billion in 2024, and is expected to reach USD 39.58 billion by 2029, growing at a CAGR of 19.72% during the forecast period (2024-2029).
Increasing digitalization and rapid development in the cloud, Big Data, IoT, and artificial intelligence (AI) in business and society and the growing connectivity of everything have increased the workload of already strained IT teams.
Key Highlights
- IT advances, communication technologies, and the smart energy grid are changing the landscape of all every country's critical infrastructure and business networks. However, with rapidly evolving technology comes rapidly advancing threats. Personal data is valuable, which prompts cybercriminals to commit crimes, where personal information will be sold on the dark web, like a credit card number, identity, medical records, etc. It is among the few factors that have led to an increased demand for cybersecurity.
- Cloud computing is one of the most rapidly growing recent technologies, eliminating the traditional boundaries of IT, creating new markets, spurring the mobility trend, and enabling advances in unified communications. Various tech stakeholders and organizations are turning to new insurance models to mitigate the risks of storing sensitive data in the modern cybersecurity landscape.
- As the cybersecurity insurance space continues to mature, insurers will consider a broader range of security controls and technologies in their assessments. Hence, the sensitivity level of an organization's data and its ability to adequately obscure it will play a key role in determining the overall risk, which is driving the adoption of new technologies like micro shading. Microsharding technology breaks data into fragments that can be as small as single-digit bytes before polluting and distributing shards to multiple locations to reduce the attack surface and eliminate data sensitivity.
- Cyber insurance policies and businesses cover a wide range of risks, and insurers do not always agree on which loss events are covered. Cyber events have characteristics that make it challenging to write comprehensive policies, such as limited loss history, the unreliability of past data when predicting future events, and the possibility of a large-scale attack with highly correlated losses across companies and industries. Furthermore, insurers are still working on precise and accurate criteria for cyberattacks and the impact of new technologies like the Internet of Things. Cyber insurance coverage could be ineffective and expose firms to considerable damage if big cyberattacks occur without well-defined dangers and an understanding of how they affect insurers.
- The pandemic accelerated the adoption of digital tools, which has driven a greater need for cybersecurity insurance coverage. Various companies have been looking forward to combining insurance with cybersecurity tools to help businesses mitigate and manage cyber risk. In 2020, Coalition, a cyber insurance company, acquired BinaryEdge, a platform akin to BitSight and Security Scorecard that searches the internet and maps an organization's attack surface. The Coalition has merged terabytes of data from BinaryEdge with claims and other cybersecurity data sources to enable its risk evaluation process with machine learning and natural language processing. Further, due to the ongoing COVID-19 pandemic, countries worldwide have implemented preventive measures. With schools being closed and communities being asked to stay at home, multiple organizations found a way to enable employees to work from their homes. This resulted in a rise in the adoption of video communication platforms. In the past 6-8 months, the new domain registration on these video communication platforms, including Zoom, rapidly increased.
Cybersecurity Insurance Market Trends
The BFSI Segment is Estimated to Hold a Significant Share
- The BFSI industry is one of the critical infrastructure segments facing multiple data breaches and cyberattacks, owing to the massive client base that the sector serves and the financial information at stake. Cybercriminals are optimizing myriad diabolical cyberattacks to immobilize the financial industry since it is a highly lucrative operating model with amazing profits and the bonus of relatively little risk and detectability. Trojans, ATMs, ransomware, data breaches, institutional invasion, data thefts, fiscal breaches, and other threats are all part of the threat environment for these attacks, which further necessitated the demand for cybersecurity insurance in the BFSI sector.
- For instance, according to the data from Orange, the malware was the most frequent form of cyber attack in financial and insurance organizations between October 2021 and September 2022. The attack vector targeted over 40% of the world's organizations. Network and application anomalies came in second, with 23% of organizations reporting such cyberattacks, followed by System anomalies with 20%.
- Cybersecurity Insurance is increasingly becoming a vital part of banking and financial institutions. The industry is expected to command a significant global market share during the forecast period. It is one of the highly regulated, governed industries and is also prone to identity frauds that augment demand, thus further proliferating the demand for the cybersecurity insurance market in the BFSI sector.
- For instance, in October 2021, the Federal Trade Commission issued an amended rule that increases the data security precautions financial institutions must implement to secure their clients' financial data. In recent years, consumers have suffered enormous suffering due to massive data breaches and cyberattacks, including monetary loss, identity theft, and other forms of financial misery. The revised Safeguards Rule from the Federal Trade Commission requires non-banking financial firms, such as mortgage brokers, car dealers, and payday lenders, to establish, implement, and maintain a robust security system to protect their clients' information. Government policies will significantly drive the market.
- With increased security breaches, banks and financial institutes should adopt cybersecurity insurance to safeguard their customers' data and prevent economic losses. For instance, in December 2021, a huge security breach at Bitmart, a crypto trading platform, resulted in hackers removing about USD 200 million in assets. A stolen private key was the primary source of the security compromise, which affected two of its Ethereum and Binance innovative chain hot wallets.
The United States is Expected to Hold the Major Share in the North American Region
- The United States is considered the world's most prominent cybersecurity insurance market. The country is also home to a significant number of key players operating in the market, which is another reason for the country's high share.
- Cyberattacks in the United States are rising rapidly and have reached an all-time high, primarily owing to the rapidly increasing number of connected devices in the region. In the United States, consumers are using public clouds, and many of their mobile applications are preloaded with their personal information for the convenience of banking, shopping, communication, etc.
- According to the White House Council of Economic Advisers, the US economy loses approximately USD 57 billion to USD 109 billion per year to harmful cyber activity. To minimize this loss due to cyber attacks, the solutions offered by cyber security insurance providers are essential, and the demand for cyber security insurance is increasing in the region.
- The region has been witnessing a significant number of data breaches over the years. According to the report published in 2022 by the Identity Theft Resource Center, 1,789 data breach incidents have been recorded. The high number of data breaches encourages organizations across various industries to opt for cybersecurity insurance, driving the market's growth.
- The United States government signed the law to establish Cybersecurity and Infrastructure Security Agency (CISA) to enhance the defense against cyber attacks. It works with the federal government to provide cybersecurity tools, incident response services, and assessment capabilities to safeguard the governmental networks that support essential operations of the partner departments and agencies. As a result, it will open new avenues for the new and existing companies to invest in suitable cyber security suite designed for this industry.
Cybersecurity Insurance Industry Overview
The cybersecurity insurance market is moderately consolidated, with significant players offering superior technology and fostering growth through their existing distribution channels. These technology leaders are investing in innovations, mergers, acquisitions, and partnership activities to maintain a competitive edge in the market.
- February 2023 - CloudCover Re collaborated with insurance brokerage Hylant Global Captive Solutions (Hylant) to launch CloudCover CyberCell, a cybersecurity 'rent-a-captive' insurance program. Available to associations, affinity groups, and large enterprises, the program allows users to finance self-insured cyber risks at a manageable cost. This reduces the potential liability of cyber attacks and facilitates more significant revenue generation for companies, as they can provide cyber insurance at a lower cost and broader coverage.
- November 2022 - Agilicus, a cybersecurity firm, and Ridge Canada Cyber Solutions Inc.(RCCS), one of the leading managing general insurance agencies, collaborated to assist Canadian small to midsize businesses (SMBs) qualify for and obtain cybersecurity insurance.
Additional Benefits:
- The market estimate (ME) sheet in Excel format
- 3 months of analyst support
TABLE OF CONTENTS
1 INTRODUCTION
- 1.1 Study Assumptions and Market Definition
- 1.2 Scope of the Study
2 RESEARCH METHODOLOGY
3 EXECUTIVE SUMMARY
4 MARKET INSIGHTS
- 4.1 Market Overview
- 4.2 Industry Value Chain Analysis
- 4.3 Industry Attractiveness - Porter's Five Forces Analysis
- 4.3.1 Threat of New Entrants
- 4.3.2 Bargaining Power of Buyers
- 4.3.3 Bargaining Power of Suppliers
- 4.3.4 Threat of Substitute Products
- 4.3.5 Intensity of Competitive Rivalry
- 4.4 Industry Guidelines and Policies
- 4.5 Assessment of the Impact of COVID-19 on the Market
5 MARKET DYNAMICS
- 5.1 Market Drivers
- 5.1.1 Increasing Adoption of Cloud-based Services
- 5.1.2 Rising Data Security Breaches
- 5.2 Market Restraints
- 5.2.1 Difficulties in Implementing Cyber Insurance and High Costs
6 MARKET SEGMENTATION
- 6.1 Organization Size
- 6.1.1 Small and Medium Enterprises (SMEs)
- 6.2.2 Retail
- 6.2.3 BFSI
- 6.2.4 IT and Telecom
- 6.2.6 Other End-user Industries
- 6.3 Geography
- 6.3.1 North America
- 6.3.1.1 United States
- 6.3.1.2 Canada
- 6.3.2 Europe
- 6.3.2.1 Germany
- 6.3.2.2 United Kingdom
- 6.3.2.3 France
- 6.3.2.4 Rest of Europe
- 6.3.3 Asia-Pacific
- 6.3.3.1 India
- 6.3.3.2 China
- 6.3.3.3 Japan
- 6.3.3.4 Singapore
- 6.3.3.5 Rest of Asia-Pacific
- 6.3.4 Rest of the World
7 COMPETITIVE LANDSCAPE
- 7.1 Company Profiles
- 7.1.1 American International Group Inc.
- 7.1.2 Zurich Insurance Co. Ltd
- 7.1.3 Aon PLC
- 7.1.4 Lockton Companies Inc.
- 7.1.5 The Chubb Corporation
- 7.1.6 AXA XL
- 7.1.7 Berkshire Hathaway Inc.
- 7.1.8 Insureon
- 7.1.9 Security Scorecard Inc.
- 7.1.10 Allianz Global Corporate & Specialty (AGCS)
- 7.1.11 Munich Re Group
8 INVESTMENT ANALYSIS
9 MARKET OPPORTUNITIES AND FUTURE TRENDS