%PDF-1.4 % 50 0 obj <> endobj 61 0 obj <> endobj 62 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.5 391.56 m W n .059998 783 603 -783 re W n /GS2 gs BT /F2 1 Tf 7 0 0 7 490.9714 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 512.4123 23.0228 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS3 gs BT 7 0 0 7 543.321 23.0228 Tm .05 .65 1 .01 k ( )Tj ET EMC /P <>BDC BT 7 0 0 7 545.054 23.0228 Tm [(V)6.4(OL 2)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS3 gs BT 7 0 0 7 587.3827 23.0228 Tm .05 .65 1 .01 k (1)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 36 22.1458 Tm 0 0 0 1 k [( 2019 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.4(ed. )]TJ ET EMC /P <>BDC BT /F3 1 Tf 7 0 0 7 143.4848 22.1458 Tm [(www)60.6(.isaca.or)9.3(g)]TJ ET EMC /P <>BDC BT /F2 1 Tf 9 0 0 9 38 586.3616 Tm -.005 Tc [(Financial technology \(ntech\) is a pr)9.8(ominent t)9.8(opic)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.2098 586.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 574.3616 Tm -.005 Tc [(for the banking and nancial ser)-8.8(vices industr)-8.8(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 219.0069 574.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 562.3616 Tm -.005 Tc [(worldwide. Although its disruptiv)6.4(e and inno)7.3(v)7.3(ativ)6.4(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.7681 562.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 550.3616 Tm -.005 Tc [(technologies pr)9.8(o)7.3(vide banking ser)-8.8(vices t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 198.8598 550.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 538.3616 Tm -.005 Tc [(populations who ne)6.4(v)6.4(er befor)9.3(e had access and)]TJ ET EMC /P <>BDC BT 9 0 0 9 219.2518 538.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 526.3616 Tm -.005 Tc [(easier inv)6.4(estment and loan pr)9.8(ocessing for others,)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.5962 526.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 514.3616 Tm -.005 Tc [(enterprises implementing ntech need t)9.8(o)0( addr)9.3(ess)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.6222 514.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 502.3616 Tm -.005 Tc [(the new risk fact)9.8(ors that ar)9.3(e associated with this)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.3782 502.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 490.3616 Tm -.005 Tc (solution. )Tj ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 38 464.3616 Tm .77 .33 .49 .09 k (What Is Fintech? )Tj ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 38 446.3616 Tm 0 0 0 1 k [(Fintech r)9.3(e)0(f)11.7(ers t)9.8(o)0( disruptiv)6.4(e technologies that enable)]TJ ET EMC /P <>BDC BT 9 0 0 9 242.6203 446.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 434.3616 Tm -.005 Tc [(the de)6.4(v)6.4(elopment of inno)7.3(v)7.3(ativ)6.4(e nancial systems)]TJ ET EMC /P <>BDC BT 9 0 0 9 227.906 434.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 422.3616 Tm -.005 Tc [(and the deliv)6.4(er)-8.8(y of nancial ser)-8.8(vices in a mor)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.0123 422.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 410.3616 Tm -.005 Tc [(ecient manner t)9.8(o)0( add gr)9.3(eater v)7.3(alue t)9.8(o)0( cust)9.8(omers.)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.4956 410.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 398.3616 Tm -.005 Tc [(E)9.3(conomic globalization de)6.4(v)6.4(elopments ha)7.3(v)6.4(e)0( r)9.3(esulted)]TJ ET EMC /P <>BDC BT 9 0 0 9 243.3056 398.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 386.3616 Tm -.005 Tc [(in incr)9.3(easing needs for nancial ser)-8.8(vices that ar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.6835 386.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 374.3616 Tm -.005 Tc [(div)6.4(erse and complex. Fintech brings inno)7.3(v)7.3(ations t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 238.0576 374.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 362.3616 Tm -.005 Tc [(consumer ser)-8.8(vices and banking and nancial back-)]TJ ET EMC /P <>BDC BT 9 0 0 9 38 350.3616 Tm [(end ser)-8.8(vices b)5.4(y)0( addr)9.3(essing this div)6.4(ersity and)]TJ ET EMC /P <>BDC BT 9 0 0 9 213.9236 350.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 338.3616 Tm -.005 Tc [(complexity and bringing a wide r)19.5(ange of benets t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.1737 338.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 326.3616 Tm -.005 Tc [(the economy)52.3(. Global banks and nancial ser)-8.8(vices)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.2818 326.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 314.3616 Tm -.005 Tc [(enterprises can le)6.4(v)6.4(e)0(r)19.5(age ntech t)9.8(o)0( impr)9.8(o)7.3(v)6.4(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 207.7128 314.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 302.3616 Tm -.005 Tc [(eciency)52.3(, lower oper)19.5(ating costs, and off)11.7(er a wider)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.0296 302.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 290.3616 Tm -.005 Tc [(r)19.5(ange of pr)9.8(oducts and ser)-8.8(vices. )]TJ ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 38 264.3616 Tm .77 .33 .49 .09 k (Fintech Brings Cybersecurity Risk )Tj ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 38 246.3616 Tm 0 0 0 1 k (Enterprises that implement ntech face)Tj ET EMC /P <>BDC BT 9 0 0 9 193.5578 246.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 234.3616 Tm -.005 Tc [(cybersecurity risk fr)9.8(om integr)19.5(ation issues such as)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.5311 234.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 222.3616 Tm -.005 Tc [(compatibility and legacy technologies. Integr)19.5(ation)]TJ ET EMC /P <>BDC BT 9 0 0 9 234.0276 222.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 210.3616 Tm -.005 Tc [(of ntech with tr)19.5(aditional banking systems ma)7.3(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 224.4166 210.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 198.3616 Tm -.005 Tc [(r)19.5(aise concerns r)9.3(egar)9.3(ding data priv)7.3(acy)52.3(. Fintech)]TJ ET EMC /P <>BDC BT 9 0 0 9 218.9236 198.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 186.3616 Tm -.005 Tc [(enterprises collect lar)9.3(ge v)7.3(olumes of cust)9.8(omer data,)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.0779 186.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 174.3616 Tm -.005 Tc [(including sensitiv)6.4(e personal information, making)]TJ ET EMC /P <>BDC BT 9 0 0 9 228.8794 174.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38 162.3616 Tm -.005 Tc [(them ripe tar)9.3(gets for hack)9.8(ers. )]TJ ET EMC /P <>BDC BT 9 0 0 9 256.5 586.3616 Tm [(Fintech brings easy access t)9.8(o)0( cor)9.3(e banking)]TJ ET EMC /P <>BDC BT 9 0 0 9 426.5731 586.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 574.3616 Tm -.005 Tc [(activities t)9.8(o)0( people who could not access these)]TJ ET EMC /P <>BDC BT 9 0 0 9 443.1221 574.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 562.3616 Tm -.005 Tc [(ser)-8.8(vices pr)9.3(e)6.4(viously)52.3(. )19.5(These new bank cust)9.8(omers)]TJ ET EMC /P <>BDC BT 9 0 0 9 444.0911 562.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 550.3616 Tm -.005 Tc [(ha)7.3(v)6.4(e)0( little or no pr)9.3(e)6.4(vious awar)9.3(eness of)]TJ ET EMC /P <>BDC BT 9 0 0 9 408.005 550.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 538.3616 Tm -.005 Tc [(cybersecurity risk and, ther)9.3(efor)9.3(e, ma)7.3(y be mor)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 437.9685 538.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 526.3616 Tm -.005 Tc [(exposed t)9.8(o)0( hack)9.8(ers. )]TJ ET EMC /P <>BDC BT 9 0 0 9 256.5 502.3616 Tm [(Fintech off)11.7(ers easily accessible ser)-8.8(vices thr)9.8(ough)]TJ ET EMC /P <>BDC BT 9 0 0 9 448.3013 502.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 490.3616 Tm -.005 Tc [(application pr)9.8(ogr)19.5(amming inter)-7.3(faces \(APIs\))]TJ ET EMC /P <>BDC BT 9 0 0 9 424.4121 490.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 478.3616 Tm -.005 Tc [(ex)9.8(clusiv)6.4(ely de)6.4(v)6.4(eloped for banks t)9.8(o)0( access the)]TJ ET EMC /P <>BDC BT 9 0 0 9 436.6774 478.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 466.3616 Tm -.005 Tc [(ntech platforms, which is called API banking. )19.5(The)]TJ ET EMC /P <>BDC BT 9 0 0 9 455.0106 466.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 454.3616 Tm -.005 Tc [(use of open APIs enables thir)9.3(d-par)-24.4(ty de)6.4(v)6.4(elopers t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 454.9712 454.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 442.3616 Tm -.005 Tc [(build applications and ser)-8.8(vices ar)9.8(ound the needs of)]TJ ET EMC /P <>BDC BT 9 0 0 9 459.3514 442.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 430.3616 Tm -.005 Tc (banks, which is called open banking. )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 406.3616 Tm (The complexities and technical dependencies that)Tj ET EMC /P <>BDC BT 9 0 0 9 454.2129 406.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 394.3616 Tm -.005 Tc [(exist between v)7.3(arious technologies integr)19.5(ated in a)]TJ ET EMC /P <>BDC BT 9 0 0 9 453.7231 394.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 382.3616 Tm -.005 Tc [(ntech ecosystem ha)7.3(v)6.4(e)0( made it a v)6.4(e)0(r)-8.8(y)0( ripe tar)9.3(get)]TJ ET EMC /P <>BDC BT 9 0 0 9 449.7963 382.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 370.3616 Tm -.005 Tc [(for hack)9.8(ers. Fintech implementation inter)-7.3(faces with)]TJ ET EMC /P <>BDC BT 9 0 0 9 459.7161 370.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 358.3616 Tm -.005 Tc [(banks, nancial ser)-8.8(vice pr)9.8(o)7.3(viders and ntech rms,)]TJ ET EMC /P <>BDC BT 9 0 0 9 457.5727 358.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 346.3616 Tm -.005 Tc [(which incr)9.3(eases cybersecurity risk as data elements)]TJ ET EMC /P <>BDC BT 9 0 0 9 461.72 346.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 334.3616 Tm -.005 Tc [(tr)19.5(a)7.3(v)6.4(el thr)9.8(ough these inter)-7.3(faces. )]TJ ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 256.5 308.3616 Tm .77 .33 .49 .09 k [(Thir)9.3(d-P)5.4(ar)-24.4(ty Security Risk )]TJ ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 256.5 290.3616 Tm 0 0 0 1 k [(When banks establish formal r)9.3(elationships with)]TJ ET EMC /P <>BDC BT 9 0 0 9 443.2375 290.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 278.3616 Tm -.005 Tc [(ntech ser)-8.8(vice pr)9.8(o)7.3(viders t)9.8(o)0( le)6.4(v)6.4(e)0(r)19.5(age their ser)-8.8(vices,)]TJ ET EMC /P <>BDC BT 9 0 0 9 454.9471 278.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 266.3616 Tm -.005 Tc [(banks tak)9.8(e on thir)9.3(d-par)-24.4(ty security risk such as data)]TJ ET EMC /P <>BDC BT 9 0 0 9 456.8366 266.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 254.3616 Tm -.005 Tc [(leakage, ser)-8.8(vice failur)9.3(es, litigation and r)9.3(eputational)]TJ ET EMC /P <>BDC BT 9 0 0 9 455.6173 254.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 242.3616 Tm -.005 Tc (damage. Banks should consider the ntech-)Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 230.3616 Tm [(r)9.3(elationship-r)9.3(elated risk in their thir)9.3(d-par)-24.4(ty risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 437.203 230.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 218.3616 Tm -.005 Tc (management assessment.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 361.9195 221.0615 Tm -.0083 Tc (1 )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 194.3616 Tm -.005 Tc [(T)48.4(o)0( mitigate thir)9.3(d-par)-24.4(ty security risk fact)9.8(ors,)]TJ ET EMC /P <>BDC BT 9 0 0 9 425.6066 194.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 182.3616 Tm -.005 Tc [(or)9.3(ganizations should consider implementing the)]TJ ET EMC /P <>BDC BT 9 0 0 9 446.7267 182.3616 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 256.5 170.3616 Tm -.005 Tc [(following pr)9.8(oactiv)6.4(e measur)9.3(es: )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 267.5 152.3616 Tm [(Thir)9.3(d-par)-24.4(ty security policies )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 256.5 152.3616 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /P <>BDC BT /F5 1 Tf 30 0 0 30 38 653.3669 Tm .05 .65 1 .01 k -.02 Tc (Cybersecurity and Fintech)Tj ET EMC /P <>BDC BT 30 0 0 30 363.2271 653.3669 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 30 0 0 30 38 619.3669 Tm -.02 Tc [(at a Cr)9.8(ossr)9.8(oads)]TJ ET EMC /Artifact <>BDC .77 .33 .49 .09 k 38 58.357 565.06 76.677 re f EMC /P <>BDC BT /F1 1 Tf 11 0 0 11 49.7373 120.5338 Tm 0 0 0 0 k (Vimal Mani,)Tj ET EMC /P <>BDC BT /F2 1 Tf 11 0 0 11 105.798 120.5338 Tm ( CISA, CISM, Six Sigma Black Belt )Tj ET EMC /P <>BDC BT 9 0 0 9 49.7373 109.734 Tm 0 Tc [(Is the head of information and cybersecurity oper)19.5(ations of Bank of Sharjah. He is r)9.3(esponsible for bank information and)]TJ ET EMC /P <>BDC BT 9 0 0 9 520.5366 109.734 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 49.7373 98.934 Tm [(cybersecurity pr)9.8(ogr)19.5(ams, coor)9.3(dinating security oper)19.5(ations acr)9.8(oss the bank br)19.5(anches in the Middle East. Mani is also r)9.3(esponsible)]TJ ET EMC /P <>BDC BT 9 0 0 9 556.0797 98.934 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 49.7373 88.1339 Tm [(for coor)9.3(dinating bankwide security str)19.5(ategy and standar)9.3(ds, leading periodic security risk assessment effor)-24.4(ts, incidents)]TJ ET EMC /P <>BDC BT 9 0 0 9 520.3302 88.1339 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 49.7373 77.334 Tm [(inv)6.4(estigation and r)9.3(esolution, and coor)9.3(dinating security awar)9.3(eness and tr)19.5(aining pr)9.8(ogr)19.6(ams. He is an activ)6.4(e member of the ISA)5.4(CA)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 552.4673 80.304 Tm ()Tj ET EMC /P <>BDC BT 9 0 0 9 556.7126 77.334 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 49.7373 66.5338 Tm [(Dubai \(United Ar)19.5(ab Emir)19.5(ates\) Chapter)60.1(. He can be r)9.3(eached at vimal.consultant@gmail.com.)]TJ ET EMC /Artifact <>BDC 36 693.239 74.322 54.884 re f EMC /Figure <>BDC Q q 1 i 36 748.123 58.5 -54.759 re W n .76078 .30588 .47451 .11373 k /GS3 gs q 1 0 0 1 36 748.123 cm 0 0 m 0 -54.884 l 9.375 -54.884 l 9.375 -9.945 l 49.977 -9.945 l 49.977 0 l 0 0 l f Q Q /GS3 gs BT /F6 1 Tf 9 0 0 9 55.1411 722.73 Tm .76078 .30588 .47451 .11373 k .0249 Tc 0 Tw (FEATURE)Tj ET EMC endstream endobj 63 0 obj <>/ExtGState<>>> endobj 90 0 obj <> endobj 95 0 obj <> endobj 110 0 obj <> endobj 115 0 obj <> endobj 120 0 obj <> endobj 125 0 obj <> endobj 130 0 obj <> endobj 135 0 obj <> endobj 150 0 obj <> endobj 155 0 obj <> endobj 160 0 obj <> endobj 169 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.5 391.56 m W n .059998 783 603 -783 re W n /GS2 gs BT /F2 1 Tf 7 0 0 7 414.6031 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [( 2019 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.4(ed. )]TJ ET EMC /P <>BDC BT /F3 1 Tf 7 0 0 7 522.0879 23.0228 Tm [(www)60.6(.isaca.or)9.3(g)]TJ ET EMC /P <>BDC BT /F2 1 Tf 7 0 0 7 39.7789 24.9858 Tm [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 61.2198 24.9858 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS3 gs BT 7 0 0 7 92.1285 24.9858 Tm .05 .65 1 .01 k ( )Tj ET EMC /P <>BDC BT 7 0 0 7 93.8614 24.9858 Tm [(V)6.4(OL 2)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.446 .46194 .51498 33 re f EMC /P <>BDC /GS3 gs BT 7 0 0 7 13.2407 24.9858 Tm .05 .65 1 .01 k (2)Tj ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 154.0529 656.2489 Tm 0 0 0 1 k -.005 Tc [(Nondisclosur)9.3(e agr)9.3(eements and condentiality)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 335.3486 656.2489 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143.0529 656.2489 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154.0529 644.2489 Tm 0 0 0 1 k -.005 Tc [(agr)9.3(eements )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 154.0529 626.2489 Tm [(P)6.4(eriodic security risk assessments of thir)9.3(d)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 321.7255 626.2489 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143.0529 626.2489 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154.0529 614.2489 Tm 0 0 0 1 k -.005 Tc [(par)-24.4(ties )]TJ ET EMC /P <>BDC BT 9 0 0 9 143.0529 590.2489 Tm [(T)48.4(o)0( eff)11.7(ectiv)6.4(ely addr)9.3(ess thir)9.3(d-par)-24.4(ty risk, or)9.3(ganizations)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.534 590.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 578.2489 Tm -.005 Tc [(need t)9.8(o)0( work with all those par)-24.4(ties pr)9.8(o)7.4(viding v)7.3(arious)]TJ ET EMC /P <>BDC BT 9 0 0 9 347.8929 578.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 566.2488 Tm -.005 Tc [(ser)-8.8(vices/pr)9.8(oducts t)9.8(o)0( them on an ongoing basis t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.2364 566.2488 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 554.2489 Tm -.005 Tc [(ensur)9.3(e that any curr)9.3(ent and futur)9.3(e risk within the)]TJ ET EMC /P <>BDC BT 9 0 0 9 333.6445 554.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 542.2489 Tm -.005 Tc [(ser)-8.8(vices/pr)9.8(oducts that the)6.4(y supply ar)9.3(e identied in)]TJ ET EMC /P <>BDC BT 9 0 0 9 341.9624 542.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 530.2489 Tm -.005 Tc [(a timely manner and appr)9.8(opriate risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 287.556 530.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 518.2489 Tm -.005 Tc [(pr)9.3(e)6.4(v)6.4(ention/mitigation measur)9.3(es ar)9.3(e tak)9.8(en. )]TJ ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 143.0529 492.2489 Tm .77 .33 .49 .09 k [(Malwar)9.3(e A)8.3(ttacks )]TJ ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 143.0529 474.2489 Tm 0 0 0 1 k [(Hack)9.8(ers tar)9.3(geting the Society for W)15.2(orldwide)]TJ ET EMC /P <>BDC BT 9 0 0 9 316.3418 474.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 462.2489 Tm -.005 Tc [(Interbank Financial )19.5(T)48.4(elecommunication \(SWIF)-9.7(T\))]TJ ET EMC /P <>BDC BT 9 0 0 9 332.7621 462.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 450.2489 Tm -.005 Tc [(system ar)9.3(e getting mor)9.3(e sophisticated. )19.5(The SWIF)-9.7(T)]TJ ET EMC /P <>BDC BT 9 0 0 9 342.106 450.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 438.2489 Tm -.005 Tc [(system is used b)5.4(y)0( banks and nancial ser)-8.8(vices)]TJ ET EMC /P <>BDC BT 9 0 0 9 327.3216 438.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 426.2489 Tm -.005 Tc [(or)9.3(ganizations worldwide t)9.8(o)0( secur)9.3(ely tr)19.5(ansf)11.7(er)]TJ ET EMC /P <>BDC BT 9 0 0 9 317.769 426.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 414.2489 Tm -.005 Tc [(information about nancial tr)19.5(ansactions. )19.5(The)]TJ ET EMC /P <>BDC BT 9 0 0 9 320.2782 414.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 402.2489 Tm -.005 Tc [(sophistication le)6.4(v)6.4(el of malwar)9.3(e is demonstr)19.5(ated b)5.4(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 343.5367 402.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 390.2489 Tm -.005 Tc [(r)9.3(ecent cyber)19.5(attacks on the SWIF)-9.7(T/aut)9.8(omated teller)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.3199 390.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 378.2489 Tm -.005 Tc [(machine \(A)63(TM\) infr)19.5(astructur)9.3(e of the second-lar)9.3(gest)]TJ ET EMC /P <>BDC BT 9 0 0 9 345.1583 378.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 366.2489 Tm -.005 Tc (bank in India.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 195.4388 368.9489 Tm 0 Tc (2)Tj ET EMC /P <>BDC BT 9 0 0 9 198.426 366.2489 Tm -.005 Tc [( A r)9.3(ecent r)9.3(epor)-24.4(t illustr)19.5(ates that easily)]TJ ET EMC /P <>BDC BT 9 0 0 9 342.969 366.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 354.2489 Tm -.005 Tc [(exploitable vulner)19.5(abilities ar)9.3(e pr)9.3(e)6.4(v)7.3(alent in banks,)]TJ ET EMC /P <>BDC BT 9 0 0 9 333.0767 354.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 342.2489 Tm -.005 Tc [(and hack)9.8(ers tak)9.8(e adv)7.3(antage of these vulner)19.5(abilities)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.8803 342.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 330.2489 Tm -.005 Tc [(b)5.4(y)0( launching malwar)9.3(e attacks.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 262.8748 332.9489 Tm 0 Tc (3)Tj ET EMC /P <>BDC BT 9 0 0 9 265.8621 330.2489 Tm -.005 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 306.2489 Tm [(T)48.4(o)0( addr)9.3(ess malwar)9.3(e risk, or)9.3(ganizations should)]TJ ET EMC /P <>BDC BT 9 0 0 9 326.2098 306.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 294.2489 Tm -.005 Tc [(consider implementing the following pr)9.8(oactiv)6.4(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 325.6253 294.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 282.2489 Tm -.005 Tc [(measur)9.3(es: )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 154.0529 264.2489 Tm (Endpoint security solutions )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143.0529 264.2489 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154.0529 246.2489 Tm 0 0 0 1 k -.005 Tc [(Endpoint pr)9.8(otection and pr)9.3(e)6.4(v)6.4(ention \(EPP\))]TJ ET EMC /LBody <>BDC BT 9 0 0 9 316.9695 246.2489 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143.0529 246.2489 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154.0529 234.2489 Tm 0 0 0 1 k -.005 Tc (solutions )Tj ET EMC /LBody <>BDC BT 9 0 0 9 154.0529 216.2489 Tm [(Endpoint detection and r)9.3(esponse \(EDR\) solutions )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143.0529 216.2489 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154.0529 198.2489 Tm 0 0 0 1 k -.005 Tc [(Sandbo)10.3(x-driv)6.4(en email gatewa)7.3(y ser)-8.8(v)6.4(ers )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143.0529 198.2489 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154.0529 180.2489 Tm 0 0 0 1 k -.005 Tc [(Distributed denial of ser)-8.8(vice \(DDoS\) pr)9.3(e)6.4(v)6.4(ention)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 338.1174 180.2489 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143.0529 180.2489 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154.0529 168.2489 Tm 0 0 0 1 k -.005 Tc (solutions )Tj ET EMC /LBody <>BDC BT 9 0 0 9 154.0529 150.2489 Tm [(Ongoing security awar)9.3(eness and tr)19.5(ainings on)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 331.332 150.2489 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143.0529 150.2489 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154.0529 138.2489 Tm 0 0 0 1 k -.005 Tc [(malwar)9.3(e attacks )]TJ ET EMC /P <>BDC BT 9 0 0 9 143.0529 114.2489 Tm [(T)48.4(o)0( eff)11.7(ectiv)6.4(ely addr)9.3(ess the emer)9.3(ging inno)7.3(v)7.3(ativ)6.4(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 326.1429 114.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 102.2489 Tm -.005 Tc [(cyber)19.5(attacks, the inter)19.5(action of v)7.3(arious new-age)]TJ ET EMC /P <>BDC BT 9 0 0 9 331.3658 102.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 90.2489 Tm -.005 Tc [(malwar)9.3(e pr)9.3(e)6.4(v)6.4(ention technologies including host)]TJ ET EMC /P <>BDC BT 9 0 0 9 331.6185 90.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 78.2489 Tm -.005 Tc [(and network-based IDS, EPP and other emer)9.3(ging)]TJ ET EMC /P <>BDC BT 9 0 0 9 333.764 78.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 66.2489 Tm -.005 Tc (new technologies such as EDR is needed.)Tj ET EMC /P <>BDC BT 9 0 0 9 306.5768 66.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143.0529 54.2489 Tm -.005 Tc [(Combining v)7.3(arious malwar)9.3(e pr)9.3(e)6.4(v)6.4(ention)]TJ ET EMC /P <>BDC BT 9 0 0 9 296.8857 54.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 656.2489 Tm -.005 Tc [(technologies pr)9.8(o)7.3(vides r)9.8(obust co)7.3(v)6.4(e)0(r)19.5(age against the)]TJ ET EMC /P <>BDC BT 9 0 0 9 560.3194 656.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 644.2489 Tm -.005 Tc [(dynamic and inno)7.3(v)7.3(ativ)6.4(e malwar)9.3(e attacks emer)9.3(ging)]TJ ET EMC /P <>BDC BT 9 0 0 9 561.5826 644.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 632.2489 Tm -.005 Tc [(in the industr)-8.8(y these da)7.3(ys. )]TJ ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 361.5 606.2489 Tm .77 .33 .49 .09 k (Data Leakages )Tj ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 361.5 588.2489 Tm 0 0 0 1 k [(Financial data such as pa)7.3(yment car)9.3(d information)]TJ ET EMC /P <>BDC BT 9 0 0 9 554.1295 588.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 576.2489 Tm -.005 Tc [(and user cr)9.3(edentials ar)9.3(e vulner)19.5(able t)9.8(o)0( data-leakage)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.0487 576.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 564.2489 Tm -.005 Tc [(attacks when banks v)6.4(entur)9.3(e int)9.8(o ntech)]TJ ET EMC /P <>BDC BT 9 0 0 9 518.2091 564.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 552.2489 Tm -.005 Tc [(par)-24.4(tnerships with thir)9.3(d-par)-24.4(ty ntech rms.)]TJ ET EMC /P <>BDC BT 9 0 0 9 527.0292 552.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 540.2489 Tm -.005 Tc [(A)5.4(u)0(t)9.8(omated systems that inter)-7.3(face with ntech)]TJ ET EMC /P <>BDC BT 9 0 0 9 544.1437 540.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 528.2489 Tm -.005 Tc [(ser)-8.8(vice pr)9.8(o)7.3(viders ar)9.3(e par)-24.4(ticularly vulner)19.5(able t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 542.3732 528.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 516.2489 Tm -.005 Tc [(sensitiv)6.4(e nancial data leaks. )]TJ ET EMC /P <>BDC BT 9 0 0 9 361.5 492.2489 Tm [(T)48.4(o)0( addr)9.3(ess the data leakage risk, or)9.3(ganizations)]TJ ET EMC /P <>BDC BT 9 0 0 9 547.0807 492.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 480.2489 Tm -.005 Tc (should consider implementing the following)Tj ET EMC /P <>BDC BT 9 0 0 9 534.2187 480.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 468.2489 Tm -.005 Tc [(pr)9.8(oactiv)6.4(e measur)9.3(es: )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 372.5 450.2489 Tm (Data classication for all the critical information)Tj ET EMC /LBody <>BDC BT 9 0 0 9 561.8206 450.2489 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 361.5 450.2489 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 370.5 438.2489 Tm 0 0 0 1 k -.005 Tc (assets )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.5 420.2489 Tm [(Data leakage/loss pr)9.3(e)6.4(v)6.4(ention \(DLP\) solutions )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 361.5 420.2489 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 372.5 402.2489 Tm 0 0 0 1 k -.005 Tc [(Disabling Univ)6.4(ersal Serial Bus \(USB\) and CD)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 545.1122 402.2489 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 361.5 402.2489 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 372.5 390.2489 Tm 0 0 0 1 k -.005 Tc [(driv)6.4(es in lapt)9.8(ops and deskt)9.8(ops )]TJ ET EMC /P <>BDC BT 9 0 0 9 361.5 366.2489 Tm [(Data loss is a common and per)9.3(ennial pr)9.8(oblem)]TJ ET EMC /P <>BDC BT 9 0 0 9 542.5409 366.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 354.2489 Tm -.005 Tc [(faced b)5.4(y)0( global or)9.3(ganizations that has no single)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.791 354.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 342.2489 Tm -.005 Tc [(silv)6.4(er bullet solution. Or)9.3(ganizations should consider)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.9163 342.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 330.2489 Tm -.005 Tc [(le)6.4(v)6.4(e)0(r)19.5(aging v)7.3(arious best pr)19.5(actices ar)9.8(ound DLP)]TJ ET EMC /P <>BDC BT 9 0 0 9 539.3714 330.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 318.2489 Tm -.005 Tc [(implementing best of br)9.3(eed DLP solutions that will)]TJ ET EMC /P <>BDC BT 9 0 0 9 560.2128 318.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 306.2489 Tm -.005 Tc [(better t the needs of or)9.3(ganizations. Also,)]TJ ET EMC /P <>BDC BT 9 0 0 9 525.8812 306.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 294.2489 Tm -.005 Tc [(or)9.3(ganizations should focus on identifying all the)]TJ ET EMC /P <>BDC BT 9 0 0 9 550.3218 294.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 282.2489 Tm -.005 Tc (potential data loss modes and prioritizing them)Tj ET EMC /P <>BDC BT 9 0 0 9 547.6387 282.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 270.2489 Tm -.005 Tc [(based on past br)9.3(eaches, the lik)9.8(elihood of br)9.3(eaches)]TJ ET EMC /P <>BDC BT 9 0 0 9 561.3685 270.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 258.2489 Tm -.005 Tc [(and the number of potential users ha)7.3(ving access t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.4252 258.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 246.2489 Tm -.005 Tc (those data loss modes. )Tj ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 361.5 220.2489 Tm .77 .33 .49 .09 k (Data Integrity Risk )Tj ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 361.5 202.2489 Tm 0 0 0 1 k [(Mobile de)6.4(vices pla)7.3(y a pr)9.3(edominant r)9.8(ole in ntech)]TJ ET EMC /P <>BDC BT 9 0 0 9 554.124 202.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 190.2489 Tm -.005 Tc [(banking ser)-8.8(vices. If mobile de)6.4(vices without str)9.8(ong)]TJ ET EMC /P <>BDC BT 9 0 0 9 558.6483 190.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 178.2489 Tm -.005 Tc [(encr)-8.8(yption algorithms ar)9.3(e used for ntech ser)-8.8(vices,)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.2528 178.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 166.2489 Tm -.005 Tc [(integrity issues r)9.3(egar)9.3(ding the nancial data that ar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.4089 166.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 154.2489 Tm -.005 Tc [(communicated o)7.3(v)6.4(er the cluster of ntech inter)-7.3(faces)]TJ ET EMC /P <>BDC BT 9 0 0 9 565.5302 154.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 142.2489 Tm -.005 Tc [(ma)7.3(y r)9.3(esult. Resear)9.3(chers found that the integrity of)]TJ ET EMC /P <>BDC BT 9 0 0 9 558.5507 142.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 130.2488 Tm -.005 Tc [(data that ar)9.3(e gather)9.3(ed fr)9.8(om ntech applications)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.5944 130.2488 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 118.2488 Tm -.005 Tc [(such as mobile mone)6.4(y applications v)7.3(aried)]TJ ET EMC /P <>BDC BT 9 0 0 9 526.9038 118.2488 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 106.2488 Tm -.005 Tc [(dr)19.5(amatically acr)9.8(oss their samples.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 496.9437 108.9489 Tm -.0083 Tc (4 )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 82.2488 Tm -.005 Tc [(T)48.4(o)0( addr)9.3(ess the data integrity risk, or)9.3(ganizations)]TJ ET EMC /P <>BDC BT 9 0 0 9 548.2036 82.2488 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 70.2488 Tm -.005 Tc (should consider implementing the following)Tj ET EMC /P <>BDC BT 9 0 0 9 534.2187 70.2488 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 58.2488 Tm -.005 Tc [(pr)9.8(oactiv)6.4(e measur)9.3(es: )]TJ ET EMC Q endstream endobj 170 0 obj <>/ExtGState<>>> endobj 190 0 obj <> endobj 195 0 obj <> endobj 200 0 obj <> endobj 205 0 obj <> endobj 220 0 obj <> endobj 225 0 obj <> endobj 230 0 obj <> endobj 235 0 obj <> endobj 240 0 obj <> endobj 245 0 obj <> endobj 252 0 obj <> endobj 259 0 obj <> endobj 260 0 obj <> endobj 261 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.5 391.56 m W n .059998 783 603 -783 re W n /GS2 gs BT /F2 1 Tf 7 0 0 7 36.9471 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [( 2019 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.4(ed. )]TJ ET EMC /P <>BDC BT /F3 1 Tf 7 0 0 7 144.4321 23.0228 Tm [(www)60.6(.isaca.or)9.3(g)]TJ ET EMC /P <>BDC BT /F2 1 Tf 7 0 0 7 488.5055 23.0228 Tm [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 509.9464 23.0228 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS3 gs BT 7 0 0 7 540.8551 23.0228 Tm .05 .65 1 .01 k ( )Tj ET EMC /P <>BDC BT 7 0 0 7 542.588 23.0228 Tm [(V)6.4(OL 2)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 569.898 0 .51599 31.289 re f EMC /P <>BDC /GS3 gs BT 7 0 0 7 584.9167 23.0228 Tm .05 .65 1 .01 k (3)Tj ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 47 656.2489 Tm 0 0 0 1 k -.005 Tc [(A r)9.8(obust input v)7.3(alidation contr)9.8(ols )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 36 656.2489 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 47 638.2489 Tm 0 0 0 1 k -.005 Tc [(Solutions pr)9.3(e)6.4(v)6.4(enting entr)-8.8(y of err)9.8(oneous inputs )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 36 638.2489 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 47 620.2489 Tm 0 0 0 1 k -.005 Tc [(Pr)9.8(o)7.3(vision of access rights strictly on a need-t)9.8(o-)]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 36 620.2489 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 47 608.2489 Tm 0 0 0 1 k -.005 Tc (know basis )Tj ET EMC /LBody <>BDC BT 9 0 0 9 47 590.2489 Tm (Robust backups )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 36 590.2489 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 36 566.2488 Tm 0 0 0 1 k -.005 Tc [(Implementing data management t)9.8(ools, r)9.8(obust)]TJ ET EMC /P <>BDC BT 9 0 0 9 216.3431 566.2488 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 554.2489 Tm -.005 Tc [(backup and r)9.3(eco)7.3(v)6.4(e)0(r)-8.8(y)0( systems, making copies of all)]TJ ET EMC /P <>BDC BT 9 0 0 9 236.6123 554.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 542.2489 Tm -.005 Tc [(the data, r)9.8(obust st)9.8(or)19.5(age media management, and)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.9664 542.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 530.2489 Tm -.005 Tc [(eff)11.7(ectiv)6.4(e management of st)9.8(or)19.5(age de)6.4(vices such as)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.5846 530.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 518.2489 Tm -.005 Tc [(SAN, N)-8.8(AS and D)10.3(AS will help or)9.3(ganizations addr)9.3(ess)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.2334 518.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 506.2489 Tm -.005 Tc [(data integrity issues. Maintaining audit tr)19.5(ails helps)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.7868 506.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 494.2489 Tm -.005 Tc [(or)9.3(ganizations tr)19.5(ack data integrity issues in an)]TJ ET EMC /P <>BDC BT 9 0 0 9 214.6285 494.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 482.2489 Tm -.005 Tc [(eff)11.7(ectiv)6.4(e manner)60.1(. )19.5(T)48.4(o)0( addr)9.3(ess data security and)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.4436 482.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 470.2489 Tm -.005 Tc [(integrity pr)9.8(oblems in softwar)9.3(e de)6.4(v)6.4(elopment,)]TJ ET EMC /P <>BDC BT 9 0 0 9 208.911 470.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 458.2489 Tm -.005 Tc [(or)9.3(ganizations ha)7.3(v)6.4(e)0( star)-24.4(ted using methodologies)]TJ ET EMC /P <>BDC BT 9 0 0 9 226.2882 458.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 446.2489 Tm -.005 Tc [(such as De)6.4(vSecOps and the Open W)15.2(eb Application)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.4068 446.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 434.2489 Tm -.005 Tc [(Security Pr)9.8(oject \(OW)21(ASP\) standar)9.3(ds. De)6.4(vSecOps is)]TJ ET EMC /P <>BDC BT 9 0 0 9 237.5537 434.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 422.2489 Tm -.005 Tc [(a r)9.3(ecent de)6.4(v)6.4(elopment methodology that)]TJ ET EMC /P <>BDC BT 9 0 0 9 193.2947 422.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 410.2489 Tm -.005 Tc [(emphasiz)7.8(es people and pr)9.8(ocesses and seeks t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 225.0685 410.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 398.2489 Tm -.005 Tc [(impr)9.8(o)7.3(v)6.4(e the le)6.4(v)6.4(el of collabor)19.5(ation between)]TJ ET EMC /P <>BDC BT 9 0 0 9 202.8389 398.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 386.2489 Tm -.005 Tc [(de)6.4(v)6.4(elopment, security and I)14.2(T)19.5( oper)19.5(ations teams. )]TJ ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 36 360.2489 Tm .77 .33 .49 .09 k [(Cloud Envir)17.6(onment Security Risk )]TJ ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 36 342.2489 Tm 0 0 0 1 k (Cloud computing is one of the major enablers of a)Tj ET EMC /P <>BDC BT 9 0 0 9 233.1362 342.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 330.2489 Tm -.005 Tc [(ntech ecosystem. P)5.4(a)7.3(yment gatewa)7.3(ys, digital)]TJ ET EMC /P <>BDC BT 9 0 0 9 216.1225 330.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 318.2489 Tm -.005 Tc [(wallets and secur)9.3(e online pa)7.3(yments ar)9.3(e some of the)]TJ ET EMC /P <>BDC BT 9 0 0 9 241.2166 318.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 306.2489 Tm -.005 Tc [(niche cloud computing ser)-8.8(vices pr)9.8(o)7.3(vided in a)]TJ ET EMC /P <>BDC BT 9 0 0 9 213.7 306.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 294.2489 Tm -.005 Tc [(ntech ecosystem. F)10.3(or example, making pa)7.3(yments)]TJ ET EMC /P <>BDC BT 9 0 0 9 236.2375 294.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 282.2489 Tm -.005 Tc [(is v)6.4(e)0(r)-8.8(y)0( easy and fast thr)9.8(ough cloud computing.)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.1754 282.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 270.2489 Tm -.005 Tc (Maintaining the condentiality and security of)Tj ET EMC /P <>BDC BT 9 0 0 9 215.715 270.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 258.2489 Tm -.005 Tc [(nancial information is critical t)9.8(o)0( banks and)]TJ ET EMC /P <>BDC BT 9 0 0 9 208.3024 258.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 246.2489 Tm -.005 Tc [(nancial ser)-8.8(vices. Lack of adequate cloud security)]TJ ET EMC /P <>BDC BT 9 0 0 9 234.7303 246.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 234.2489 Tm -.005 Tc [(measur)9.3(es can r)9.3(esult in compr)9.8(omise and corruption)]TJ ET EMC /P <>BDC BT 9 0 0 9 237.3691 234.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 222.2489 Tm -.005 Tc [(of this sensitiv)6.4(e information. )19.5(This risk can be)]TJ ET EMC /P <>BDC BT 9 0 0 9 212.4796 222.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 210.2489 Tm -.005 Tc [(a)7.3(v)7.3(oided with a str)9.8(ong encr)-8.8(yption mechanism for the)]TJ ET EMC /P <>BDC BT 9 0 0 9 241.0981 210.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 198.2489 Tm -.005 Tc (cloud platform. )Tj ET EMC /P <>BDC BT 9 0 0 9 36 174.2489 Tm [(T)48.4(o)0( addr)9.3(ess the cloud-envir)9.8(onment-r)9.3(elated security)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.5274 174.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 162.2489 Tm -.005 Tc [(risk, or)9.3(ganizations should consider implementing)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.6699 162.2489 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36 150.2489 Tm -.005 Tc [(the following pr)9.8(oactiv)6.4(e measur)9.3(es: )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 47 132.2489 Tm [(Risk assessment of the cloud ser)-8.8(vice pr)9.8(o)7.3(vider)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 228.1091 132.2489 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 36 132.2489 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 47 120.2489 Tm 0 0 0 1 k -.005 Tc [(befor)9.3(e establishing the r)9.3(elationship )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 47 102.2489 Tm [(Robust encr)-8.8(yption technologies )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 36 102.2489 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 47 84.2489 Tm 0 0 0 1 k -.005 Tc (DLP solutions )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 36 84.2489 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 47 66.2489 Tm 0 0 0 1 k -.005 Tc [(DDoS pr)9.3(e)6.4(v)6.4(ention solutions )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 36 66.2489 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 265.5 473.026 Tm 0 0 0 1 k -.005 Tc (API security solutions )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 254.5 473.026 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 265.5 455.026 Tm 0 0 0 1 k -.005 Tc (Single sign on \(SSO\) solutions )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 254.5 455.026 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 254.5 431.026 Tm 0 0 0 1 k -.005 Tc [(Assessing the security postur)9.3(e of cloud ser)-8.8(vice)]TJ ET EMC /P <>BDC BT 9 0 0 9 440.6608 431.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 419.026 Tm -.005 Tc [(pr)9.8(o)7.3(viders \(CSPs\) is essential in ensuring security of)]TJ ET EMC /P <>BDC BT 9 0 0 9 456.8879 419.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 407.026 Tm -.005 Tc [(information maintained b)5.4(y)0( them. Encr)-8.8(yption and)]TJ ET EMC /P <>BDC BT 9 0 0 9 444.3575 407.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 395.026 Tm -.005 Tc [(digital signatur)9.3(es should be consider)9.3(ed as the)]TJ ET EMC /P <>BDC BT 9 0 0 9 435.5728 395.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 383.026 Tm -.005 Tc [(critical condentiality and integrity pr)9.8(otection)]TJ ET EMC /P <>BDC BT 9 0 0 9 432.3496 383.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 371.026 Tm -.005 Tc (mechanisms for information maintained in public)Tj ET EMC /P <>BDC BT 9 0 0 9 448.8784 371.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 359.026 Tm -.005 Tc [(cloud envir)9.8(onments. Legacy applications ma)7.3(y need)]TJ ET EMC /P <>BDC BT 9 0 0 9 456.3613 359.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 347.026 Tm -.005 Tc [(analysis and enhancement befor)9.3(e deplo)7.3(ying them)]TJ ET EMC /P <>BDC BT 9 0 0 9 450.7252 347.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 335.026 Tm -.005 Tc [(in cloud envir)9.8(onments. Data r)9.3(eplication pr)9.8(o)7.3(vided t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 454.8246 335.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 323.026 Tm -.005 Tc [(CSPs should not be consider)9.3(ed as the only option)]TJ ET EMC /P <>BDC BT 9 0 0 9 449.9189 323.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 311.026 Tm -.005 Tc (for backing up the information maintained in a)Tj ET EMC /P <>BDC BT 9 0 0 9 436.689 311.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 299.026 Tm -.005 Tc [(cloud envir)9.8(onment. Also, priv)7.3(acy assur)19.5(ance)]TJ ET EMC /P <>BDC BT 9 0 0 9 425.2323 299.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 287.026 Tm -.005 Tc [(r)9.3(esponsibilities should be r)9.3(e)6.4(viewed if or)9.3(ganizations)]TJ ET EMC /P <>BDC BT 9 0 0 9 455.8562 287.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 275.026 Tm -.005 Tc [(consider mo)7.3(ving personally identiable information)]TJ ET EMC /P <>BDC BT 9 0 0 9 456.7811 275.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 263.026 Tm -.005 Tc [(\(PII\) t)9.8(o)0( a cloud envir)9.8(onment. )]TJ ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 254.5 125.026 Tm .77 .33 .49 .09 k [(A)23.5(pplication Security Risk )]TJ ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 254.5 107.026 Tm 0 0 0 1 k [(Fintech implementation is driv)6.4(en b)5.4(y)0( v)7.3(arious banking)]TJ ET EMC /P <>BDC BT 9 0 0 9 459.0785 107.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 95.026 Tm -.005 Tc [(systems that need t)9.8(o)0( access nancial pr)9.8(oles of)]TJ ET EMC /P <>BDC BT 9 0 0 9 445.1783 95.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 83.026 Tm -.005 Tc [(banking cust)9.8(omers t)9.8(o)0( per)-7.3(form r)9.3(eal-time)]TJ ET EMC /P <>BDC BT 9 0 0 9 411.1915 83.026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5 71.026 Tm -.005 Tc [(tr)19.5(ansactions. Applications ar)9.3(e alwa)7.3(ys pr)9.3(ef)11.7(er)19.5(able)]TJ ET EMC /P <>BDC BT 9 0 0 9 443.7403 71.026 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q q 1 i 216.399 698.858 460.8 -259.2 re W n 254.5 662.999 349.502 -172.5 re 445.968 71.026 m W* n 0 783 603 -783 re 301.5 391.56 m W n .059998 783 603 -783 re W n /GS3 gs q 352.525 0 0 -176.155 252.911 664.886 cm /Im2 Do Q EMC /Artifact <>BDC Q q 1 i 0 783 603 -783 re 301.5 391.56 m W n .059998 783 603 -783 re W n .77 .33 .49 .09 k /GS3 gs 254.5 143 347.264 105.118 re f EMC /P <>BDC BT /F2 1 Tf 14 0 0 14 290.7461 218.5475 Tm 0 0 0 0 k .0351 Tc -.0175 Tw [(A)8.3(U)0(T)13.6(O)0(M)-8.8(A)63(TED)17.5( SY)7.8(STEMS)17.5( )19.6(TH)-8.8(A)63(T)37.1( IN)14.1(TERF)83(A)5.3(C)0(E)]TJ ET EMC /P <>BDC BT 14 0 0 14 564.6281 218.5475 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 263.7461 200.5475 Tm .0351 Tc -.0175 Tw [(WI)14.1(TH)17.5( FIN)14.1(TECH)17.5( SER)9.2(VICE)17.5( PRO)10.7(VIDERS)17.5( ARE)]TJ ET EMC /P <>BDC BT 14 0 0 14 537.1768 200.5475 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 263.7461 182.5475 Tm .0351 Tc -.0175 Tw [(P)67.3(A)0(R)39(TICUL)-9.3(ARL)116.7(Y)17.5( VULNERABLE)17.5( )19.6(T)13.6(O)17.5( SENSI)14.1(TIVE)]TJ ET EMC /P <>BDC BT 14 0 0 14 555.422 182.5475 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 263.7461 164.5475 Tm .0351 Tc -.0175 Tw [(FIN)-8.8(ANCI)-8.8(AL)17.5( D)10.2(A)63(T)38.5(A)17.5( LEAKS)17.5(.)]TJ ET EMC /Figure <>BDC Q q 1 i 432.621 174.126 23 -23.75 re W n .61961 .05098 .98824 0 k /GS3 gs q 1 0 0 1 450.725 163.838 cm 0 0 m -.099 -2.881 -.579 -5.075 -1.441 -6.582 c -2.301 -8.089 -3.643 -9.223 -5.464 -9.985 c -3.279 -13.462 l -.265 -12.104 1.937 -10.101 3.328 -7.452 c 4.389 -5.464 4.918 -2.252 4.918 2.186 c 4.918 10.382 l -4.67 10.382 l -4.67 0 l 0 0 l h -12.64 0 m -12.739 -2.881 -13.219 -5.075 -14.081 -6.582 c -14.941 -8.089 -16.283 -9.223 -18.104 -9.985 c -15.919 -13.462 l -12.905 -12.104 -10.703 -10.101 -9.312 -7.452 c -8.251 -5.464 -7.722 -2.252 -7.722 2.186 c -7.722 10.382 l -17.31 10.382 l -17.31 0 l -12.64 0 l f Q EMC /Figure <>BDC Q q 1 i 263.693 243.973 23 -23.75 re W n .61961 .05098 .98824 0 k /GS3 gs q 1 0 0 1 268.611 230.605 cm 0 0 m .099 2.881 .579 5.075 1.441 6.582 c 2.301 8.089 3.643 9.223 5.464 9.985 c 3.279 13.462 l .265 12.104 -1.937 10.101 -3.328 7.452 c -4.389 5.464 -4.918 2.252 -4.918 -2.186 c -4.918 -10.382 l 4.67 -10.382 l 4.67 0 l 0 0 l h 12.64 0 m 12.739 2.881 13.219 5.075 14.081 6.582 c 14.941 8.089 16.283 9.223 18.104 9.985 c 15.919 13.462 l 12.905 12.104 10.703 10.101 9.312 7.452 c 8.251 5.464 7.722 2.252 7.722 -2.186 c 7.722 -10.382 l 17.31 -10.382 l 17.31 0 l 12.64 0 l f Q EMC Q endstream endobj 262 0 obj <>/XObject<>/ExtGState<>>> endobj 276 0 obj <> endobj 281 0 obj <> endobj 286 0 obj <> endobj 291 0 obj <> endobj 296 0 obj <> endobj 301 0 obj <> endobj 306 0 obj <> endobj 311 0 obj <> endobj 326 0 obj <> endobj 331 0 obj <> endobj 336 0 obj <> endobj 351 0 obj <> endobj 352 0 obj <> endobj 353 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.5 391.56 m W n .059998 783 603 -783 re W n /GS2 gs BT /F2 1 Tf 7 0 0 7 414.6031 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [( 2019 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.4(ed. )]TJ ET EMC /P <>BDC BT /F3 1 Tf 7 0 0 7 522.0879 23.0228 Tm [(www)60.6(.isaca.or)9.3(g)]TJ ET EMC /P <>BDC BT /F2 1 Tf 9 0 0 9 143 457.4979 Tm -.005 Tc [(attack v)6.4(ect)9.8(ors due t)9.8(o)0( the vulner)19.5(abilities that ar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 329.6938 457.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 445.4979 Tm -.005 Tc [(hidden in their design and code. I)14.2(T)19.5( leaders who ar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 342.8763 445.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 433.4979 Tm -.005 Tc [(planning t)9.8(o)0( implement ntech need t)9.8(o)0( ensur)9.3(e that)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.0034 433.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 421.4979 Tm -.005 Tc [(foolpr)9.8(oof application security measur)9.3(es ar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 314.7992 421.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 409.4979 Tm -.005 Tc [(implemented t)9.8(o)0( pr)9.8(otect the cust)9.8(omer data that)]TJ ET EMC /P <>BDC BT 9 0 0 9 327.5105 409.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 397.4979 Tm -.005 Tc [(r)9.3(eside in the v)7.3(arious banking systems that will get)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.1498 397.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 385.4979 Tm -.005 Tc (connected with a ntech platform. Design that is)Tj ET EMC /P <>BDC BT 9 0 0 9 334.2353 385.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 373.4979 Tm -.005 Tc [(driv)6.4(en b)5.4(y)0( OW)21(ASP guidelines, code r)9.3(e)6.4(views and)]TJ ET EMC /P <>BDC BT 9 0 0 9 326.4217 373.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 361.4979 Tm -.005 Tc [(penetr)19.5(ation testing needs t)9.8(o)0( be per)-7.3(formed during)]TJ ET EMC /P <>BDC BT 9 0 0 9 336.4414 361.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 349.4979 Tm -.005 Tc [(ntech integr)19.5(ation. )]TJ ET EMC /P <>BDC BT 9 0 0 9 143 325.4979 Tm [(T)48.4(o)0( addr)9.3(ess the application security risk,)]TJ ET EMC /P <>BDC BT 9 0 0 9 298.9853 325.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 313.4979 Tm -.005 Tc [(or)9.3(ganizations should consider implementing the)]TJ ET EMC /P <>BDC BT 9 0 0 9 333.2267 313.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 301.4979 Tm -.005 Tc [(following pr)9.8(oactiv)6.4(e measur)9.3(es: )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 154 283.4979 Tm [(P)6.4(eriodic vulner)19.5(ability analysis )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143 283.4979 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154 265.4979 Tm 0 0 0 1 k -.005 Tc [(V)21.5(endor r)9.3(ecommended patches in timely manner )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143 265.4979 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154 247.4979 Tm 0 0 0 1 k -.005 Tc (Conducting application security risk)Tj ET EMC /LBody <>BDC BT 9 0 0 9 295.0403 247.4979 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143 247.4979 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154 235.4979 Tm 0 0 0 1 k -.005 Tc [(assessments in periodic inter)-8.8(v)7.3(als )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 154 217.4979 Tm [(OW)21(ASP guidelines for application de)6.4(v)6.4(elopment )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143 217.4979 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154 199.4979 Tm 0 0 0 1 k -.005 Tc [(De)6.4(vSecOps standar)9.3(ds for application)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 300.3632 199.4979 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143 199.4979 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154 187.4979 Tm 0 0 0 1 k -.005 Tc [(de)6.4(v)6.4(elopment )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 154 169.4979 Tm [(W)15.2(eb application r)9.3(ewalls \()-8.8(W)21(AF\) )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143 169.4979 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154 151.4979 Tm 0 0 0 1 k -.005 Tc [(SSL pr)9.8(o)10.3(xies )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143 151.4979 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 154 133.4979 Tm 0 0 0 1 k -.005 Tc [(Multifact)9.8(or authentication \(MF)83(A\) solutions )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 143 133.4979 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 143 109.4979 Tm 0 0 0 1 k -.005 Tc (Implementing techniques such as Static Application)Tj ET EMC /P <>BDC BT 9 0 0 9 347.9838 109.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 97.4979 Tm -.005 Tc [(Security )19.5(T)48.4(esting \(SAST\), Sour)9.3(ce Code Analysis)]TJ ET EMC /P <>BDC BT 9 0 0 9 325.8713 97.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 85.4979 Tm -.005 Tc [(\(SCA\), Dynamic Application Security )19.5(T)48.4(esting)]TJ ET EMC /P <>BDC BT 9 0 0 9 316.5043 85.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 73.4979 Tm -.005 Tc [(\(D)10.3(AST\), penetr)19.5(ation testing, Runtime Analysis,)]TJ ET EMC /P <>BDC BT 9 0 0 9 323.5939 73.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 61.4979 Tm -.005 Tc [(A)5.4(u)0(t)9.8(omated Regr)9.3(ession )19.5(T)48.4(esting and adopting)]TJ ET EMC /P <>BDC BT 9 0 0 9 318.5937 61.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 49.4979 Tm -.005 Tc [(De)6.4(vSecOps methodologies in application)]TJ ET EMC /P <>BDC BT 9 0 0 9 304.8375 49.4979 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 643.5065 Tm -.005 Tc [(de)6.4(v)6.4(elopment helps or)9.3(ganizations addr)9.3(ess)]TJ ET EMC /P <>BDC BT 9 0 0 9 526.2809 643.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 631.5065 Tm -.005 Tc [(application security risk eff)11.7(ectiv)6.4(ely)52.3(. Adopting)]TJ ET EMC /P <>BDC BT 9 0 0 9 537.6237 631.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 619.5065 Tm -.005 Tc [(De)6.4(vSecOps helps or)9.3(ganizations identify and)]TJ ET EMC /P <>BDC BT 9 0 0 9 534.6361 619.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 607.5065 Tm -.005 Tc [(addr)9.3(ess application security vulner)19.5(abilities)]TJ ET EMC /P <>BDC BT 9 0 0 9 529.1013 607.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 595.5065 Tm -.005 Tc [(thr)9.8(oughout the continuous integr)19.5(ation and)]TJ ET EMC /P <>BDC BT 9 0 0 9 527.6498 595.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 583.5065 Tm -.005 Tc [(continuous deplo)7.3(yment envir)9.8(onments. As mor)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 548.2054 583.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 571.5065 Tm -.005 Tc [(or)9.3(ganizations globally ha)7.3(v)6.4(e)0( star)-24.4(ted adopting Agile)]TJ ET EMC /P <>BDC BT 9 0 0 9 558.4681 571.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 559.5065 Tm -.005 Tc [(methodologies for r)9.3(ealizing faster application)]TJ ET EMC /P <>BDC BT 9 0 0 9 540.758 559.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 547.5065 Tm -.005 Tc [(deplo)7.3(yments, incorpor)19.5(ating De)6.4(vSecOps int)9.8(o their)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.4923 547.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 535.5065 Tm -.005 Tc [(de)6.4(v)6.4(elopment envir)9.8(onments helps them in)]TJ ET EMC /P <>BDC BT 9 0 0 9 524.3263 535.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 523.5065 Tm -.005 Tc [(identifying security risk fact)9.8(ors within applications)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.1243 523.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 511.5065 Tm -.005 Tc (at a faster pace. )Tj ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 361.5 485.5065 Tm .77 .33 .49 .09 k (Digital Identity Risk )Tj ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 361.5 467.5065 Tm 0 0 0 1 k [(Intr)9.8(oduction of technology-driv)6.4(en banking using)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.3658 467.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 455.5065 Tm -.005 Tc [(mobile de)6.4(vices with one-time passwor)9.3(ds \(O)13.2(TPs\))]TJ ET EMC /P <>BDC BT 9 0 0 9 552.009 455.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 443.5065 Tm -.005 Tc [(and security codes cr)9.3(eates the risk of digital)]TJ ET EMC /P <>BDC BT 9 0 0 9 535.3527 443.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 431.5065 Tm -.005 Tc [(identities of banking cust)9.8(omers being misused.)]TJ ET EMC /P <>BDC BT 9 0 0 9 548.3342 431.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 419.5065 Tm -.005 Tc [(Most ntech applications ar)9.3(e web applications or)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.6533 419.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 407.5065 Tm -.005 Tc [(ser)-8.8(vices wher)9.3(e mobile de)6.4(vices work as fr)9.8(ont end.)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.3457 407.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 395.5065 Tm -.005 Tc [(So banks and nancial ser)-8.8(vices or)9.3(ganizations need)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.1538 395.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 383.5065 Tm -.005 Tc [(t)9.8(o)0( r)9.3(e)6.4(visit their electr)9.8(onic banking security)]TJ ET EMC /P <>BDC BT 9 0 0 9 523.0236 383.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 371.5065 Tm -.005 Tc [(ar)9.3(chitectur)9.3(e t)9.8(o)0( addr)9.3(ess these risk fact)9.8(ors befor)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 551.1788 371.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 359.5065 Tm -.005 Tc (planning for ntech implementation. )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 335.5065 Tm [(T)48.4(o)0( addr)9.3(ess digital identity-r)9.3(elated risk, or)9.3(ganizations)]TJ ET EMC /P <>BDC BT 9 0 0 9 566.8038 335.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 323.5065 Tm -.005 Tc (should consider implementing the following)Tj ET EMC /P <>BDC BT 9 0 0 9 534.2187 323.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 311.5065 Tm -.005 Tc [(pr)9.8(oactiv)6.4(e measur)9.3(es: )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 372.5 293.5065 Tm [(Implementation of r)9.8(obust digital identity-pr)9.8(oong)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 565.7471 293.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 361.5 293.5065 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 372.5 281.5065 Tm 0 0 0 1 k -.005 Tc (methods )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.5 263.5065 Tm [(Implementation of identity fr)19.5(aud pr)9.3(e)6.4(v)6.4(ention)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 542.9764 263.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 361.5 263.5065 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 372.5 251.5065 Tm 0 0 0 1 k -.005 Tc (solutions )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.5 233.5065 Tm [(Implementation of best pr)19.5(actices such as the US)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 564.0704 233.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 361.5 233.5065 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 372.5 221.5065 Tm 0 0 0 1 k -.005 Tc [(National Institute of Standar)9.3(ds and )19.5(T)48.4(echnology)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 557.8751 221.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.5 209.5065 Tm -.005 Tc (\(NIST\) Special Publication \(SP\) 800-63 Digital)Tj ET EMC /LBody <>BDC BT 9 0 0 9 551.6788 209.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 372.5 197.5065 Tm -.005 Tc (Identity Guidelines )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 173.5065 Tm (Analysis of identity theft incidents is critical for)Tj ET EMC /P <>BDC BT 9 0 0 9 546.1174 173.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 161.5065 Tm -.005 Tc [(understanding the natur)9.3(e of identity theft and)]TJ ET EMC /P <>BDC BT 9 0 0 9 539.7297 161.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 149.5065 Tm -.005 Tc [(identifying eff)11.7(ectiv)6.4(e solutions for pr)9.3(e)6.4(v)6.4(enting such)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.8831 149.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 137.5065 Tm -.005 Tc [(theft fr)9.8(om happening in the futur)9.3(e. Incr)9.3(easing the)]TJ ET EMC /P <>BDC BT 9 0 0 9 554.7196 137.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 125.5064 Tm -.005 Tc [(awar)9.3(eness of identity thefts better enables)]TJ ET EMC /P <>BDC BT 9 0 0 9 529.7308 125.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 113.5064 Tm -.005 Tc [(or)9.3(ganizations t)9.8(o)0( de)6.4(v)6.4(elop management str)19.5(ategies)]TJ ET EMC /P <>BDC BT 9 0 0 9 554.68 113.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 101.5064 Tm -.005 Tc [(and r)9.8(obust identity go)7.3(v)6.4(ernance for pr)9.3(e)6.4(v)6.4(enting)]TJ ET EMC /P <>BDC BT 9 0 0 9 540.2889 101.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 89.5064 Tm -.005 Tc [(identity theft. Also, or)9.3(ganizations should consider)]TJ ET EMC /P <>BDC BT 9 0 0 9 556.2391 89.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 77.5064 Tm -.005 Tc [(implementing compr)9.3(ehensiv)6.4(e identity management)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.3873 77.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 65.5064 Tm -.005 Tc [(solutions t for diff)11.7(er)9.3(ent application domains. )]TJ ET EMC /P <>BDC BT 7 0 0 7 39.7789 24.9858 Tm 0 Tc [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 61.2198 24.9858 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS3 gs BT 7 0 0 7 92.1285 24.9858 Tm .05 .65 1 .01 k ( )Tj ET EMC /P <>BDC BT 7 0 0 7 93.8614 24.9858 Tm [(V)6.4(OL 2)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.446 .46194 .51498 33 re f EMC /P <>BDC /GS3 gs BT 7 0 0 7 13.2407 24.9858 Tm .05 .65 1 .01 k (4)Tj ET EMC /Artifact <>BDC .77 .33 .49 .09 k .32394 475.385 349.553 174.871 re f EMC /P <>BDC BT 14 0 0 14 61.9886 620.6863 Tm 0 0 0 0 k .0351 Tc -.0175 Tw [(I)14.1(T)37.1( LEADERS)17.5( WHO)17.5( ARE)17.5( PL)-9.3(ANNING)17.6( )19.6(T)13.6(O)]TJ ET EMC /P <>BDC BT 14 0 0 14 305.9154 620.6863 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 34.9886 602.6863 Tm .0351 Tc -.0175 Tw [(IMPLEMEN)14.1(T)37.1( FIN)14.1(TECH)17.5( NEED)17.5( )19.6(T)13.6(O)17.6( ENSURE)]TJ ET EMC /P <>BDC BT 14 0 0 14 302.0005 602.6863 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 34.9886 584.6863 Tm .0351 Tc -.0175 Tw [(TH)-8.8(A)63(T)37.1( FOOLPROOF)17.5( APPLICA)63(TION)17.5( SECURI)14.1(T)-7.8(Y)]TJ ET EMC /P <>BDC BT 14 0 0 14 325.4613 584.6863 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 34.9886 566.6863 Tm .0351 Tc -.0175 Tw [(MEASURES)17.5( ARE)17.5( IMPLEMEN)14.1(TED)17.5( )19.6(T)13.6(O)17.5( PRO)13.2(TEC)14.1(T)]TJ ET EMC /P <>BDC BT 14 0 0 14 334.6694 566.6863 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 34.9886 548.6863 Tm .0351 Tc -.0175 Tw [(THE)17.5( CUST)13.6(OMER)17.5( D)10.2(A)63(T)38.5(A)17.5( )19.6(TH)-8.8(A)63(T)37.1( RESIDE)17.5( IN)17.5( )19.6(THE)]TJ ET EMC /P <>BDC BT 14 0 0 14 324.06 548.6863 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 34.9886 530.6863 Tm .0351 Tc -.0175 Tw [(V)36.6(ARIOUS)17.5( BANKING)17.6( SY)7.8(STEMS)17.5( )19.6(TH)-8.8(A)63(T)37.1( WILL)]TJ ET EMC /P <>BDC BT 14 0 0 14 307.3324 530.6863 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 34.9886 512.6863 Tm .0351 Tc -.0175 Tw [(GE)-9.8(T)37.1( CONNEC)14.1(TED)17.5( WI)14.1(TH)17.5( A)17.5( FIN)14.1(TECH)]TJ ET EMC /P <>BDC BT 14 0 0 14 267.4174 512.6863 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 34.9886 494.6863 Tm .0351 Tc [(PL)-9.3(A)63(TFORM)17.6(.)]TJ ET EMC /Figure <>BDC Q q 1 i 118.449 504.51 23 -23.75 re W n .61961 .05098 .98824 0 k /GS3 gs q 1 0 0 1 136.553 494.222 cm 0 0 m -.099 -2.881 -.579 -5.075 -1.441 -6.582 c -2.301 -8.089 -3.643 -9.223 -5.464 -9.985 c -3.279 -13.462 l -.265 -12.104 1.937 -10.101 3.328 -7.452 c 4.389 -5.464 4.918 -2.252 4.918 2.186 c 4.918 10.382 l -4.67 10.382 l -4.67 0 l 0 0 l h -12.64 0 m -12.739 -2.881 -13.219 -5.075 -14.081 -6.582 c -14.941 -8.089 -16.283 -9.223 -18.104 -9.985 c -15.919 -13.462 l -12.905 -12.104 -10.703 -10.101 -9.312 -7.452 c -8.251 -5.464 -7.722 -2.252 -7.722 2.186 c -7.722 10.382 l -17.31 10.382 l -17.31 0 l -12.64 0 l f Q EMC /Figure <>BDC Q q 1 i 34.936 646.112 23 -23.75 re W n .61961 .05098 .98824 0 k /GS3 gs q 1 0 0 1 39.854 632.744 cm 0 0 m .099 2.881 .579 5.075 1.441 6.582 c 2.301 8.089 3.643 9.223 5.464 9.985 c 3.279 13.462 l .265 12.104 -1.937 10.101 -3.328 7.452 c -4.389 5.464 -4.918 2.252 -4.918 -2.186 c -4.918 -10.382 l 4.67 -10.382 l 4.67 0 l 0 0 l h 12.64 0 m 12.739 2.881 13.219 5.075 14.081 6.582 c 14.941 8.089 16.283 9.223 18.104 9.985 c 15.919 13.462 l 12.905 12.104 10.703 10.101 9.312 7.452 c 8.251 5.464 7.722 2.252 7.722 -2.186 c 7.722 -10.382 l 17.31 -10.382 l 17.31 0 l 12.64 0 l f Q EMC Q endstream endobj 354 0 obj <>/ExtGState<>>> endobj 394 0 obj <> endobj 399 0 obj <> endobj 404 0 obj <> endobj 405 0 obj <> endobj 406 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.5 391.56 m W n .059998 783 603 -783 re W n /GS2 gs BT /F2 1 Tf 7 0 0 7 36.9471 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [( 2019 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.4(ed. )]TJ ET EMC /P <>BDC BT /F3 1 Tf 7 0 0 7 144.4321 23.0228 Tm [(www)60.6(.isaca.or)9.3(g)]TJ ET EMC /P <>BDC BT /F2 1 Tf 7 0 0 7 488.5055 23.0228 Tm [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 509.9464 23.0228 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS3 gs BT 7 0 0 7 540.8551 23.0228 Tm .05 .65 1 .01 k ( )Tj ET EMC /P <>BDC BT 7 0 0 7 542.588 23.0228 Tm [(V)6.4(OL 2)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 569.898 0 .51599 31.289 re f EMC /P <>BDC /GS3 gs BT 7 0 0 7 584.9167 23.0228 Tm .05 .65 1 .01 k (5)Tj ET EMC /P <>BDC BT /F1 1 Tf 11 0 0 11 36.9471 642.0065 Tm .77 .33 .49 .09 k -.005 Tc [(Legacy Banking Systems Ar)9.3(e Risk)]TJ ET EMC /P <>BDC BT 11 0 0 11 203.3528 642.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 11 0 0 11 36.9471 628.0065 Tm -.005 Tc [(F)16.6(act)14.7(ors for Fintech Implementation )]TJ ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 36.9471 610.0065 Tm 0 0 0 1 k [(Globally)52.3(, banks ar)9.3(e struggling t)9.8(o)0( de)6.4(v)6.4(elop and)]TJ ET EMC /P <>BDC BT 9 0 0 9 212.5587 610.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 598.0065 Tm -.005 Tc [(implement new technologies r)19.5(apidly in r)9.3(esponse t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 237.2562 598.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 586.0065 Tm -.005 Tc [(their underper)-7.3(forming and outdated, non-patched)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.2114 586.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 574.0065 Tm -.005 Tc [(cor)9.3(e banking systems, which ar)9.3(e vulner)19.5(able t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 218.2672 574.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 562.0065 Tm -.005 Tc [(v)7.3(arious kinds of cyber)19.5(attacks. While ntech)]TJ ET EMC /P <>BDC BT 9 0 0 9 208.0036 562.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 550.0065 Tm -.005 Tc [(integr)19.5(ation will happen with such legacy systems,)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.5302 550.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 538.0065 Tm -.005 Tc [(the ntech platforms will also become pr)9.3(ef)11.7(er)19.5(able)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.8657 538.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 526.0065 Tm -.005 Tc [(tar)9.3(gets for hack)9.8(ers. Banks aspiring t)9.8(o)0( get int)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 216.3448 526.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 514.0065 Tm -.005 Tc [(ntech need t)9.8(o)0( prioritiz)7.8(e r)9.3(efr)9.3(eshing their cor)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 213.8618 514.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 502.0065 Tm -.005 Tc (banking systems. )Tj ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 36.9471 476.0065 Tm .77 .33 .49 .09 k [(Mone)6.4(y Laundering Risk )]TJ ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 36.9471 458.0065 Tm 0 0 0 1 k [(Unlik)9.8(e tr)19.5(aditional banking systems, ntech-driv)6.4(en)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.6976 458.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 446.0065 Tm -.005 Tc [(banks ar)9.3(e mor)9.3(e lik)9.8(ely t)9.8(o)0( be used for mone)6.4(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 205.9305 446.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 434.0065 Tm -.005 Tc (laundering activities because ntech often uses)Tj ET EMC /P <>BDC BT 9 0 0 9 224.936 434.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 422.0065 Tm -.005 Tc [(cr)-8.8(ypt)9.8(ocurr)9.3(ency for nancial tr)19.5(ansactions.)]TJ ET EMC /P <>BDC BT 9 0 0 9 198.5356 422.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 410.0065 Tm -.005 Tc [(Cr)-8.8(ypt)9.8(ocurr)9.3(encies ar)9.3(e one of the integr)19.5(al elements of)]TJ ET EMC /P <>BDC BT 9 0 0 9 241.6477 410.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 398.0065 Tm -.005 Tc [(a ntech ecosystem that is not formally r)9.3(egulated)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.22 398.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 386.0065 Tm -.005 Tc [(based on any global standar)9.3(ds and r)9.3(egulations. Use)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.7619 386.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 374.0065 Tm -.005 Tc [(of nonr)9.3(egulated cr)-8.8(ypt)9.8(ocurr)9.3(encies can r)9.3(esult in)]TJ ET EMC /P <>BDC BT 9 0 0 9 217.9673 374.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 362.0065 Tm -.005 Tc [(illegal mone)6.4(y laundering and terr)9.8(orism funding.)]TJ ET EMC /P <>BDC BT 9 0 0 9 222.708 362.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 350.0065 Tm -.005 Tc [(Identifying the beneciar)-8.8(y in any ntech-enabled)]TJ ET EMC /P <>BDC BT 9 0 0 9 227.0487 350.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 338.0065 Tm -.005 Tc [(tr)19.5(ansactions is not possible due t)9.8(o)0( ntech)39.1()54.7(s)]TJ ET EMC /P <>BDC BT 9 0 0 9 207.3391 338.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 326.0065 Tm -.005 Tc [(pseudonymous natur)9.3(e, which can be a signicant)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.3574 326.0065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 314.0065 Tm -.005 Tc [(suppor)-24.4(t t)9.8(o)0( mone)6.4(y laundering oper)19.5(ations. )]TJ ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 36.9471 288.0064 Tm .77 .33 .49 .09 k [(T)43.5(echnology Risk )]TJ ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 36.9471 270.0064 Tm 0 0 0 1 k [(Apar)-24.4(t fr)9.8(om the risk discussed her)9.3(ein, ther)9.3(e is other)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.7853 270.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 258.0064 Tm -.005 Tc (potential technology risk for an enterprise that is)Tj ET EMC /P <>BDC BT 9 0 0 9 227.7356 258.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 246.0064 Tm -.005 Tc [(star)-24.4(ting a ntech v)6.4(entur)9.3(e. )19.5(T)48.4(o)0( addr)9.3(ess the)]TJ ET EMC /P <>BDC BT 9 0 0 9 198.2235 246.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 234.0064 Tm -.005 Tc [(technology risk, it is r)9.3(ecommended t)9.8(o)0( follow the)]TJ ET EMC /P <>BDC BT 9 0 0 9 225.8051 234.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 222.0064 Tm -.005 Tc [(Monetar)-8.8(y A)5.4(uthority of Singapor)9.3(e T)48.4(echnology Risk)]TJ ET EMC /P <>BDC BT 9 0 0 9 234.9194 222.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 210.0064 Tm -.005 Tc (Management Guidelines)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 136.2539 212.7064 Tm 0 Tc (5)Tj ET EMC /P <>BDC BT 9 0 0 9 139.2412 210.0064 Tm -.005 Tc [( and the Reser)-8.8(v)6.4(e)0( Bank of)]TJ ET EMC /P <>BDC BT 9 0 0 9 237.1001 210.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 198.0064 Tm -.005 Tc [(India Cyber Security F)12.7(r)19.5(amework in Banks)]TJ ET EMC /P <>BDC BT 9 0 0 9 203.9936 198.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 186.0064 Tm -.005 Tc (guidelines.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 79.6023 188.7064 Tm 0 Tc (6)Tj ET EMC /P <>BDC BT 9 0 0 9 82.5894 186.0064 Tm -.005 Tc [( Apar)-24.4(t fr)9.8(om these two sets of guidelines,)]TJ ET EMC /P <>BDC BT 9 0 0 9 242.1695 186.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 174.0064 Tm -.005 Tc [(ther)9.3(e ar)9.3(e many other cybersecurity guidelines made)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.6872 174.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 162.0064 Tm -.005 Tc [(a)7.3(v)7.3(ailable t)9.8(o)0( banks b)5.4(y)0( v)7.3(arious r)9.3(egulat)9.8(ors. But, due t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.1022 162.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 150.0064 Tm -.005 Tc [(their compr)9.3(ehensiv)6.4(e co)7.3(v)6.4(e)0(r)19.5(age and r)9.3(ele)6.4(v)7.3(ance t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 222.6662 150.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 138.0064 Tm -.005 Tc [(nancial ser)-8.8(vices sect)9.8(or)60.1(, these two guidelines ar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.7399 138.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 126.0064 Tm -.005 Tc (especially useful. )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 102.0064 Tm [(The use of I)14.2(T)19.5( b)5.4(y)0( banks has gr)9.8(own r)19.5(apidly)52.3(, which has)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.7829 102.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 90.0064 Tm -.005 Tc [(become v)6.4(e)0(r)-8.8(y)0( critical fr)9.8(om a business point of view)60.6(.)]TJ ET EMC /P <>BDC BT 9 0 0 9 236.3796 90.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 78.0064 Tm -.005 Tc [(The Reser)-8.8(v)6.4(e)0( Bank of India \(RBI\) had pr)9.8(o)7.3(vided)]TJ ET EMC /P <>BDC BT 9 0 0 9 214.6868 78.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.9471 66.0064 Tm -.005 Tc [(guidelines on information security)52.3(, electr)9.8(onic)]TJ ET EMC /P <>BDC BT 9 0 0 9 213.2563 66.0064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 643.5065 Tm -.005 Tc (banking, technology risk management and)Tj ET EMC /P <>BDC BT 9 0 0 9 422.5351 643.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 631.5065 Tm -.005 Tc [(cyber)-7.3(fr)19.5(aud. Banks need t)9.8(o)0( pr)9.8(oactiv)6.4(ely cr)9.3(eate/ne-)]TJ ET EMC /P <>BDC BT 9 0 0 9 255.4471 619.5065 Tm [(tune/modify their policies, pr)9.8(ocedur)9.3(es and)]TJ ET EMC /P <>BDC BT 9 0 0 9 421.9563 619.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 607.5065 Tm -.005 Tc [(technologies based on new de)6.4(v)6.4(elopments and)]TJ ET EMC /P <>BDC BT 9 0 0 9 438.5193 607.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 595.5065 Tm -.005 Tc [(emer)9.3(ging cyber)19.5(attacks.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 347.9292 598.2064 Tm -.0083 Tc (7 )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 571.5065 Tm -.005 Tc [(The Monetar)-8.8(y A)5.4(uthority of Singapor)9.3(e \(M)-8.8(AS\) has)]TJ ET EMC /P <>BDC BT 9 0 0 9 444.5192 571.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 559.5065 Tm -.005 Tc [(issued the )19.5(T)48.4(echnology Risk Management \(TRM\))]TJ ET EMC /P <>BDC BT 9 0 0 9 444.4025 559.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 547.5065 Tm -.005 Tc [(guidelines, which addr)9.3(esses existing and emer)9.3(ging)]TJ ET EMC /P <>BDC BT 9 0 0 9 455.7342 547.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 535.5065 Tm -.005 Tc (technology risk within nancial institutions.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 425.693 538.2064 Tm 0 Tc (8)Tj ET EMC /P <>BDC BT 9 0 0 9 428.6802 535.5065 Tm -.005 Tc -.0195 Tw [( The)]TJ ET EMC /P <>BDC BT 9 0 0 9 445.6476 535.5065 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 523.5065 Tm -.005 Tc [(M)-8.8(AS )19.5(TRM guidelines help banks identify security)]TJ ET EMC /P <>BDC BT 9 0 0 9 447.3032 523.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 511.5065 Tm -.005 Tc [(and risk management issues in a compr)9.3(ehensiv)6.4(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 448.1623 511.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 499.5065 Tm -.005 Tc [(manner)60.1(, co)7.3(v)6.4(ering e)6.4(v)6.4(e)0(r)-8.8(ything fr)9.8(om identity)]TJ ET EMC /P <>BDC BT 9 0 0 9 418.0418 499.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 487.5065 Tm -.005 Tc [(assur)19.5(ance and access contr)9.8(ols t)9.8(o)0( accountability)]TJ ET EMC /P <>BDC BT 9 0 0 9 445.7871 487.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 475.5065 Tm -.005 Tc (and audit. )Tj ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 255.4471 309.5065 Tm .77 .33 .49 .09 k [(Block)9.8(chain Risk )]TJ ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 255.4471 291.5064 Tm 0 0 0 1 k [(Block)9.8(chain platforms ar)9.3(e used as par)-24.4(t of the ntech)]TJ ET EMC /P <>BDC BT 9 0 0 9 459.7004 291.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 279.5064 Tm -.005 Tc (ecosystem of many enterprises. Although)Tj ET EMC /P <>BDC BT 9 0 0 9 419.8545 279.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 267.5064 Tm -.005 Tc [(block)9.8(chain is v)6.4(e)0(r)-8.8(y)0( ecient and quickly ex)9.8(ecutes)]TJ ET EMC /P <>BDC BT 9 0 0 9 444.1039 267.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 255.5064 Tm -.005 Tc [(tr)19.5(ansactions, the following signicant concerns)]TJ ET EMC /P <>BDC BT 9 0 0 9 441.6387 255.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 243.5064 Tm -.005 Tc [(about the security of block)9.8(chain-based tr)19.5(ansactions)]TJ ET EMC /P <>BDC BT 9 0 0 9 459.6608 243.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 231.5064 Tm -.005 Tc [(in a ntech ecosystem can cause risk t)9.8(o)0( the)]TJ ET EMC /P <>BDC BT 9 0 0 9 428.0857 231.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.4471 219.5064 Tm -.005 Tc (ecosystem: )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.4471 201.5064 Tm [(Block)9.8(chain can be hack)9.8(ed lik)9.8(e any other)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 423.7221 201.5064 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 255.4471 201.5064 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 266.4471 189.5064 Tm 0 0 0 1 k -.005 Tc [(platform/pr)9.8(ot)9.8(ocol. If someone chooses t)9.8(o)0( sa)7.3(v)6.4(e)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 452.4298 189.5064 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.4471 177.5065 Tm -.005 Tc [(their bitcoin and priv)7.3(ate k)9.8(e)6.4(ys on an Internet-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 266.4471 165.5065 Tm [(connected de)6.4(vice, the)6.4(y can be st)9.8(olen. After)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 435.4118 165.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.4471 153.5065 Tm -.005 Tc [(priv)7.3(ate k)9.8(e)6.4(ys ar)9.3(e st)9.8(olen, secur)9.3(e block)9.8(chain)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 429.9681 153.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.4471 141.5065 Tm -.005 Tc [(ar)9.3(chitectur)9.3(e and encr)-8.8(yption f)11.7(eatur)9.3(es ar)9.3(e of no)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 446.4786 141.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.4471 129.5065 Tm -.005 Tc [(concern t)9.8(o)0( hack)9.8(ers. )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 266.4471 111.5065 Tm [(Block)9.8(chain can be inf)11.7(ected b)5.4(y)0( malwar)9.3(e.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 422.5016 111.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 255.4471 111.5065 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 266.4471 99.5065 Tm 0 0 0 1 k -.005 Tc [(Resear)9.3(chers ha)7.3(v)6.4(e)0( demonstr)19.5(ated that botnets)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 444.1536 99.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.4471 87.5065 Tm -.005 Tc [(ha)7.3(v)6.4(e)0( the ability t)9.8(o)0( send messages utilizing the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 447.6509 87.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.4471 75.5065 Tm -.005 Tc [(bitcoin network. )19.5(The F)10.8(ujacks tr)9.8(ojan, a botnet)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 440.7184 75.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 266.4471 63.5065 Tm -.005 Tc [(back)9.8(door)60.1(, has successfully pr)9.8(o)7.3(v)6.4(en that it can)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 443.3506 63.5065 Tm 0 Tc ( )Tj ET EMC /Artifact <>BDC .77 .33 .49 .09 k /GS3 gs 255.447 334.436 205.5 124.876 re f EMC /P <>BDC BT 14 0 0 14 291.6932 429.7419 Tm 0 0 0 0 k .0351 Tc -.0175 Tw [(BANKS)17.5( ASPIRING)17.6( )19.6(T)13.6(O)]TJ ET EMC /P <>BDC BT 14 0 0 14 430.2098 429.7419 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 264.6932 411.7419 Tm .0351 Tc -.0175 Tw [(GE)-9.8(T)37.1( IN)14.1(T)13.6(O)17.5( FIN)14.1(TECH)17.5( NEED)]TJ ET EMC /P <>BDC BT 14 0 0 14 432.5977 411.7419 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 264.6932 393.7419 Tm .0351 Tc -.0175 Tw [(T)13.6(O)17.5( PRIORI)14.1(TIZE)]TJ ET EMC /P <>BDC BT 14 0 0 14 363.2196 393.7419 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 264.6932 375.7419 Tm .0351 Tc -.0371 Tw [(REFRESHING)17.6( THEIR)17.5( )-19.6(CORE)]TJ ET EMC /P <>BDC BT 14 0 0 14 436.993 375.7419 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 264.6932 357.7419 Tm .0351 Tc -.0175 Tw [(BANKING)17.6( SY)7.8(STEMS)17.5(.)]TJ ET EMC /Figure <>BDC Q q 1 i 402.804 366.562 23 -23.75 re W n .61961 .05098 .98824 0 k /GS3 gs q 1 0 0 1 420.908 356.274 cm 0 0 m -.099 -2.881 -.579 -5.075 -1.441 -6.582 c -2.301 -8.089 -3.643 -9.223 -5.464 -9.985 c -3.279 -13.462 l -.265 -12.104 1.937 -10.101 3.328 -7.452 c 4.389 -5.464 4.918 -2.252 4.918 2.186 c 4.918 10.382 l -4.67 10.382 l -4.67 0 l 0 0 l h -12.64 0 m -12.739 -2.881 -13.219 -5.075 -14.081 -6.582 c -14.941 -8.089 -16.283 -9.223 -18.104 -9.985 c -15.919 -13.462 l -12.905 -12.104 -10.703 -10.101 -9.312 -7.452 c -8.251 -5.464 -7.722 -2.252 -7.722 2.186 c -7.722 10.382 l -17.31 10.382 l -17.31 0 l -12.64 0 l f Q EMC /Figure <>BDC Q q 1 i 264.64 455.168 23 -23.75 re W n .61961 .05098 .98824 0 k /GS3 gs q 1 0 0 1 269.558 441.8 cm 0 0 m .099 2.881 .579 5.075 1.441 6.582 c 2.301 8.089 3.643 9.223 5.464 9.985 c 3.279 13.462 l .265 12.104 -1.937 10.101 -3.328 7.452 c -4.389 5.464 -4.918 2.252 -4.918 -2.186 c -4.918 -10.382 l 4.67 -10.382 l 4.67 0 l 0 0 l h 12.64 0 m 12.739 2.881 13.219 5.075 14.081 6.582 c 14.941 8.089 16.283 9.223 18.104 9.985 c 15.919 13.462 l 12.905 12.104 10.703 10.101 9.312 7.452 c 8.251 5.464 7.722 2.252 7.722 -2.186 c 7.722 -10.382 l 17.31 -10.382 l 17.31 0 l 12.64 0 l f Q EMC Q endstream endobj 407 0 obj <>/ExtGState<>>> endobj 417 0 obj <> endobj 422 0 obj <> endobj 433 0 obj <> endobj 438 0 obj <> endobj 443 0 obj <> endobj 448 0 obj <> endobj 453 0 obj <> endobj 458 0 obj <> endobj 463 0 obj <> endobj 468 0 obj <> endobj 473 0 obj <> endobj 478 0 obj <> endobj 491 0 obj <> endobj 496 0 obj <> endobj 501 0 obj <> endobj 514 0 obj <> endobj 515 0 obj <> endobj 516 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.5 391.56 m W n .059998 783 603 -783 re W n /GS2 gs BT /F2 1 Tf 7 0 0 7 414.6031 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [( 2019 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.4(ed. )]TJ ET EMC /P <>BDC BT /F3 1 Tf 7 0 0 7 522.0879 23.0228 Tm [(www)60.6(.isaca.or)9.3(g)]TJ ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 155 643.5065 Tm -.005 Tc [(r)9.3(emotely contr)9.8(ol inf)11.7(ected computers that ar)9.3(e)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 331.0125 643.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155 631.5065 Tm -.005 Tc [(nodes in a block)9.8(chain, collect information, and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 337.7066 631.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155 619.5065 Tm -.005 Tc [(install other malwar)9.3(e or t)9.8(ools int)9.8(o the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 301.7281 619.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155 607.5065 Tm -.005 Tc [(block)9.8(chain.)]TJ ET EMC /LBody <>BDC BT 5.4 0 0 5.4 200.138 610.2064 Tm -.0083 Tc (9 )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155 589.5065 Tm -.005 Tc [(Banks ha)7.3(v)6.4(e)0( concerns about tr)19.5(ansaction)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 310.8313 589.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 144 589.5065 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 155 577.5065 Tm 0 0 0 1 k -.005 Tc [(condentiality)52.3(, securing priv)7.3(ate k)9.8(e)6.4(ys and the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 328.7878 577.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155 565.5065 Tm -.005 Tc [(str)9.3(ength of cr)-8.8(ypt)9.8(ogr)19.5(aphic algorithms that ar)9.3(e)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 331.7146 565.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155 553.5065 Tm -.005 Tc [(used in block)9.8(chain-based tr)19.5(ansactions. )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 155 535.5065 Tm [(Any block)9.8(chain tr)19.5(ansaction is dependent on trust)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 347.5361 535.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 144 535.5065 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 155 523.5065 Tm 0 0 0 1 k -.005 Tc [(between two or mor)9.3(e par)-24.4(ties. Most people use)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 338.4084 523.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155 511.5065 Tm -.005 Tc [(bitcoins at ex)9.8(changes and trust that the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 311.2017 511.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155 499.5065 Tm -.005 Tc [(ex)9.8(change will look after them. Many mone)6.4(y)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 325.9663 499.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155 487.5065 Tm -.005 Tc [(ex)9.8(change rms ar)9.3(e not fully r)9.3(egulated entities.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 337.0387 487.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155 475.5065 Tm -.005 Tc [(The)6.4(y cannot off)11.7(er assur)19.5(ance on the tr)19.5(ansf)11.7(er of)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 338.0373 475.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155 463.5065 Tm -.005 Tc [(digital curr)9.3(encies. )]TJ ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 144 283.5064 Tm .77 .33 .49 .09 k [(Addr)9.3(essing Fintech-T)31.8(rigger)9.3(ed)]TJ ET EMC /P <>BDC BT 11 0 0 11 290.386 283.5064 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 11 0 0 11 144 269.5065 Tm -.005 Tc (Cybersecurity Risk )Tj ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 144 251.5065 Tm 0 0 0 1 k [(The following ar)9.3(e r)9.3(ecommendations t)9.8(o)0( pr)9.8(otect an)]TJ ET EMC /P <>BDC BT 9 0 0 9 338.9586 251.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 239.5065 Tm -.005 Tc [(enterprise fr)9.8(om the potential risk of implementing)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.6454 239.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 227.5065 Tm -.005 Tc (ntech:)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 173.19 230.2064 Tm -.0083 Tc (10 )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155 209.5065 Tm -.005 Tc [(A)24.4(v)7.3(oid using public clouds, which ar)9.3(e vulner)19.5(able)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 340.2071 209.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 144 209.5065 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 155 197.5065 Tm 0 0 0 1 k -.005 Tc [(t)9.8(o)0( data leakage risk. )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 155 179.5065 Tm [(Refr)9.3(esh the legacy I)14.2(T)19.5( infr)19.5(astructur)9.3(e and cor)9.3(e)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 329.6316 179.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 144 179.5065 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 155 167.5065 Tm 0 0 0 1 k -.005 Tc (banking systems. )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155 149.5065 Tm [(Use machine learning eff)11.7(ectiv)6.4(ely t)9.8(o)0( impr)9.8(o)7.3(v)6.4(e the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 341.8199 149.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 144 149.5065 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 155 137.5065 Tm 0 0 0 1 k -.005 Tc [(cybersecurity postur)9.3(e of the ntech v)6.4(entur)9.3(e. )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 155 119.5064 Tm [(Implement digital identity pr)9.8(otection solutions. )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 144 119.5064 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 155 101.5064 Tm 0 0 0 1 k -.005 Tc [(Institutionaliz)7.8(e well-dened thir)9.3(d-par)-24.4(ty security)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 338.7417 101.5064 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 144 101.5064 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 155 89.5064 Tm 0 0 0 1 k -.005 Tc [(measur)9.3(es. )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 373.5 643.5065 Tm [(Scrutiniz)7.8(e the pr)9.8(ocur)9.3(ement of new technology)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 554.7726 643.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 362.5 643.5065 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 373.5 631.5065 Tm 0 0 0 1 k -.005 Tc [(solutions fr)9.8(om a security point of view)60.6(. )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 373.5 613.5065 Tm [(Str)9.3(engthen access contr)9.8(ol mechanisms. )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 362.5 613.5065 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 373.5 595.5065 Tm 0 0 0 1 k -.005 Tc [(Implement well-dened data priv)7.3(acy rules. )]TJ ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 362.5 595.5065 Tm .63 .06 1 0 k 0 Tc ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 373.5 577.5065 Tm 0 0 0 1 k -.005 Tc (Consider implementation of Security)Tj ET EMC /LBody <>BDC BT 9 0 0 9 517.4988 577.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 362.5 577.5065 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 373.5 565.5065 Tm 0 0 0 1 k -.005 Tc [(Or)9.3(chestr)19.5(ation and A)5.4(u)0(t)9.8(omated Response \(SO)10.3(AR\),)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 564.1859 565.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.5 553.5065 Tm -.005 Tc [(Security Oper)19.5(ations and Analytics Platform)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 542.8392 553.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.5 541.5065 Tm -.005 Tc [(Ar)9.3(chitectur)9.3(e \(SO)10.3(AP)67.4(A\), and User and Entity)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 538.3184 541.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.5 529.5065 Tm -.005 Tc [(Beha)7.3(vior Analytics \(UEBA\) security or)9.3(chestr)19.5(ation)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 565.0209 529.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.5 517.5065 Tm -.005 Tc [(solutions, which help in pr)9.8(oactiv)6.4(e incident)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 537.6703 517.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.5 505.5065 Tm -.005 Tc [(r)9.3(esponse. )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 373.5 487.5065 Tm [(Ref)11.7(er updated thr)9.3(eat intelligence thr)9.8(ough thr)9.3(eat)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 559.9409 487.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F4 1 Tf 12 0 0 12 362.5 487.5065 Tm .63 .06 1 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 373.5 475.5065 Tm 0 0 0 1 k -.005 Tc [(f)11.7(eeds and aut)9.8(omated endpoint detection)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 533.8874 475.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.5 463.5065 Tm -.005 Tc [(r)9.3(esponse \(EDR\)/managed detection and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 531.9251 463.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.5 451.5065 Tm -.005 Tc [(r)9.3(esponse \(MDR\) solutions. )]TJ ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 362.5 425.5065 Tm .77 .33 .49 .09 k (Conclusion )Tj ET EMC /P <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 362.5 407.5065 Tm 0 0 0 1 k [(The incr)9.3(easing number of inter)-7.3(faces in ntech)]TJ ET EMC /P <>BDC BT 9 0 0 9 543.7849 407.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 395.5065 Tm -.005 Tc [(implementation will continue t)9.8(o)0( incr)9.3(ease the)]TJ ET EMC /P <>BDC BT 9 0 0 9 536.9041 395.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 383.5065 Tm -.005 Tc [(oppor)-24.4(tunities for cybersecurity risk. If hack)9.8(ers ar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 557.8752 383.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 371.5065 Tm -.005 Tc [(successful in their effor)-24.4(ts t)9.8(o)0( compr)9.8(omise the)]TJ ET EMC /P <>BDC BT 9 0 0 9 540.2297 371.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 359.5065 Tm -.005 Tc (ntech platform, the condence of banking)Tj ET EMC /P <>BDC BT 9 0 0 9 531.8228 359.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 347.5065 Tm -.005 Tc [(cust)9.8(omers in the technology-driv)6.4(en ntech platform)]TJ ET EMC /P <>BDC BT 9 0 0 9 566.3544 347.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 335.5065 Tm -.005 Tc [(banking model ma)7.3(y be r)9.3(educed, which will slow the)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.9955 335.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 323.5065 Tm -.005 Tc [(gr)9.8(owth of the ntech industr)-8.8(y)52.3(.)0( By implementing)]TJ ET EMC /P <>BDC BT 9 0 0 9 548.5914 323.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 311.5065 Tm -.005 Tc [(r)9.8(obust and eff)11.7(ectiv)6.4(e cybersecurity risk management)]TJ ET EMC /P <>BDC BT 9 0 0 9 567.3915 311.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 299.5065 Tm -.005 Tc [(contr)9.8(ols, enterprises can pr)9.8(otect their ntech-driv)6.4(en)]TJ ET EMC /P <>BDC BT 9 0 0 9 565.6174 299.5065 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 287.5065 Tm -.005 Tc [(banking system fr)9.8(om emer)9.3(ging cyber)19.5(attacks. )]TJ ET EMC /P <>BDC /GS3 gs BT /F1 1 Tf 11 0 0 11 362.5 261.5064 Tm .77 .33 .49 .09 k (Endnotes )Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 379.8636 243.5064 Tm 0 0 0 1 k [(Univ)6.4(ersity of Southern California Gould School)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 561.8374 243.5064 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F1 1 Tf 9 0 0 9 367.5 243.5064 Tm .63 .06 1 0 k (1)Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 379.5 231.5064 Tm 0 0 0 1 k -.005 Tc [(of Law)60.6(, OCC Guidelines for Banks W)15.2(orking)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 548.7084 231.5064 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 219.5064 Tm -.005 Tc [(With )19.5(Thir)9.3(d-P)5.4(ar)-24.4(ty Fintech Companies,)83( 2018,)]TJ ET EMC /LBody <>BDC BT /F3 1 Tf 9 0 0 9 549.5294 219.5064 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 207.5064 Tm -.005 Tc [(https:/)109.4(/onlinellm.usc.edu/blog/occ-guidelines-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 379.5 195.5064 Tm [(for-banks-working-with-thir)9.3(d-par)-24.4(ty-ntech- )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 379.5 183.5064 Tm (companies/ )Tj ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 379.8636 171.5065 Tm [(K)13.2(olesniko)7.3(v)52.3(,)0( O)49.8(.; Secur)9.8(onix )19.5(Thr)9.3(eat Resear)9.3(ch:)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 549.3381 171.5065 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F1 1 Tf 9 0 0 9 367.5 171.5065 Tm .63 .06 1 0 k (2)Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 379.5 159.5065 Tm 0 0 0 1 k -.005 Tc [(Cosmos Bank SWIF)-9.7(T/A)63(TM US $13.5 Million)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 551.1461 159.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 147.5065 Tm -.005 Tc [(Cyber A)8.3(ttack Detection Using Security)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 528.7658 147.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 135.5065 Tm -.005 Tc [(Analytics,)83( Secur)9.8(onix, 2 Oct)9.8(ober 2018,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 527.6134 135.5065 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /F3 1 Tf 9 0 0 9 379.5 123.5065 Tm -.005 Tc [(https:/)109.4(/www)60.6(.secur)9.8(onix.com/secur)9.8(onix-thr)9.3(eat-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 379.5 111.5065 Tm [(r)9.3(esear)9.3(ch-cosmos-bank-swift-atm-us13-5-million-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 379.5 99.5065 Tm (cyber-attack-detection-using-security-analytics/ )Tj ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 379.8636 87.5065 Tm -.0195 Tw [(P)6.4(ositiv)6.4(e T)48.4(echnologies, )]TJ ET EMC /LBody <>BDC BT /F3 1 Tf 9 0 0 9 470.077 87.5065 Tm 0 Tw [(How Hack)9.8(ers Rob Banks)]TJ ET EMC /LBody <>BDC BT /F2 1 Tf 9 0 0 9 565.4429 87.5065 Tm 0 Tc (,)Tj ET EMC /LBody <>BDC BT 9 0 0 9 567.1646 87.5065 Tm ( )Tj ET EMC /Lbl <>BDC /GS3 gs BT /F1 1 Tf 9 0 0 9 367.5 87.5065 Tm .63 .06 1 0 k (3)Tj ET EMC /LBody <>BDC /GS2 gs BT /F2 1 Tf 9 0 0 9 379.5 75.5065 Tm 0 0 0 1 k -.005 Tc [(21 Ma)7.3(y 2018,)]TJ ET EMC /LBody <>BDC BT /F3 1 Tf 9 0 0 9 432.4505 75.5065 Tm [( https:/)109.4(/www)60.6(.ptsecurity)52.3(.com/ )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 379.5 63.5065 Tm (ww-en/analytics/banks-attacks-2018/ )Tj ET EMC /P <>BDC BT /F2 1 Tf 7 0 0 7 39.7789 24.9858 Tm 0 Tc [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 61.2198 24.9858 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS3 gs BT 7 0 0 7 92.1285 24.9858 Tm .05 .65 1 .01 k ( )Tj ET EMC /P <>BDC BT 7 0 0 7 93.8614 24.9858 Tm [(V)6.4(OL 2)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.446 .46194 .51498 33 re f EMC /P <>BDC /GS3 gs BT 7 0 0 7 13.2407 24.9858 Tm .05 .65 1 .01 k (6)Tj ET EMC /Artifact <>BDC .77 .33 .49 .09 k 144 306.687 205.5 139.174 re f EMC /P <>BDC BT 14 0 0 14 180.2461 416.2903 Tm 0 0 0 0 k .0351 Tc -.0175 Tw [(USE)17.5( M)-8.8(A)5.3(CHINE)]TJ ET EMC /P <>BDC BT 14 0 0 14 275.9697 416.2903 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 153.2461 398.2903 Tm .0351 Tc -.0175 Tw [(LEARNING)17.5( EFFEC)14.1(TIVEL)116.7(Y)]TJ ET EMC /P <>BDC BT 14 0 0 14 316.003 398.2903 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 153.2461 380.2903 Tm .0351 Tc -.0175 Tw [(T)13.6(O)17.5( IMPRO)10.7(VE)17.5( )19.6(THE)]TJ ET EMC /P <>BDC BT 14 0 0 14 269.4639 380.2903 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 153.2461 362.2903 Tm .0351 Tc -.0175 Tw [(CYBERSECURI)14.1(T)-7.8(Y)17.5( POSTURE)]TJ ET EMC /P <>BDC BT 14 0 0 14 333.4482 362.2903 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 153.2461 344.2903 Tm .0351 Tc -.0371 Tw [(OF)17.5( THE)17.5( )-19.6(FIN)14.1(TECH)]TJ ET EMC /P <>BDC BT 14 0 0 14 265.9502 344.2903 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 14 0 0 14 153.2461 326.2903 Tm .0351 Tc [(VEN)14.1(TURE)17.5(.)]TJ ET EMC /Figure <>BDC Q q 1 i 225.305 335.813 23 -23.75 re W n .61961 .05098 .98824 0 k /GS3 gs q 1 0 0 1 243.409 325.525 cm 0 0 m -.099 -2.881 -.579 -5.075 -1.441 -6.582 c -2.301 -8.089 -3.643 -9.223 -5.464 -9.985 c -3.279 -13.462 l -.265 -12.104 1.937 -10.101 3.328 -7.452 c 4.389 -5.464 4.918 -2.252 4.918 2.186 c 4.918 10.382 l -4.67 10.382 l -4.67 0 l 0 0 l h -12.64 0 m -12.739 -2.881 -13.219 -5.075 -14.081 -6.582 c -14.941 -8.089 -16.283 -9.223 -18.104 -9.985 c -15.919 -13.462 l -12.905 -12.104 -10.703 -10.101 -9.312 -7.452 c -8.251 -5.464 -7.722 -2.252 -7.722 2.186 c -7.722 10.382 l -17.31 10.382 l -17.31 0 l -12.64 0 l f Q EMC /Figure <>BDC Q q 1 i 153.193 441.716 23 -23.75 re W n .61961 .05098 .98824 0 k /GS3 gs q 1 0 0 1 158.111 428.348 cm 0 0 m .099 2.881 .579 5.075 1.441 6.582 c 2.301 8.089 3.643 9.223 5.464 9.985 c 3.279 13.462 l .265 12.104 -1.937 10.101 -3.328 7.452 c -4.389 5.464 -4.918 2.252 -4.918 -2.186 c -4.918 -10.382 l 4.67 -10.382 l 4.67 0 l 0 0 l h 12.64 0 m 12.739 2.881 13.219 5.075 14.081 6.582 c 14.941 8.089 16.283 9.223 18.104 9.985 c 15.919 13.462 l 12.905 12.104 10.703 10.101 9.312 7.452 c 8.251 5.464 7.722 2.252 7.722 -2.186 c 7.722 -10.382 l 17.31 -10.382 l 17.31 0 l 12.64 0 l f Q EMC Q endstream endobj 517 0 obj <>/ExtGState<>>> endobj 535 0 obj <> endobj 540 0 obj <> endobj 545 0 obj <> endobj 550 0 obj <> endobj 555 0 obj <> endobj 560 0 obj <> endobj 565 0 obj <> endobj 566 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.5 391.56 m W n .059998 783 603 -783 re W n /GS2 gs BT /F2 1 Tf 7 0 0 7 36.9471 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [( 2019 ISA)5.4(CA. 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