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With the increasing digitization of industries, trade, services and client/customer communication comes increased exposure to cyber risks and an expanding age of business vulnerabilities which must be identified, analysed and managed to minimize the impact of loss and ensure maximum preparedness. Where client data is being collected or transactions are made online, the traditional risks associated with commercial exchanges are enhanced.

The more traditional credit risk which questions the extent to which assurance can be gained that a default will not occur on a financial transaction has to be reconsidered within a digital business model which must concern itself with the integrity of virtual operations involving digital labour, data analytics, process automation, robotics, cloud computing and so on.








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