Search results for: Information security

Authors: M. Sarrab, H. Bourdoucen

Abstract:

Mobile applications are verified to check the correctness or evaluated to check the performance with respect to specific security properties such as Availability, Integrity and Confidentiality. Where they are made available to the end users of the mobile application is achievable only to a limited degree using software engineering static verification techniques. The more sensitive the information, such as credit card data, personal medical information or personal emails being processed by mobile application, the more important it is to ensure the confidentiality of this information. Monitoring untrusted mobile application during execution in an environment where sensitive information is present is difficult and unnerving. The paper addresses the issue of monitoring and controlling the flow of confidential information during untrusted mobile application execution. The approach concentrates on providing a dynamic and usable information security solution by interacting with the mobile users during the runtime of mobile application in response to information flow events.

Keywords: Mobile application, Run-time verification, Usable security, Direct information flow.

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Authors: Ja'far Alqatawna, Jawed Siddiqi, Babak Akhgar, Mohammad Hjouj Btoush

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A great deal of research works in the field information systems security has been based on a positivist paradigm. Applying the reductionism concept of the positivist paradigm for information security means missing the bigger picture and thus, the lack of holism which could be one of the reasons why security is still overlooked, comes as an afterthought or perceived from a purely technical dimension. We need to reshape our thinking and attitudes towards security especially in a complex and dynamic environment such as e- Business to develop a holistic understanding of e-Business security in relation to its context as well as considering all the stakeholders in the problem area. In this paper we argue the suitability and need for more inductive interpretive approach and qualitative research method to investigate e-Business security. Our discussion is based on a holistic framework of enquiry, nature of the research problem, the underling theoretical lens and the complexity of e-Business environment. At the end we present a research strategy for developing a holistic framework for understanding of e-Business security problems in the context of developing countries based on an interdisciplinary inquiry which considers their needs and requirements.

Keywords: e-Business Security, Complexity, Methodological considerations, interpretive qualitative research and Case study method.

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Authors: Nada Mouchfiq, Ahmed Habbani, Chaimae Benjbara

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The security aspect of the IoT occupies a place of great importance especially after the evolution that has known this field lastly because it must take into account the transformations and the new applications .Blockchain is a new technology dedicated to the data sharing. However, this does not work the same way in the different systems with different operating principles. This article will discuss network security using the Blockchain to facilitate the sending of messages and information, enabling the use of new processes and enabling autonomous coordination of devices. To do this, we will discuss proposed solutions to ensure a high level of security in these networks in the work of other researchers. Finally, our article will propose a method of security more adapted to our needs as a team working in the ad hoc networks, this method is based on the principle of the Blockchain and that we named ”MPR Blockchain”.

Keywords: Ad hoc networks, blockchain, MPR, security.

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Authors: Dong-Young Yoo, Jong-Whoi Shin, Gang Shin Lee, Jae-Il Lee

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As the disfunctions of the information society and social development progress, intrusion problems such as malicious replies, spam mail, private information leakage, phishing, and pharming, and side effects such as the spread of unwholesome information and privacy invasion are becoming serious social problems. Illegal access to information is also becoming a problem as the exchange and sharing of information increases on the basis of the extension of the communication network. On the other hand, as the communication network has been constructed as an international, global system, the legal response against invasion and cyber-attack from abroad is facing its limit. In addition, in an environment where the important infrastructures are managed and controlled on the basis of the information communication network, such problems pose a threat to national security. Countermeasures to such threats are developed and implemented on a yearly basis to protect the major infrastructures of information communication. As a part of such measures, we have developed a methodology for assessing the information protection level which can be used to establish the quantitative object setting method required for the improvement of the information protection level.

Keywords: Information Security Evaluation Methodology, Critical Information Infrastructure Protection.

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Authors: Ronald F. Gonzales, Gordon W. Romney, Pradip Peter Dey, Mohammad Amin, Bhaskar Raj Sinha

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A virtualized and virtual approach is presented on academically preparing students to successfully engage at a strategic perspective to understand those concerns and measures that are both structured and not structured in the area of cyber security and information assurance. The Master of Science in Cyber Security and Information Assurance (MSCSIA) is a professional degree for those who endeavor through technical and managerial measures to ensure the security, confidentiality, integrity, authenticity, control, availability and utility of the world-s computing and information systems infrastructure. The National University Cyber Security and Information Assurance program is offered as a Master-s degree. The emphasis of the MSCSIA program uniquely includes hands-on academic instruction using virtual computers. This past year, 2011, the NU facility has become fully operational using system architecture to provide a Virtual Education Laboratory (VEL) accessible to both onsite and online students. The first student cohort completed their MSCSIA training this past March 2, 2012 after fulfilling 12 courses, for a total of 54 units of college credits. The rapid pace scheduling of one course per month is immensely challenging, perpetually changing, and virtually multifaceted. This paper analyses these descriptive terms in consideration of those globalization penetration breaches as present in today-s world of cyber security. In addition, we present current NU practices to mitigate risks.

Keywords: Cyber security, information assurance, mitigate risks, virtual machines, strategic perspective.

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Authors: Marzieh Mokhtaripour

Abstract:

Security issue and the importance of the function of police to provide practical and psychological contexts in the community has been the main topics among researchers , police and security circles and this subject require to review and analysis mechanisms within the police and its interaction with other parts of the system for providing community safety. This paper examine national and social security in the Internet.

Keywords: Internet National security Social security

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Authors: Ritsuko Kawasaki (Aiba), Takeshi Hiromatsu

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Management is required to understand all information security risks within an organization, and to make decisions on which information security risks should be treated in what level by allocating how much amount of cost. However, such decision-making is not usually easy, because various measures for risk treatment must be selected with the suitable application levels. In addition, some measures may have objectives conflicting with each other. It also makes the selection difficult. Moreover, risks generally have trends and it also should be considered in risk treatment. Therefore, this paper provides the extension of the model proposed in the previous study. The original model supports the selection of measures by applying a combination of weighted average method and goal programming method for multi-objective analysis to find an optimal solution. The extended model includes the notion of weights to the risks, and the larger weight means the priority of the risk.

Keywords: Information security risk treatment, Selection of risk measures, Risk acceptanceand Multi-objective optimization.

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Authors: Kang Huang, Wanting Zhou, Shiwei Yuan, Lei Li

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Since information technology develops rapidly, the security issue has become an increasingly critical for computer system. In particular, as cloud computing and the Internet of Things (IoT) continue to gain widespread adoption, computer systems need to new security threats and attacks. The Root of Trust (RoT) is the foundation for providing basic trusted computing, which is used to verify the security and trustworthiness of other components. Designing a reliable RoT and guaranteeing its own security are essential for improving the overall security and credibility of computer systems. In this paper, we discuss the implementation of self-security technology based on the RISC-V RoT at the hardware level. To effectively safeguard the security of the RoT, researches on security safeguard technology on the RoT have been studied. At first, a lightweight and secure boot framework is proposed as a secure mechanism. Secondly, two kinds of memory protection mechanism are built to against memory attacks. Moreover, hardware implementation of proposed method has been also investigated. A series of experiments and tests have been carried on to verify to effectiveness of the proposed method. The experimental results demonstrated that the proposed approach is effective in verifying the integrity of the RoT’s own boot rom, user instructions, and data, ensuring authenticity and enabling the secure boot of the RoT’s own system. Additionally, our approach provides memory protection against certain types of memory attacks, such as cache leaks and tampering, and ensures the security of root-of-trust sensitive information, including keys.

Keywords: Root of Trust, secure boot, memory protection, hardware security.

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Authors: Jin-Tae Lee, Jung-Hoon Suh, Sang-Soo Jang, Jae-Il Lee

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Information and communication service providers (ICSP) that are significant in size and provide Internet-based services take administrative, technical, and physical protection measures via the information security check service (ISCS). These protection measures are the minimum action necessary to secure the stability and continuity of the information and communication services (ICS) that they provide. Thus, information assets are essential to providing ICS, and deciding the relative importance of target assets for protection is a critical procedure. The risk analysis model designed to decide the relative importance of information assets, which is described in this study, evaluates information assets from many angles, in order to choose which ones should be given priority when it comes to protection. Many-sided risk analysis (MSRS) grades the importance of information assets, based on evaluation of major security check items, evaluation of the dependency on the information and communication facility (ICF) and influence on potential incidents, and evaluation of major items according to their service classification, in order to identify the ISCS target. MSRS could be an efficient risk analysis model to help ICSPs to identify their core information assets and take information protection measures first, so that stability of the ICS can be ensured.

Keywords: Information Asset, Information CommunicationFacility, Evaluation, ISCS (Information Security Check Service), Evaluation, Grade.

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Authors: J. P. Dubois, P. G. Jreije

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In this paper, a framework is presented trying to make the most secure web system out of the available generic and web security technology which can be used as a guideline for organizations building their web sites. The framework is designed to provide necessary security services, to address the known security threats, and to provide some cover to other security problems especially unknown threats. The requirements for the design are discussed which guided us to the design of secure web system. The designed security framework is then simulated and various quality of service (QoS) metrics are calculated to measure the performance of this system.

Keywords: Web Security, Internet Voting, Firewall, QoS, Latency, Utilization, Throughput.

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Authors: Andrew John Zeller, Francis Pouatcha

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Working according to the DevOps principle has gained in popularity over the past decade. While its extension DevSecOps started to include elements of cybersecurity, most real-life projects do not focus risk and security until the later phases of a project as teams are often more familiar with engineering and infrastructure services. To help bridge the gap between security and engineering, this paper will take six building blocks of cybersecurity and apply them to the DevOps approach. After giving a brief overview of the stages in the DevOps lifecycle, the main part discusses to what extent six cybersecurity blocks can be utilized in various stages of the lifecycle. The paper concludes with an outlook on how to stay up to date in the dynamic world of cybersecurity.

Keywords: Information security, data security, cybersecurity, DevOps, IT management.

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Authors: Amirhossein Safi

Abstract:

Internet of things (IOT) is a kind of advanced information technology which has drawn societies’ attention. Sensors and stimulators are usually recognized as smart devices of our environment. Simultaneously, IOT security brings up new issues. Internet connection and possibility of interaction with smart devices cause those devices to involve more in human life. Therefore, safety is a fundamental requirement in designing IOT. IOT has three remarkable features: overall perception, reliable transmission, and intelligent processing. Because of IOT span, security of conveying data is an essential factor for system security. Hybrid encryption technique is a new model that can be used in IOT. This type of encryption generates strong security and low computation. In this paper, we have proposed a hybrid encryption algorithm which has been conducted in order to reduce safety risks and enhancing encryption's speed and less computational complexity. The purpose of this hybrid algorithm is information integrity, confidentiality, non-repudiation in data exchange for IOT. Eventually, the suggested encryption algorithm has been simulated by MATLAB software, and its speed and safety efficiency were evaluated in comparison with conventional encryption algorithm.

Keywords: Internet of things, security, hybrid algorithm, privacy.

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Authors: R. Haghighat far, H. Yarahmadi

Abstract:

A mobile agent is a software which performs an action autonomously and independently as a person or an organizations assistance. Mobile agents are used for searching information, retrieval information, filtering, intruder recognition in networks, and so on. One of the important issues of mobile agent is their security. It must consider different security issues in effective and secured usage of mobile agent. One of those issues is the integrity-s protection of mobile agents. In this paper, the advantages and disadvantages of each method, after reviewing the existing methods, is examined. Regarding to this matter that each method has its own advantage or disadvantage, it seems that by combining these methods, one can reach to a better method for protecting the integrity of mobile agents. Therefore, this method is provided in this paper and then is evaluated in terms of existing method. Finally, this method is simulated and its results are the sign of improving the possibility of integrity-s protection of mobile agents.

Keywords: Integrity, Mobile Agent, Security.

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Authors: Nathan C. Lea, Tony Austin, Stephen Hailes, Dipak Kalra

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This paper introduces a tool that is being developed for the expression of information security policy controls that govern electronic healthcare records. By reference to published findings, the paper introduces the theory behind the use of knowledge management for automatic and consistent security policy assertion using the formalism called the Secutype; the development of the tool and functionality is discussed; some examples of Secutypes generated by the tool are provided; proposed integration with existing medical record systems is described. The paper is concluded with a section on further work and critique of the work achieved to date.

Keywords: Information Security Policy, Electronic Healthcare Records, Knowledge Management, Archetypes, Secutypes.

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Authors: HangRok Lee, DoWon Hong

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Since communications between tag and reader in RFID system are by radio, anyone can access the tag and obtain its any information. And a tag always replies with the same ID so that it is hard to distinguish between a real and a fake tag. Thus, there are many security problems in today-s RFID System. Firstly, unauthorized reader can easily read the ID information of any Tag. Secondly, Adversary can easily cheat the legitimate reader using the collected Tag ID information, such as the any legitimate Tag. These security problems can be typically solved by encryption of messages transmitted between Tag and Reader and by authentication for Tag. In this paper, to solve these security problems on RFID system, we propose the Tag Authentication Scheme based on self shrinking generator (SSG). SSG Algorithm using in our scheme is proposed by W.Meier and O.Staffelbach in EUROCRYPT-94. This Algorithm is organized that only one LFSR and selection logic in order to generate random stream. Thus it is optimized to implement the hardware logic on devices with extremely limited resource, and the output generating from SSG at each time do role as random stream so that it is allow our to design the light-weight authentication scheme with security against some network attacks. Therefore, we propose the novel tag authentication scheme which use SSG to encrypt the Tag-ID transmitted from tag to reader and achieve authentication of tag.

Keywords: RFID system, RFID security, self shrinkinggeneratior, authentication, protocol.

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Authors: Yun Bai

Abstract:

This paper is to investigate the impplementation of security mechanism in object oriented database system. Formal methods plays an essential role in computer security due to its powerful expressiveness and concise syntax and semantics. In this paper, both issues of specification and implementation in database security environment will be considered; and the database security is achieved through the development of an efficient implementation of the specification without compromising its originality and expressiveness.

Keywords: database security, authorization policy, logic basedspecification

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Authors: Ashly Joseph

Abstract:

Modern businesses struggle significantly to secure and manage their data properly as the volume and complexity of their data both expand exponentially. Through the use of a multi-layered defense strategy, a centralized management platform, and cutting-edge technologies like AI, this research paper presents a comprehensive framework to integrate data security and management. The constraints of current data protection and management strategies, technological advancements, and the evolving threat landscape are all examined in this article. It suggests best practices for putting into practice integrated data security and governance models, placing an emphasis on ongoing adaptation. The advantages mentioned include a strengthened security posture, simpler procedures, lower costs, and reduced complexity. Additionally, issues including skill shortages, antiquated systems, and cultural obstacles are examined. Security executives and Chief Information Security Officers are given practical advice on how to evaluate, plan, and put into place strong data-centric security and management capabilities. The goal of the paper is to provide a thorough study of the data security and management landscape and to arm contemporary businesses with the knowledge they need to be proactive in protecting their data assets.

Keywords: Data security, security management, cloud computing, cybersecurity, data governance, security architecture, data management.

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Authors: Marinela Mircea

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The development of information and communication technology, the increased use of the internet, as well as the effects of the recession within the last years, have lead to the increased use of cloud computing based solutions, also called on-demand solutions. These solutions offer a large number of benefits to organizations as well as challenges and risks, mainly determined by data visualization in different geographic locations on the internet. As far as the specific risks of cloud environment are concerned, data security is still considered a peak barrier in adopting cloud computing. The present study offers an approach upon ensuring the security of cloud data, oriented towards the whole data life cycle. The final part of the study focuses on the assessment of data security in the cloud, this representing the bases in determining the potential losses and the premise for subsequent improvements and continuous learning.

Keywords: cloud computing, data life cycle, data security, security assessment.

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Authors: Alexander G. Yushchenko

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From a multi-science point of view, we analyze threats to security resulting from globalization of international information space and information and communication aggression of Russia. A definition of Ruschism is formulated as an ideology supporting aggressive actions of modern Russia against the Euro-Atlantic community. Stages of the hybrid war Russia is leading against Ukraine are described, including the elements of subversive activity of the special services, the activation of the military phase and the gradual shift of the focus of confrontation to the realm of information and communication technologies. We reveal an emergence of a threat for democratic states resulting from the destabilizing impact of a target state’s mass media and social networks being exploited by Russian secret services under freedom-of-speech disguise. Thus, we underline the vulnerability of cyber- and information security of the network society in regard of hybrid war. We propose to define the latter a synergetic war. Our analysis is supported with a long-term qualitative monitoring of representation of top state officials on popular TV channels and Facebook. From the memetics point of view, we have detected a destructive psycho-information technology used by the Kremlin, a kind of information catastrophe, the essence of which is explained in detail. In the conclusion, a comprehensive plan for information protection of the public consciousness and mentality of Euro-Atlantic citizens from the aggression of the enemy is proposed.

Keywords: Cyber and information security, psycho-information technology, hybrid war, synergetic war, WWIII, Ruschism.

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Authors: N. Alharbi

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E-government is becoming more important these days. However, the adoption of e-government is often slowed down by technical and non-technical security factors. Nowadays, there many security models that can make the e-government services more secure. This paper will explain the main security factors that affected the level of e-government security. Moreover, it will also analyse current existing models. Finally, the paper will suggest a comprehensive security model that will contain most of technical and non-technical factors.

Keywords: E-government, technical, non-technical, security model.

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Authors: Luc Cessieux, French Navy, Adrien Derock, DCNS/IMATH

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Security risk models have been successful in estimating the likelihood of attack for simple security threats. However, modeling complex system and their security risk is even a challenge. Many methods have been proposed to face this problem. Often difficult to manipulate, and not enough all-embracing they are not as famous as they should with administrators and deciders. We propose in this paper a new tool to model big systems on purpose. The software, takes into account attack threats and security strength.

Keywords: Security, risk management, threat, modelization.

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Authors: T. Männistö, M. Finger

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The events of October 2010, where terrorists managed to get explosive devices onboard of three passenger aircrafts and two air freighters, demonstrated weaknesses of the international air cargo and airmail security. Ever since, postal security has gained interest among policymakers and authorities. This study augments the limited body of academic literature on the topic bydemarcating areas of postal security, identifying relevant stakeholders in each area, and investigating why these stakeholders engage in postal security. Research is based on a case study on Swiss Post’s mail service.

Keywords: Dangerous goods, mail bombs, postal security, supply chain security, theft of mail, trafficking.

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Authors: M. Sandhya, R. M. Madhumitha, Sharmila Sankar

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Interoperable medical devices (IMDs) face threats due to the increased attack surface accessible by interoperability and the corresponding infrastructure. Initiating networking and coordination functionalities primarily modify medical systems' security properties. Understanding the threats is a vital first step in ultimately crafting security solutions for such systems. The key to this problem is coming up with some common types of threats or attacks with those of security and privacy, and providing this information as a roadmap. This paper analyses the security issues in interoperability of devices and presents the main types of threats that have to be considered to build a secured system.

Keywords: Interoperability, threats, attacks, medical devices.

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Authors: Souvik Bhattacharyya, Gautam Sanyal

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Recent years have witnessed the rapid development of the Internet and telecommunication techniques. Information security is becoming more and more important. Applications such as covert communication, copyright protection, etc, stimulate the research of information hiding techniques. Traditionally, encryption is used to realize the communication security. However, important information is not protected once decoded. Steganography is the art and science of communicating in a way which hides the existence of the communication. Important information is firstly hidden in a host data, such as digital image, video or audio, etc, and then transmitted secretly to the receiver.In this paper a data hiding model with high security features combining both cryptography using finite state sequential machine and image based steganography technique for communicating information more securely between two locations is proposed. The authors incorporated the idea of secret key for authentication at both ends in order to achieve high level of security. Before the embedding operation the secret information has been encrypted with the help of finite-state sequential machine and segmented in different parts. The cover image is also segmented in different objects through normalized cut.Each part of the encoded secret information has been embedded with the help of a novel image steganographic method (PMM) on different cuts of the cover image to form different stego objects. Finally stego image is formed by combining different stego objects and transmit to the receiver side. At the receiving end different opposite processes should run to get the back the original secret message.

Keywords: Cover Image, Finite state sequential machine, Melaymachine, Pixel Mapping Method (PMM), Stego Image, NCUT.

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Authors: Adriano Bessa Albuquerque, Francisco Jose Barreto Nunes

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Software vulnerabilities are increasing and not only impact services and processes availability as well as information confidentiality, integrity and privacy, but also cause changes that interfere in the development process. Security test could be a solution to reduce vulnerabilities. However, the variety of test techniques with the lack of real case studies of applying tests focusing on software development life cycle compromise its effective use. This paper offers an overview of how a Systematic Mapping Study (MS) about security verification, validation and test (VVT) was performed, besides presenting general results about this study.

Keywords: Software test, software security verification validation and test, security test institutionalization, systematic mapping study.

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Authors: M. S. Razana, Z. W. Shafiuddin

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Internal auditing is one of the most important activities for organizations that implement information security management systems (ISMS). The purpose of internal audits is to ensure the ISMS implementation is in accordance to the ISO/IEC 27001 standard and the organization’s own requirements for its ISMS. Competent internal auditors are the main element that contributes to the effectiveness of internal auditing activities. To realize this need, CyberSecurity Malaysia is now in the process of becoming a certification body that certifies ISMS internal auditors. The certification scheme will assess the competence of internal auditors in generic knowledge and skills in management systems, and also in ISMS-specific knowledge and skills. The certification assessment is based on the ISO/IEC 19011 Guidelines for auditing management systems, ISO/IEC 27007 Guidelines for information security management systems auditing and ISO/IEC 27001 Information security management systems requirements. The certification scheme complies with the ISO/IEC 17024 General requirements for bodies operating certification systems of persons. Candidates who pass the exam will be certified as an ISMS Internal Auditor, whose competency will be evaluated every three years.

Keywords: ISMS internal audit, ISMS internal auditor, ISO/IEC 17024, Competence, Certification.

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Authors: Ahmadu Girgiri, Lawan Gana Ali, Mamman M. Baba

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Environmental security clearly articulates the perfections and developments of various communities around the world irrespective of the region, culture, religion or social inclination. Although, the present state of insecurity has become serious issue devastating the peace, unity, stability and progress of man and his physical environment particularly in developing countries. Recently, measure of security and it management in Nigeria has been a bottle-neck to the effectiveness and advancement of various sectors that include; business, education, social relations, politics and above all an economy. Several measures have been considered on mitigating environment insecurity such as surveillance, demarcation, security personnel empowerment and the likes, but still the issue remains disturbing. In this paper, we present the application of new technology that contributes to the improvement of security surveillance known as “Wireless Sensor Network (WSN)”. The system is new, smart and emerging technology that provides monitoring, detection and aggregation of information using sensor nodes and wireless network. WSN detects, monitors and stores information or activities in the deployed area such as schools, environment, business centers, public squares, industries, and outskirts and transmit to end users. This will reduce the cost of security funding and eases security surveillance depending on the nature and the requirement of the deployment.

Keywords: Wireless sensor network, node, application, monitoring, insecurity, environment.

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Authors: Magdalena Naplavova, Tomas Ludik, Petr Hruza, Frantisek Bozek

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The use of IT equipment has become a part of every day. However, each device that is part of cyberspace should be secured against unauthorized use. It is very important to know the basics of these security devices, but also the basics of safe conduct their owners. This information should be part of every curriculum computer science education in primary and secondary schools. Therefore, the work focuses on the education of pupils in primary and secondary schools on the Internet. Analysis of the current state describes approaches to the education of pupils in security issues on the Internet. The paper presents a questionnaire-based survey which was carried out in the Czech Republic, whose task was to ascertain the level of opinion pupils in primary and secondary schools on the issue of communication in social networks. The research showed that awareness of socio-pathological phenomena on the Internet environment is very low. Based on the results it was proposed appropriate ways of teaching to this issue and its inclusion a proposal of curriculum for primary and secondary schools.

Keywords: Cyberspace, educational system, general awareness, information security, questionnaire, socio-pathological phenomena.

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Authors: Jiho Park, Yong-Gyu Lee, Gilwon Yoon

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Data security in u-Health system can be an important issue because wireless network is vulnerable to hacking. However, it is not easy to implement a proper security algorithm in an embedded u-health monitoring because of hardware constraints such as low performance, power consumption and limited memory size and etc. To secure data that contain personal and biosignal information, we implemented several security algorithms such as Blowfish, data encryption standard (DES), advanced encryption standard (AES) and Rivest Cipher 4 (RC4) for our u-Health monitoring system and the results were successful. Under the same experimental conditions, we compared these algorithms. RC4 had the fastest execution time. Memory usage was the most efficient for DES. However, considering performance and safety capability, however, we concluded that AES was the most appropriate algorithm for a personal u-Health monitoring system.

Keywords: biosignal, data encryption, security measures, u-health

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Authors: James A. Nelson

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The history of technology and banking is examined as it relates to risk and technological determinism. It is proposed that the services that banks offer are determined by technology and that banks must adopt new technologies to be competitive. The adoption of technologies paradoxically forces the adoption of other new technologies to protect the bank from the increased risk of technology. This cycle will lead to bank examiners and regulators to focus on human behavior, not on the ever changing technology.

Keywords: Banking, information security, risk, technologicaldeterminism.

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