%PDF-1.4 % 20 0 obj <> endobj 44 0 obj <> endobj 52 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9954 20.9379 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 512.4738 20.9379 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 20.9379 Tm .5 .26 .09 0 k [( V)6.3(OL 5 )247.6( )247.6( )]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 20.9379 Tm .5 .26 .09 0 k (1)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 35.5957 29.6464 Tm 0 0 0 1 k [( 2020 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /TT4 1 Tf 7 0 0 7 143.2275 29.6464 Tm [(www)60.5(.isaca.org)]TJ ET EMC /Artifact <>BDC 0 0 0 0 k /GS1 gs 515.27 692.116 53.716 54.884 re f EMC /Figure <>BDC Q /GS1 gs BT /F1 1 Tf 9 0 0 9 515.27 721.5889 Tm .72549 .12941 .60784 .007843 k .0249 Tc 0 Tw (FEATURE)Tj ET q 1 i 515.284 746.986 53.701 -54.87 re W n q 1 0 0 1 568.985 747 cm 0 0 m 0 -54.884 l -9.375 -54.884 l -9.375 -9.9448 l -49.977 -9.9448 l -49.977 0 l 0 0 l f Q EMC /Artifact <>BDC Q q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .72 .13 .61 .01 k 253.31 63.832 349.498 79.78 re f EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 36.8816 618.1691 Tm 0 0 0 1 k -.005 Tc (In the mid-1970s, 96 kilobytes of computer memory)Tj ET EMC /P <>BDC BT 9 0 0 9 240.1656 618.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 606.1691 Tm -.005 Tc [(cost more than US$100,000. )19.5(T)48.3(oday, 8 gigabytes of)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.0558 606.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 594.1691 Tm -.005 Tc [(computer memory can be pur)9.3(chased for less than)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.5902 594.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 582.1691 Tm -.005 Tc [(US$50. )19.5(That difference demonstr)19.5(ates the huge)]TJ ET EMC /P <>BDC BT 9 0 0 9 221.1953 582.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 570.1691 Tm -.005 Tc [(adv)7.3(ancements in information systems in the last 45)]TJ ET EMC /P <>BDC BT 9 0 0 9 241.0041 570.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 558.1691 Tm -.005 Tc [(years. But not e)6.3(verything related t)9.8(o)0( information)]TJ ET EMC /P <>BDC BT 9 0 0 9 221.9689 558.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 546.1691 Tm -.005 Tc [(systems has adv)7.3(anced at breakneck speed. F)10.2(o)0(r)]TJ ET EMC /P <>BDC BT 9 0 0 9 224.1132 546.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 534.1691 Tm -.005 Tc (instance, in the early days, punch card systems)Tj ET EMC /P <>BDC BT 9 0 0 9 221.9524 534.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 522.1691 Tm -.005 Tc [(were used t)9.8(o)0( maintain )]TJ /TT7 1 Tf 9.9574 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nancial and healthcare)Tj ET EMC /P <>BDC BT 9 0 0 9 220.7635 522.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 510.1691 Tm -.005 Tc [(information. )19.5(The biggest threat t)9.8(o)0( that type of)]TJ ET EMC /P <>BDC BT 9 0 0 9 216.3274 510.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 498.1691 Tm -.005 Tc [(system was users choosing convenience o)7.3(ver)]TJ ET EMC /P <>BDC BT 9 0 0 9 217.9366 498.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 486.1691 Tm -.005 Tc [(security. )19.5(T)48.3(oday, e)6.3(ven with online data capture and)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.9576 486.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 474.1691 Tm -.005 Tc [(real-time systems, little has changed: )19.5(The biggest)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.5953 474.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 462.1691 Tm -.005 Tc [(threat t)9.8(o)0( system security is still people acting)]TJ ET EMC /P <>BDC BT 9 0 0 9 215.1486 462.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 450.1691 Tm -.005 Tc (irresponsibly. But there are some common sense)Tj ET EMC /P <>BDC BT 9 0 0 9 230.3206 450.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 438.1691 Tm -.005 Tc [(solutions t)9.8(o)0( that age-old pr)9.8(oblem.)]TJ ET EMC /P <>BDC BT 9 0 0 9 169.7501 438.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT9 1 Tf 11 0 0 11 36.8816 314.1691 Tm .722 .129 .671 .012 k -.005 Tc [(User A)5.4(uthentication)]TJ ET EMC /P <>BDC BT 11 0 0 11 134.1871 314.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 36.8816 296.1691 Tm 0 0 0 1 k -.02 Tc [(There are many facets t)9.8(o)0( system security, and they)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.6684 296.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 284.1691 Tm -.02 Tc [(v)7.3(ary by enterprise and application. )19.5(The one thing all)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.7852 284.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 272.1691 Tm -.02 Tc [(systems ha)7.3(ve in common is user authentication t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.0639 272.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 260.1691 Tm -.02 Tc [(allow system access. User authentication pr)9.8(o)7.3(vides)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.0661 260.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 248.1691 Tm -.02 Tc [(reasonable assur)19.5(ance that the subscriber accessing)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.7748 248.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 236.1691 Tm -.02 Tc [(the ser)-8.8(vice t)9.8(oday is the same as the one who)]TJ ET EMC /P <>BDC BT 9 0 0 9 208.0528 236.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 224.1691 Tm -.02 Tc [(accessed it pre)6.3(viously. )19.5(The US National Institute of)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.1017 224.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 212.1691 Tm -.02 Tc [(Standards and )19.5(Technology \(NIST\) issued an update)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.375 212.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 200.1691 Tm -.02 Tc [(t)9.8(o)0( its Digital Identity Guidelines on 2 Mar)9.3(ch 2020,)]TJ ET EMC /P <>BDC BT 9 0 0 9 222.5739 200.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 188.1691 Tm -.02 Tc [(specifying three le)6.3(vels of security that can be attained)]TJ ET EMC /P <>BDC BT 9 0 0 9 241.4406 188.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 176.1691 Tm -.02 Tc [(and guidance as t)9.8(o)0( which le)6.3(vel is appr)9.8(opriate for)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.8288 176.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 164.1691 Tm -.02 Tc (different applications.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 120.1669 167.944 Tm 0 Tc (1)Tj ET EMC /P <>BDC BT 9 0 0 9 123.0191 164.1691 Tm -.02 Tc ( Regardless of the)Tj ET EMC /P <>BDC BT 9 0 0 9 191.9948 164.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 152.1691 Tm -.02 Tc [(authentication method used t)9.8(o)0( obtain access t)9.8(o)0( a)]TJ ET EMC /P <>BDC BT 9 0 0 9 225.8867 152.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 140.1691 Tm -.02 Tc [(system, passwords are almost always a par)-24.4(t of it.)]TJ ET EMC /P <>BDC BT 9 0 0 9 225.4957 140.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 128.1691 Tm -.02 Tc (Thus, ensuring the security of those passwords is a)Tj ET EMC /P <>BDC BT 9 0 0 9 232.277 128.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 116.1691 Tm -.02 Tc (critical function of system security.)Tj ET EMC /P <>BDC BT 9 0 0 9 170.2453 116.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 92.1691 Tm -.005 Tc [(Primary functions of user authentication t)9.8(o)0( contr)9.8(ol)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.6987 92.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 80.1691 Tm -.005 Tc [(employees access t)9.8(o)0( a system are segregation of)]TJ ET EMC /P <>BDC BT 9 0 0 9 234.3615 80.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.8816 68.1691 Tm -.005 Tc [(duties \(SoD\) and pr)9.8(o)7.3(viding super)-8.8(vision. In an entity)]TJ ET EMC /P <>BDC BT 9 0 0 9 236.8271 68.1691 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 618.1694 Tm -.005 Tc [(with str)9.8(ong internal contr)9.8(ols, user authentication)]TJ ET EMC /P <>BDC BT 9 0 0 9 445.0921 618.1694 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 606.1694 Tm -.005 Tc [(limits the system)54.7(s functionality t)9.8(o)0( speci)]TJ /TT7 1 Tf 17.5337 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (c users.)Tj ET EMC /P <>BDC BT 9 0 0 9 448.1803 606.1694 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 594.1694 Tm -.005 Tc [(F)10.2(or example, the accounts payable clerk can enter)]TJ ET EMC /P <>BDC BT 9 0 0 9 451.72 594.1694 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 582.1694 Tm -.005 Tc [(payments int)9.8(o the system but cannot appr)9.8(o)7.3(v)0(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 434.9173 582.1694 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 570.1694 Tm -.005 Tc [(payments. )19.5(The accounts payable super)-8.8(visor can)]TJ ET EMC /P <>BDC BT 9 0 0 9 444.7807 570.1694 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 558.1696 Tm -.005 Tc [(appr)9.8(o)7.3(ve payments but cannot enter them int)9.8(o the)]TJ ET EMC /P <>BDC BT 9 0 0 9 448.8701 558.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 546.1696 Tm -.005 Tc [(system. Employees who ha)7.3(ve neither of these)]TJ ET EMC /P <>BDC BT 9 0 0 9 434.9039 546.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 534.1696 Tm -.005 Tc [(responsibilities can do neither)60.1(. Although this is a)]TJ ET EMC /P <>BDC BT 9 0 0 9 445.0294 534.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 522.1696 Tm -.005 Tc [(simple example of both SoD and super)-8.8(vision, two)]TJ ET EMC /P <>BDC BT 9 0 0 9 448.9051 522.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 510.1696 Tm -.005 Tc [(key components of a system of internal contr)9.8(ol,)]TJ ET EMC /P <>BDC BT 9 0 0 9 441.9838 510.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 498.1696 Tm -.005 Tc (neither is attained if the user authentication method)Tj ET EMC /P <>BDC BT 9 0 0 9 458.356 498.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 486.1696 Tm -.005 Tc [(is compr)9.8(omised.)]TJ ET EMC /P <>BDC BT 9 0 0 9 320.6092 486.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 462.1696 Tm -.005 Tc [(T)48.3(o)0( minimize the potential for compr)9.8(omise of)]TJ ET EMC /P <>BDC BT 9 0 0 9 430.0963 462.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 450.1696 Tm -.005 Tc (system security, passwords are often restricted in)Tj ET EMC /P <>BDC BT 9 0 0 9 450.7566 450.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 438.1696 Tm -.005 Tc [(v)7.3(arious ways. A common restriction is that a)]TJ ET EMC /P <>BDC BT 9 0 0 9 429.7305 438.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 426.1696 Tm -.005 Tc [(password must include at least one upper)9.3(case)]TJ ET EMC /P <>BDC BT 9 0 0 9 438.2823 426.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 414.1696 Tm -.005 Tc [(letter)60.1(, one lower)9.3(case letter)60.1(, a number and a special)]TJ ET EMC /P <>BDC BT 9 0 0 9 453.1935 414.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 402.1696 Tm -.005 Tc [(char)19.5(acter)60.1(. Howe)6.3(ver)60.1(, there is little e)6.3(vidence that such)]TJ ET EMC /P <>BDC BT 9 0 0 9 458.6933 402.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 390.1696 Tm -.005 Tc [(pr)19.5(actices enhance system security.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 393.4025 393.9445 Tm 0 Tc (2)Tj ET EMC /P <>BDC BT 9 0 0 9 396.3899 390.1696 Tm -.005 Tc ( In a study of)Tj ET EMC /P <>BDC BT 9 0 0 9 447.1145 390.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 378.1696 Tm -.005 Tc (the impact of restrictions on user-de)Tj /TT7 1 Tf 15.9005 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ned)Tj ET EMC /P <>BDC BT 9 0 0 9 417.1521 378.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 366.1696 Tm -.005 Tc [(passwords, only 15 per)9.3(cent of passwords were)]TJ ET EMC /P <>BDC BT 9 0 0 9 439.7721 366.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.4344 354.1696 Tm -.005 Tc [(r)19.5(andom when restrictions were imposed, compared)]TJ ET EMC /P <>BDC BT 9 0 0 9 457.3559 354.1696 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT11 1 Tf 30 0 0 30 36.8816 664.6805 Tm .5 .26 .09 0 k -.02 Tc [(Common Sense A)5.4(uthentication)]TJ ET EMC /P <>BDC BT /TT9 1 Tf 11 0 0 11 266.6898 126.9467 Tm 0 0 0 0 k [(P)5.4(aul C. Schauer)84.5(,)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 11 0 0 11 343.4681 126.9467 Tm ( Ph.D.)Tj ET EMC /P <>BDC BT 11 0 0 11 370.8729 126.9467 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.6898 116.1467 Tm [(Is a pr)9.8(ofessor in the depar)-24.4(tment of accounting and information systems at)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.826 116.1467 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.6898 105.3466 Tm [(Bowling Green State University \(Ohio, USA\). Before becoming a pr)9.8(ofessor)60.1(,)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.0184 105.3466 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.6898 94.5467 Tm (he spent 20 years working in public accounting, including eight years as an)Tj ET EMC /P <>BDC BT 9 0 0 9 563.6898 94.5467 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.6898 83.7467 Tm [(information systems audit)9.8(or with Coopers & Lybr)19.5(and. He has published)]TJ ET EMC /P <>BDC BT 9 0 0 9 550.0623 83.7467 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 266.6898 72.9467 Tm [(numer)9.8(ous papers on auditing and information systems. )]TJ ET EMC /Figure <>BDC Q q 1 i 181.269 387.07 450 -315 re W n 254.434 341.634 349.796 -190.184 re 489.905 72.947 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n q 351.36 0 0 193.14 252.909 150.01 cm /Im2 Do Q EMC /Artifact <>BDC Q q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .5 .26 .09 0 k 36.001 337.507 205.5 92.789 re f EMC /P <>BDC BT /TT13 1 Tf 47 .1175 -.1175 47 43.2252 382.9638 Tm 0 .35 .9 0 k 0 Tc ()Tj ET EMC /P <>BDC BT /TT2 1 Tf 14 .035 -.035 14 57.0773 404.9982 Tm 0 0 0 0 k -.0195 Tw [( THE )-19.5(BIGGEST)19.5( THREA)63(T)19.5( T)13.7(O)]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 221.3791 405.409 Tm 0 Tw ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 43.2151 386.9635 Tm [(SY)7.8(STEM SECURIT)-7.8(Y IS STILL)]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 218.4544 387.4016 Tm ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 43.2601 368.9635 Tm [(PEOPLE AC)14.2(TING)]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 147.1868 369.2233 Tm ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 43.3051 350.9635 Tm [(IRRESPONSIBL)116.7(Y)103(.)0( )]TJ ET EMC /P <>BDC BT /TT13 1 Tf 47 .1175 -.1175 47 149.9529 329.2303 Tm 0 .35 .9 0 k ()Tj ET EMC Q endstream endobj 53 0 obj <>/XObject<>/ExtGState<>>> endobj 94 0 obj <> endobj 112 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 39.4019 20.9698 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 60.8804 20.9698 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7275 20.9698 Tm .5 .26 .09 0 k [( V)6.3(OL 5)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 20.9698 Tm .5 .26 .09 0 k (2)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 413.6186 28.6649 Tm 0 0 0 1 k [( 2020 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /TT4 1 Tf 7 0 0 7 521.2504 28.6649 Tm [(www)60.5(.isaca.org)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 144 659.2026 Tm -.005 Tc [(with 11 per)9.3(cent when they were not. )19.5(This study also)]TJ ET EMC /P <>BDC BT 9 0 0 9 347.7084 659.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 647.2026 Tm -.005 Tc [(found that 67 per)9.3(cent of passwords contained)]TJ ET EMC /P <>BDC BT 9 0 0 9 326.4329 647.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 635.2026 Tm -.005 Tc (either a meaningful detail, such as a person, an)Tj ET EMC /P <>BDC BT 9 0 0 9 328.9556 635.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 623.2026 Tm -.005 Tc [(object or a pr)9.8(oper name, or a combination of)]TJ ET EMC /P <>BDC BT 9 0 0 9 319.3357 623.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 611.2026 Tm -.005 Tc (meaningful details when restrictions were imposed,)Tj ET EMC /P <>BDC BT 9 0 0 9 347.0677 611.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 599.2026 Tm -.005 Tc [(compared with 59 per)9.3(cent when they were not.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 328.428 602.9775 Tm 0 Tc (3)Tj ET EMC /P <>BDC BT 9 0 0 9 331.4153 599.2026 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 587.2026 Tm -.005 Tc (Another study found that users who received)Tj ET EMC /P <>BDC BT 9 0 0 9 320.5716 587.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 575.2026 Tm -.005 Tc (password guidelines that included persuasive text)Tj ET EMC /P <>BDC BT 9 0 0 9 341.0395 575.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 563.2026 Tm -.005 Tc (and sample password creation methods created)Tj ET EMC /P <>BDC BT 9 0 0 9 335.0154 563.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 551.2026 Tm -.005 Tc [(str)9.8(onger passwords than those who received)]TJ ET EMC /P <>BDC BT 9 0 0 9 321.3636 551.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 539.2026 Tm -.005 Tc (guidelines with strict composition rules.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 301.0839 542.9775 Tm 0 Tc (4)Tj ET EMC /P <>BDC BT 9 0 0 9 304.0712 539.2026 Tm -.005 Tc -.0195 Tw [( These)]TJ ET EMC /P <>BDC BT 9 0 0 9 330.3575 539.2026 Tm 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 527.2026 Tm -.005 Tc (studies clearly question the effectiveness of these)Tj ET EMC /P <>BDC BT 9 0 0 9 341.7977 527.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 515.2026 Tm -.005 Tc [(widely used restrictions, which may pr)9.8(o)7.3(vide a false)]TJ ET EMC /P <>BDC BT 9 0 0 9 343.5292 515.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 503.2026 Tm -.005 Tc (sense of security. Enterprises that impose stringent)Tj ET EMC /P <>BDC BT 9 0 0 9 347.0041 503.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 491.2026 Tm -.005 Tc (password composition policies suffer the same fate)Tj ET EMC /P <>BDC BT 9 0 0 9 349.4276 491.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 479.2026 Tm -.005 Tc (as those that do not.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 225.2902 482.9776 Tm 0 Tc (5)Tj ET EMC /P <>BDC BT 9 0 0 9 228.2776 479.2026 Tm -.005 Tc ( What are the alternatives?)Tj ET EMC /P <>BDC BT 9 0 0 9 332.9624 479.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT9 1 Tf 11 0 0 11 144 453.2026 Tm .722 .129 .671 .012 k -.005 Tc [(The Psychology of P)5.4(assword Selection)]TJ ET EMC /P <>BDC BT 11 0 0 11 334.4456 453.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 144 435.2026 Tm 0 0 0 1 k -.005 Tc [(T)48.3(o)0( better understand how t)9.8(o)0( ensure that users)]TJ ET EMC /P <>BDC BT 9 0 0 9 326.2605 435.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 423.2026 Tm -.005 Tc [(create effective passwords, it is helpful t)9.8(o)0( examine)]TJ ET EMC /P <>BDC BT 9 0 0 9 343.8752 423.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 411.2026 Tm -.005 Tc [(the psychology inv)7.3(olved in selecting a password.)]TJ ET EMC /P <>BDC BT 9 0 0 9 336.0791 411.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 399.2026 Tm -.005 Tc [(The tr)19.5(ade-off faced by e)6.3(very user is choosing a)]TJ ET EMC /P <>BDC BT 9 0 0 9 328.1525 399.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 387.2026 Tm -.005 Tc (complex password that increases system security)Tj ET EMC /P <>BDC BT 9 0 0 9 341.459 387.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 375.2026 Tm -.005 Tc [(vs. one that is easy t)9.8(o)0( remember)60.1(. A study of)]TJ ET EMC /P <>BDC BT 9 0 0 9 316.4661 375.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 363.2026 Tm -.005 Tc (elementary school students as young as nine years)Tj ET EMC /P <>BDC BT 9 0 0 9 345.4955 363.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 351.2026 Tm -.005 Tc [(old demonstr)19.5(ated that they had some)]TJ ET EMC /P <>BDC BT 9 0 0 9 291.9319 351.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 339.2026 Tm -.005 Tc [(understanding of the attributes of str)9.8(ong)]TJ ET EMC /P <>BDC BT 9 0 0 9 304.059 339.2026 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 327.2025 Tm -.005 Tc (passwords.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 189.8026 330.9776 Tm 0 Tc (6)Tj ET EMC /P <>BDC BT 9 0 0 9 192.7899 327.2025 Tm -.005 Tc [( It is safe t)9.8(o)0( assume that most)]TJ ET EMC /P <>BDC BT 9 0 0 9 312.7459 327.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 315.2025 Tm -.005 Tc (employees are at least as knowledgeable as nine)Tj ET EMC /P <>BDC BT 9 0 0 9 337.0337 315.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 303.2025 Tm -.005 Tc [(year olds. )19.5(This understanding of the impor)-24.4(tance of)]TJ ET EMC /P <>BDC BT 9 0 0 9 343.205 303.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 291.2025 Tm -.005 Tc [(str)9.8(ong passwords is often reinfor)9.3(ced by tr)19.5(aining)]TJ ET EMC /P <>BDC BT 9 0 0 9 332.6338 291.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 279.2025 Tm -.005 Tc [(pr)9.8(o)7.3(vided by employers. Simple logic leads t)9.8(o)0( the)]TJ ET EMC /P <>BDC BT 9 0 0 9 334.273 279.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 267.2025 Tm -.005 Tc (conclusion that employees know they should select)Tj ET EMC /P <>BDC BT 9 0 0 9 347.2534 267.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 255.2025 Tm -.005 Tc [(str)9.8(ong passwords. )19.5(The reason they do not is that)]TJ ET EMC /P <>BDC BT 9 0 0 9 336.6987 255.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 243.2025 Tm -.005 Tc [(they prioritize convenience o)7.3(ver security. One study)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.1604 243.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 231.2025 Tm -.005 Tc [(found that 36 per)9.3(cent of users were willing t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 322.1768 231.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 219.2025 Tm -.005 Tc (sacri)Tj /TT7 1 Tf 2.1391 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ce security for convenience.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 278.5736 222.9774 Tm 0 Tc (7)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 281.5609 222.9774 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 195.2025 Tm -.005 Tc [(One solution is t)9.8(o)0( make security more convenient,)]TJ ET EMC /P <>BDC BT 9 0 0 9 340.2484 195.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 183.2025 Tm -.005 Tc [(or t)9.8(o)0( make str)9.8(ong passwords easier t)9.8(o)0( remember)60.1(.)]TJ ET EMC /P <>BDC BT 9 0 0 9 340.6637 183.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 171.2025 Tm -.005 Tc [(F)10.2(or example, r)19.5(ather than using the name of a pet or)]TJ ET EMC /P <>BDC BT 9 0 0 9 345.1332 171.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 159.2025 Tm -.005 Tc [(a spouse)39.1()54.7(s)0( initials as par)-24.4(t of their passwords,)]TJ ET EMC /P <>BDC BT 9 0 0 9 320.8312 159.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 147.2025 Tm -.005 Tc [(employees should use phr)19.5(ases that ha)7.3(ve meaning)]TJ ET EMC /P <>BDC BT 9 0 0 9 341.2623 147.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 135.2025 Tm -.005 Tc [(t)9.8(o)0( no one but themselves. Mnemonics pr)9.8(o)7.3(vide one)]TJ ET EMC /P <>BDC BT 9 0 0 9 343.1071 135.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 123.2025 Tm -.005 Tc [(possible solution. F)10.2(or instance, a line fr)9.8(om a mo)7.3(vie,)]TJ ET EMC /P <>BDC BT 9 0 0 9 345.5266 123.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 111.2025 Tm -.005 Tc [(I was so busy keeping my job that I forgot t)9.8(o)0( do my)]TJ ET EMC /P <>BDC BT 9 0 0 9 347.7776 111.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 99.2025 Tm -.005 Tc [(job,)83( becomes iwsbkmjtiftdmj.)83( It appears t)9.8(o)0( be)]TJ ET EMC /P <>BDC BT 9 0 0 9 331.8165 99.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 87.2025 Tm -.005 Tc [(t)9.8(otally r)19.5(andom but can be easily remembered by the)]TJ ET EMC /P <>BDC BT 9 0 0 9 348.1576 87.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 75.2025 Tm -.005 Tc [(user)60.1(.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 163.0187 78.9774 Tm 0 Tc (8)Tj ET EMC /P <>BDC BT 9 0 0 9 166.006 75.2025 Tm -.005 Tc [( A punch line fr)9.8(om a joke or the lyrics t)9.8(o)0( a)]TJ ET EMC /P <>BDC BT 9 0 0 9 328.5097 75.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 63.2025 Tm -.005 Tc (song can also be used in this way.)Tj ET EMC /P <>BDC BT 9 0 0 9 278.701 63.2025 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT9 1 Tf 11 0 0 11 362.5 657.1038 Tm .722 .129 .671 .012 k -.005 Tc (Employee Education)Tj ET EMC /P <>BDC BT 11 0 0 11 461.8908 657.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 362.5 639.1038 Tm 0 0 0 1 k -.005 Tc (People who understand the implications of security)Tj ET EMC /P <>BDC BT 9 0 0 9 564.7767 639.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 627.1038 Tm -.005 Tc [(breaches are more likely t)9.8(o)0( utilize str)9.8(ong)]TJ ET EMC /P <>BDC BT 9 0 0 9 521.8505 627.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 615.1038 Tm -.005 Tc [(passwords. )19.5(The fact)9.8(ors that motiv)7.3(ate people t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.0838 615.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 603.1038 Tm -.005 Tc [(select security o)7.3(ver convenience are vulner)19.5(ability,)]TJ ET EMC /P <>BDC BT 9 0 0 9 556.6854 603.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 591.1038 Tm -.005 Tc [(se)6.3(verity and fear)60.1(. V)13.7(ulner)19.5(ability and se)6.3(verity are)]TJ ET EMC /P <>BDC BT 9 0 0 9 544.7695 591.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 579.1038 Tm -.005 Tc [(per)9.3(ceptions, and fear is an emotion.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 503.7952 582.8788 Tm 0 Tc (9)Tj ET EMC /P <>BDC BT 9 0 0 9 506.7825 579.1038 Tm -.005 Tc ( If the objective)Tj ET EMC /P <>BDC BT 9 0 0 9 567.0006 579.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 567.1038 Tm -.005 Tc [(is t)9.8(o)0( encour)19.5(age employees t)9.8(o)0( choose security o)7.3(ver)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.3564 567.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 555.1038 Tm -.005 Tc [(convenience, these three motiv)7.3(ational fact)9.8(ors must)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.4779 555.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 543.1038 Tm -.005 Tc [(be addressed directly by changing their per)9.3(ceptions)]TJ ET EMC /P <>BDC BT 9 0 0 9 565.6942 543.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 531.1038 Tm -.005 Tc [(and instilling fear)60.1(.)]TJ ET EMC /P <>BDC BT 9 0 0 9 432.137 531.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 411.1038 Tm -.005 Tc [(Employees per)9.3(ceptions of the vulner)19.5(ability of the)]TJ ET EMC /P <>BDC BT 9 0 0 9 556.0404 411.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 399.1038 Tm -.005 Tc [(information systems t)9.8(o)0( which they ha)7.3(ve access are)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.5977 399.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 387.1038 Tm -.005 Tc [(based on the information they ha)7.3(ve. )19.5(The employer)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.8086 387.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 375.1038 Tm -.005 Tc (has rules for creating passwords and changing)Tj ET EMC /P <>BDC BT 9 0 0 9 547.3972 375.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 363.1038 Tm -.005 Tc [(them regularly, pr)9.8(ocedures for identifying who has)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.789 363.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 351.1038 Tm -.005 Tc [(access t)9.8(o)0( what data, and an IT)19.5( depar)-24.4(tment that is)]TJ ET EMC /P <>BDC BT 9 0 0 9 557.3818 351.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 339.1038 Tm -.005 Tc [(dedicated t)9.8(o)0( making sure the system is secure.)]TJ ET EMC /P <>BDC BT 9 0 0 9 548.3541 339.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 327.1038 Tm -.005 Tc [(Based on that information alone, employees belie)6.3(ve)]TJ ET EMC /P <>BDC BT 9 0 0 9 566.0863 327.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 315.1038 Tm -.005 Tc [(the enterprise is not vulner)19.5(able t)9.8(o)0( data breaches, so)]TJ ET EMC /P <>BDC BT 9 0 0 9 565.8152 315.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 303.1038 Tm -.005 Tc [(there is no good reason t)9.8(o)0( select security o)7.3(ver)]TJ ET EMC /P <>BDC BT 9 0 0 9 544.1959 303.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 291.1038 Tm -.005 Tc [(convenience. )19.5(T)48.3(o)0( change their per)9.3(ceptions,)]TJ ET EMC /P <>BDC BT 9 0 0 9 528.3071 291.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 279.1038 Tm -.005 Tc (employees can be shown examples of enterprises)Tj ET EMC /P <>BDC BT 9 0 0 9 559.8326 279.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 267.1038 Tm -.005 Tc [(with similar security contr)9.8(ols that ha)7.3(ve incurred)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.1069 267.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 255.1038 Tm -.005 Tc (signi)Tj /TT7 1 Tf 2.0888 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(cant data breaches. It is useful t)9.8(o)0( tell)]TJ ET EMC /P <>BDC BT 9 0 0 9 531.4704 255.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 243.1038 Tm -.005 Tc [(employees how many attempts t)9.8(o)0( gain)]TJ ET EMC /P <>BDC BT 9 0 0 9 515.5253 243.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 231.1038 Tm -.005 Tc [(unauthorized access ha)7.3(ve been detected and)]TJ ET EMC /P <>BDC BT 9 0 0 9 540.9139 231.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 219.1038 Tm -.005 Tc [(pre)6.3(vented. It should be emphasized that past)]TJ ET EMC /P <>BDC BT 9 0 0 9 540.0417 219.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 207.1038 Tm -.005 Tc [(success in st)9.8(opping unauthorized access does not)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.2256 207.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 195.1038 Tm -.005 Tc (mean that the next attempt will not succeed.)Tj ET EMC /P <>BDC BT 9 0 0 9 537.9456 195.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 183.1038 Tm -.005 Tc (Employees should be reminded that it takes only)Tj ET EMC /P <>BDC BT 9 0 0 9 553.5298 183.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 171.1038 Tm -.005 Tc [(one. )19.5(The threat can be personalized by informing)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.0449 171.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 159.1038 Tm -.005 Tc (employees that their credentials may be the next)Tj ET EMC /P <>BDC BT 9 0 0 9 553.8584 159.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 147.1038 Tm -.005 Tc (target of unauthorized access if they choose)Tj ET EMC /P <>BDC BT 9 0 0 9 538.073 147.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 135.1038 Tm -.005 Tc [(passwords that are t)9.8(oo easily guessed or if they)]TJ ET EMC /P <>BDC BT 9 0 0 9 550.8525 135.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 123.1038 Tm -.005 Tc [(allow others t)9.8(o)0( gain access t)9.8(o)0( their passwords.)]TJ ET EMC /P <>BDC BT 9 0 0 9 548.2037 123.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 111.1038 Tm -.005 Tc [(Employees should be well tr)19.5(ained. People tr)19.5(ained in)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.7714 111.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 99.1038 Tm -.005 Tc [(password de)6.3(velopment create str)9.8(onger passwords)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.9396 99.1038 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5 87.1038 Tm -.005 Tc [(than those who ha)7.3(ve not received tr)19.5(aining.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 529.0839 90.8788 Tm -.0083 Tc (10)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 535.0585 90.8788 Tm 0 Tc ( )Tj ET EMC /Artifact <>BDC .5 .26 .09 0 k /GS1 gs 362.5 428.428 205.5 92.788 re f EMC /P <>BDC BT /TT13 1 Tf 47 .1175 -.1175 47 369.7207 473.9179 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC BT /TT2 1 Tf 14 .035 -.035 14 383.573 495.9524 Tm 0 0 0 0 k [( DA)63(T)38.6(A)0( SENSITIVIT)-7.8(Y MA)45.9(Y BE)]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 557.7116 496.3877 Tm ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 369.7108 477.9176 Tm [(ONE OF )19.5(THE MOST)]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 489.285 478.2165 Tm ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 369.7557 459.9176 Tm [(MISUNDERST)13.7(OOD CONCEPT)7.8(S)]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 558.4413 460.3893 Tm ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 369.8008 441.9176 Tm [(IN SY)7.8(STEM SECURIT)-7.8(Y)103(.)0( )]TJ ET EMC /P <>BDC BT /TT13 1 Tf 47 .1175 -.1175 47 513.4787 420.2769 Tm 0 .35 .9 0 k ()Tj ET EMC /Artifact <>BDC .5 .26 .09 0 k .12 376.022 130.38 292.611 re f EMC /Figure <>BDC Q q 1 i -101.252 377.218 272.018 -172.676 re W n -25.808 376.024 156.308 -124.984 re W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS1 gs q 133.484 0 0 127.415 -1.1039 249.803 cm /Im4 Do Q EMC /P <>BDC Q q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS1 gs BT /TT9 1 Tf 13 0 0 13 17.4823 655.0112 Tm 0 0 0 0 k 0 Tc 0 Tw ( )Tj ET EMC /P <>BDC BT 13 0 0 13 17.4823 642.0112 Tm -.025 Tc (Enjoying)Tj ET EMC /P <>BDC BT 13 0 0 13 64.8771 642.0112 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 13 0 0 13 17.4823 629.0112 Tm -.025 Tc [(this ar)-24.4(ticle?)]TJ ET EMC /P <>BDC BT 13 0 0 13 81.8829 629.0112 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT15 1 Tf 13 0 0 13 17.4823 616.0112 Tm ( )Tj ET EMC /P <>BDC BT /TT17 1 Tf 10 0 0 10 17.4823 604.0112 Tm ()Tj ET EMC /P <>BDC BT /TT19 1 Tf 10 0 0 10 23.9727 604.0112 Tm -.025 Tc ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.4532 604.0112 Tm 0 Tc (Read )Tj ET EMC /P <>BDC BT /TT6 1 Tf 10 0 0 10 53.6046 604.0112 Tm [(Achie)6.4(ving Data)]TJ ET EMC /P <>BDC BT 10 0 0 10 119.4738 604.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 592.0112 Tm (Security and)Tj ET EMC /P <>BDC BT 10 0 0 10 82.8397 592.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 580.0112 Tm [(Compliance: How t)14.6(o)]TJ ET EMC /P <>BDC BT 10 0 0 10 116.5019 580.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 568.0112 Tm (Safeguard Identity,)Tj ET EMC /P <>BDC BT 10 0 0 10 111.0673 568.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 556.0112 Tm [(Pr)17.6(otect Information,)]TJ ET EMC /P <>BDC BT 10 0 0 10 116.3945 556.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 544.0112 Tm (Reduce Risk and)Tj ET EMC /P <>BDC BT 10 0 0 10 101.0477 544.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 532.0112 Tm [(Create V)22.5(alue.)]TJ ET EMC /P <>BDC BT 10 0 0 10 87.1171 532.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 520.0112 Tm [(www)60.5(.isaca.org/)]TJ ET EMC /P <>BDC BT 10 0 0 10 96.7997 520.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 508.0112 Tm (data-security-and-)Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 496.0112 Tm (compliance-2020)Tj ET EMC /P <>BDC BT 10 0 0 10 104.705 496.0112 Tm ( )Tj ET EMC /P <>BDC BT /TT17 1 Tf 10 0 0 10 17.4823 484.0112 Tm ()Tj ET EMC /P <>BDC BT /TT19 1 Tf 10 0 0 10 23.9727 484.0112 Tm -.025 Tc ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.4532 484.0112 Tm 0 Tc (Learn more about,)Tj ET EMC /P <>BDC BT 10 0 0 10 109.7863 484.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 472.0112 Tm (discuss and)Tj ET EMC /P <>BDC BT 10 0 0 10 81.9364 472.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 460.0112 Tm [(collabor)14.6(ate on)]TJ ET EMC /P <>BDC BT 10 0 0 10 92.3417 460.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 448.0112 Tm (information and)Tj ET EMC /P <>BDC BT 10 0 0 10 99.578 448.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 436.0112 Tm (cybersecurity in)Tj ET EMC /P <>BDC BT 10 0 0 10 99.1581 436.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 424.0112 Tm [(ISACA)58.6()113.3(s)0( Online)]TJ ET EMC /P <>BDC BT 10 0 0 10 93.6552 424.0112 Tm ( )Tj ET EMC /P <>BDC BT 10 0 0 10 28.3573 412.0112 Tm [(F)10.3(orums. )]TJ ET EMC /P <>BDC BT 10 0 0 10 67.6591 412.0112 Tm ( )Tj ET EMC /P <>BDC BT /TT6 1 Tf 10 0 0 10 28.3573 400.0112 Tm [(https:/)121.1(/engage.isaca.)]TJ ET EMC /P <>BDC BT 10 0 0 10 28.3573 388.0112 Tm (org/onlineforums)Tj ET EMC Q endstream endobj 113 0 obj <>/XObject<>/ExtGState<>>> endobj 152 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9954 20.9379 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 512.4738 20.9379 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 20.9379 Tm .5 .26 .09 0 k [( V)6.3(OL 5)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 20.9379 Tm .5 .26 .09 0 k (3)Tj ET EMC /P <>BDC /GS2 gs BT 9 0 0 9 35.9471 659.1995 Tm 0 0 0 1 k -.005 Tc (Data sensitivity may be one of the most)Tj ET EMC /P <>BDC BT 9 0 0 9 191.7368 659.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 647.1995 Tm -.005 Tc [(misunderst)9.8(ood concepts in system security.)]TJ ET EMC /P <>BDC BT 9 0 0 9 210.4147 647.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 635.1995 Tm -.005 Tc [(Employees per)9.3(ceptions of sensitivity are informed)]TJ ET EMC /P <>BDC BT 9 0 0 9 234.8269 635.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 623.1995 Tm -.005 Tc [(by news st)9.8(ories about millions of credit card)]TJ ET EMC /P <>BDC BT 9 0 0 9 210.2798 623.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 611.1995 Tm -.005 Tc [(numbers or Social Security numbers being st)9.8(olen or)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.5027 611.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 599.1995 Tm -.005 Tc [(a go)7.3(vernment hacking an enterprise)39.1()54.7(s)0( information)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.0541 599.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 587.1995 Tm -.005 Tc [(system t)9.8(o)0( obtain intellectual pr)9.8(oper)-24.4(ty. )19.5(They may not)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.2258 587.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 575.1995 Tm -.005 Tc [(consider the theft of an enterprise)39.1()54.7(s)0( cust)9.8(omer list or)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.2744 575.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 563.1995 Tm -.005 Tc [(its unpatented pr)9.8(ocess for applying )]TJ /TT7 1 Tf 15.717 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nish t)9.8(o)0( kitchen)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.94 563.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 551.1995 Tm -.005 Tc (cabinets more detrimental than the theft of money.)Tj ET EMC /P <>BDC BT 9 0 0 9 236.7298 551.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 539.1995 Tm -.005 Tc (It is doubtful that employees would identify a large)Tj ET EMC /P <>BDC BT 9 0 0 9 234.7193 539.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 527.1995 Tm -.005 Tc [(gr)9.8(ocery st)9.8(ore chain)39.1()54.7(s)0( preferential pricing fr)9.8(om a)]TJ ET EMC /P <>BDC BT 9 0 0 9 221.7059 527.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 515.1995 Tm -.005 Tc [(major be)6.3(ver)19.5(age company or the preferential shelf)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.8939 515.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 503.1995 Tm -.005 Tc [(space the be)6.3(ver)19.5(age company gets in return as)]TJ ET EMC /P <>BDC BT 9 0 0 9 217.4747 503.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 491.1995 Tm -.005 Tc [(sensitive. Howe)6.3(ver)60.1(, all these examples give an)]TJ ET EMC /P <>BDC BT 9 0 0 9 217.7012 491.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 479.1995 Tm -.005 Tc [(enterprise a competitive adv)7.3(antage and should,)]TJ ET EMC /P <>BDC BT 9 0 0 9 222.4473 479.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 467.1995 Tm -.005 Tc (therefore, be considered sensitive. Employees)Tj ET EMC /P <>BDC BT 9 0 0 9 216.9595 467.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 455.1995 Tm -.005 Tc [(should be educated so that they ha)7.3(ve the same)]TJ ET EMC /P <>BDC BT 9 0 0 9 221.9122 455.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 443.1995 Tm -.005 Tc (understanding of the sensitivity of information as)Tj ET EMC /P <>BDC BT 9 0 0 9 229.8391 443.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 431.1995 Tm -.005 Tc (management does.)Tj ET EMC /P <>BDC BT 9 0 0 9 112.4657 431.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 407.1995 Tm -.005 Tc (Data are not the only sensitive elements in an)Tj ET EMC /P <>BDC BT 9 0 0 9 214.6733 407.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 395.1995 Tm -.005 Tc [(information system. )19.5(The functionality incorpor)19.5(ated)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.7102 395.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 383.1995 Tm -.005 Tc [(int)9.8(o that system is sensitive as well. In this)]TJ ET EMC /P <>BDC BT 9 0 0 9 203.92 383.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 371.1995 Tm -.005 Tc [(technological age, internal contr)9.8(ols are integr)19.5(ated)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.8664 371.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 359.1995 Tm -.005 Tc [(with system security. )19.5(There is a reason why the)]TJ ET EMC /P <>BDC BT 9 0 0 9 222.0595 359.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 347.1995 Tm -.005 Tc [(employee who posts payments t)9.8(o)0( accounts)]TJ ET EMC /P <>BDC BT 9 0 0 9 207.7549 347.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 335.1995 Tm -.005 Tc [(receiv)7.3(able cannot update the cust)9.8(omer )]TJ /TT7 1 Tf 17.3403 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (le.)Tj ET EMC /P <>BDC BT 9 0 0 9 206.1344 335.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 323.1995 Tm -.005 Tc (Employees should be educated about why this is)Tj ET EMC /P <>BDC BT 9 0 0 9 227.7471 323.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 311.1995 Tm -.005 Tc [(so. )19.5(The more employees understand about the)]TJ ET EMC /P <>BDC BT 9 0 0 9 219.7126 311.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 299.1995 Tm -.005 Tc (sensitivity of system functionality, the more)Tj ET EMC /P <>BDC BT 9 0 0 9 207.2345 299.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 287.1995 Tm -.005 Tc [(responsibility they will take t)9.8(o)0( pr)9.8(otect it.)]TJ ET EMC /P <>BDC BT 9 0 0 9 191.9424 287.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 263.1995 Tm -.005 Tc [(Fear is a power)-7.3(ful emotion. Management can use)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.2891 263.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 251.1995 Tm -.005 Tc (fear in two ways: disciplinary action and peer)Tj ET EMC /P <>BDC BT 9 0 0 9 212.8057 251.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 239.1995 Tm -.005 Tc [(pressure. Disciplinary action for failure t)9.8(o)0( comply)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.0164 239.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 227.1995 Tm -.005 Tc (with system security policies is one option.)Tj ET EMC /P <>BDC BT 9 0 0 9 205.1436 227.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 215.1995 Tm -.005 Tc [(Howe)6.3(ver)60.1(, resear)9.3(ch has shown that including these)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.3657 215.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 203.1995 Tm -.005 Tc (types of policies in an employee manual or other)Tj ET EMC /P <>BDC BT 9 0 0 9 227.0198 203.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 191.1995 Tm -.005 Tc (documentation is ineffective. Actions speak louder)Tj ET EMC /P <>BDC BT 9 0 0 9 236.0179 191.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 179.1995 Tm -.005 Tc [(than words, but for disciplinary action t)9.8(o)0( apply, an)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.1246 179.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 167.1995 Tm -.005 Tc [(infr)19.5(action must ha)7.3(ve already occurred. Peer)]TJ ET EMC /P <>BDC BT 9 0 0 9 207.6716 167.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 155.1995 Tm -.005 Tc (pressure may be a better method. An effective)Tj ET EMC /P <>BDC BT 9 0 0 9 218.4185 155.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 143.1995 Tm -.005 Tc [(str)19.5(ategy may be a campaign emphasizing that)]TJ ET EMC /P <>BDC BT 9 0 0 9 217.9109 143.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 131.1995 Tm -.005 Tc [(system security is only as str)9.8(ong as its weakest)]TJ ET EMC /P <>BDC BT 9 0 0 9 223.4823 131.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 119.1995 Tm -.005 Tc [(link: Employees do not want t)9.8(o)0( let their coworkers)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.7859 119.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 107.1995 Tm -.005 Tc (down by being that weak link.)Tj ET EMC /P <>BDC BT 9 0 0 9 152.0294 107.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 83.1995 Tm -.005 Tc [(There are other methods t)9.8(o)0( ensure compliance. F)10.2(o)0(r)]TJ ET EMC /P <>BDC BT 9 0 0 9 238.2557 83.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 35.9471 71.1995 Tm -.005 Tc (instance, managers should lead by example. If)Tj ET EMC /P <>BDC BT 9 0 0 9 218.4142 71.1995 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 537.2351 Tm -.005 Tc (management emphasizes system security and)Tj ET EMC /P <>BDC BT 9 0 0 9 437.4258 537.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 525.2351 Tm -.005 Tc [(makes it par)-24.4(t of the corpor)19.5(ate culture, employees)]TJ ET EMC /P <>BDC BT 9 0 0 9 447.1821 525.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 513.2351 Tm -.005 Tc [(are more likely t)9.8(o)0( take ownership of system security)]TJ ET EMC /P <>BDC BT 9 0 0 9 458.2268 513.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 501.2351 Tm -.005 Tc [(as well. Reminders of the impor)-24.4(tance of system)]TJ ET EMC /P <>BDC BT 9 0 0 9 441.8239 501.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 489.2351 Tm -.005 Tc (security can take many forms including a note in)Tj ET EMC /P <>BDC BT 9 0 0 9 444.3838 489.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 477.2351 Tm -.005 Tc [(the corpor)19.5(ate newsletter)60.1(, a post on an internal)]TJ ET EMC /P <>BDC BT 9 0 0 9 433.7676 477.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 465.2351 Tm -.005 Tc [(bulletin board, a comment in corpor)19.5(ate meetings or)]TJ ET EMC /P <>BDC BT 9 0 0 9 455.3153 465.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 453.2351 Tm -.005 Tc [(a banner that appears on the login screen e)6.3(very )]TJ ET EMC /P <>BDC BT 9 0 0 9 442.3754 453.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 441.2351 Tm -.005 Tc (few months. When management makes security)Tj ET EMC /P <>BDC BT 9 0 0 9 444.2625 441.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 429.2351 Tm -.005 Tc [(impor)-24.4(tant, that message spreads thr)9.8(oughout )]TJ ET EMC /P <>BDC BT 9 0 0 9 432.2206 429.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 417.2351 Tm -.005 Tc (the enterprise.)Tj ET EMC /P <>BDC BT 9 0 0 9 310.2617 417.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT9 1 Tf 11 0 0 11 253.5 391.2351 Tm .722 .129 .671 .012 k -.005 Tc [(P)5.4(assword P)6.3(olicy)]TJ ET EMC /P <>BDC BT 11 0 0 11 334.5094 391.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 253.5 373.2351 Tm 0 0 0 1 k -.005 Tc (Eliminating ineffective requirements such as the)Tj ET EMC /P <>BDC BT 9 0 0 9 443.4961 373.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 361.2351 Tm -.005 Tc [(use of upper)9.3(case and lower)9.3(case letters does not)]TJ ET EMC /P <>BDC BT 9 0 0 9 445.1188 361.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 349.2351 Tm -.005 Tc (mean that all restrictions should be discarded.)Tj ET EMC /P <>BDC BT 9 0 0 9 436.0747 349.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 337.2351 Tm -.005 Tc (When instituting policies for the creation of)Tj ET EMC /P <>BDC BT 9 0 0 9 423.1965 337.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 325.2351 Tm -.005 Tc [(passwords, it is impor)-24.4(tant t)9.8(o)0( remember that)]TJ ET EMC /P <>BDC BT 9 0 0 9 426.7318 325.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 313.2351 Tm -.005 Tc (security-related restrictions should not adversely)Tj ET EMC /P <>BDC BT 9 0 0 9 445.0145 313.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 301.2351 Tm -.005 Tc (affect user convenience. If security is easy, security)Tj ET EMC /P <>BDC BT 9 0 0 9 456.0582 301.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 289.2351 Tm -.005 Tc (is more likely.)Tj ET EMC /P <>BDC BT 9 0 0 9 307.4492 289.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 265.2351 Tm -.005 Tc [(The length of a password is impor)-24.4(tant. Eight)]TJ ET EMC /P <>BDC BT 9 0 0 9 428.1721 265.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 253.2351 Tm -.005 Tc [(char)19.5(acters is a common minimum, but there is no)]TJ ET EMC /P <>BDC BT 9 0 0 9 449.1617 253.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 241.2351 Tm -.005 Tc [(reason t)9.8(o)0( restrict length. )19.5(The longer the password,)]TJ ET EMC /P <>BDC BT 9 0 0 9 451.4823 241.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 229.2351 Tm -.005 Tc [(the harder it is t)9.8(o)0( guess. Limiting length also limits)]TJ ET EMC /P <>BDC BT 9 0 0 9 451.9141 229.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 217.2351 Tm -.005 Tc (the number of possible combinations, which limits)Tj ET EMC /P <>BDC BT 9 0 0 9 451.9634 217.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 205.2351 Tm -.005 Tc (the strength of the password.)Tj ET EMC /P <>BDC BT 9 0 0 9 369.613 205.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 181.2351 Tm -.005 Tc (Restrictions should be imposed on the use of)Tj ET EMC /P <>BDC BT 9 0 0 9 431.7097 181.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 169.2351 Tm -.005 Tc [(pr)9.8(oper names, words in the dictionary and popular)]TJ ET EMC /P <>BDC BT 9 0 0 9 450.9394 169.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 157.2351 Tm -.005 Tc [(phr)19.5(ases such as song titles. Random sequences of)]TJ ET EMC /P <>BDC BT 9 0 0 9 454.4736 157.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 145.2351 Tm -.005 Tc [(letters pr)9.8(o)7.3(vide a much str)9.8(onger password than)]TJ ET EMC /P <>BDC BT 9 0 0 9 437.5051 145.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 133.2351 Tm -.005 Tc [(words because of their r)19.5(andomness.)]TJ ET EMC /P <>BDC BT 9 0 0 9 397.6976 133.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 109.2351 Tm -.005 Tc (When changing a password, the new password)Tj ET EMC /P <>BDC BT 9 0 0 9 438.743 109.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 97.2351 Tm -.005 Tc [(should differ fr)9.8(om the old one by at least three)]TJ ET EMC /P <>BDC BT 9 0 0 9 435.7441 97.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 85.2351 Tm -.005 Tc [(char)19.5(acters. )19.5(This eliminates the pr)19.5(actice of)]TJ ET EMC /P <>BDC BT 9 0 0 9 418.9535 85.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 73.2351 Tm -.005 Tc (sequencing passwords or merely changing a letter)Tj ET EMC /P <>BDC BT 9 0 0 9 452.1313 73.2351 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 253.5 61.2351 Tm -.005 Tc [(fr)9.8(om upper)9.3(case t)9.8(o)0( lower)9.3(case. F)10.2(or example, if the)]TJ ET EMC /P <>BDC BT 9 0 0 9 445.8384 61.2351 Tm 0 Tc ( )Tj ET EMC /Artifact <>BDC .5 .26 .09 0 k /GS1 gs 253.5 558.461 349.5 110.486 re f EMC /P <>BDC BT /TT13 1 Tf 47 .1175 -.1175 47 260.7212 621.6644 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC BT /TT2 1 Tf 14 .035 -.035 14 274.5735 643.6989 Tm 0 0 0 0 k [( IF MANAGEMENT)19.5( EMPH)-8.8(ASIZES SY)7.8(STEM)]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 534.6332 644.349 Tm ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 260.7112 625.6641 Tm [(SECURIT)-7.8(Y AND MAKES IT)19.5( P)67.4(A)0(R)39.1(T)19.5( OF )19.5(THE)]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 508.391 626.2833 Tm ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 260.7563 607.6641 Tm [(CORPORA)63(TE CUL)134.3(TURE, EMPL)31.7(O)21(YEES ARE MORE)]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 556.4106 608.4032 Tm ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 260.8012 589.6641 Tm [(LIKEL)116.7(Y )19.5(T)13.7(O)0( )19.5(T)38.6(AKE OWNERSHIP OF SY)7.8(STEM)]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 521.7701 590.3165 Tm ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 260.8463 571.6641 Tm [(SECURIT)-7.8(Y AS WELL. )]TJ ET EMC /P <>BDC BT /TT13 1 Tf 47 .1175 -.1175 47 391.618 549.9911 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 7 0 0 7 36 28.8068 Tm 0 0 0 1 k [( 2020 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /TT4 1 Tf 7 0 0 7 143.6318 28.8068 Tm [(www)60.5(.isaca.org)]TJ ET EMC Q endstream endobj 153 0 obj <>/ExtGState<>>> endobj 171 0 obj <> endobj 176 0 obj <> endobj 181 0 obj <> endobj 186 0 obj <> endobj 191 0 obj <> endobj 208 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 39.4019 20.9698 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 60.8804 20.9698 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7275 20.9698 Tm .5 .26 .09 0 k [( V)6.3(OL 5)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 20.9698 Tm .5 .26 .09 0 k (4)Tj ET EMC /P <>BDC /GS2 gs BT 9 0 0 9 144.0768 635.4816 Tm 0 0 0 1 k -.005 Tc [(password Puetkq16 was compr)9.8(omised, it would)]TJ ET EMC /P <>BDC BT 9 0 0 9 333.3926 635.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 623.4816 Tm -.005 Tc [(take little effor)-24.4(t for the perpetr)19.5(at)9.8(or t)9.8(o)0( compr)9.8(omise)]TJ ET EMC /P <>BDC BT 9 0 0 9 340.7749 623.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 611.4816 Tm -.005 Tc (Puetkr16 or Puetkq17 once it was changed.)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 315.7638 615.2566 Tm -.0083 Tc (11)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 321.7383 615.2566 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 599.4816 Tm -.02 Tc [(Uniqueness in passwords is par)19.5(amount. Security)]TJ ET EMC /P <>BDC BT 9 0 0 9 329.8164 599.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 587.4816 Tm -.02 Tc [(systems often pre)6.3(vent the reuse of pre)6.3(vious)]TJ ET EMC /P <>BDC BT 9 0 0 9 311.4423 587.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 575.4816 Tm -.02 Tc [(passwords. A str)9.8(ong policy that discour)19.5(ages the use)]TJ ET EMC /P <>BDC BT 9 0 0 9 343.5196 575.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 563.4816 Tm -.02 Tc [(of passwords that ha)7.3(ve been used elsewhere should)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.253 563.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 551.4816 Tm -.02 Tc [(be included in the password change pr)9.8(ocess. Other)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.1686 551.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 539.4816 Tm -.02 Tc (suggestions for users include the following:)Tj ET EMC /P <>BDC BT 9 0 0 9 310.045 539.4816 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.0928 521.5056 Tm -.005 Tc [(Complexity is not necessary, but memor)19.5(ability is.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 347.6894 521.5056 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT17 1 Tf 12 0 0 12 144.0768 521.5056 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 155.0928 503.5296 Tm 0 0 0 1 k -.005 Tc [(A belo)7.3(ved cat or dog does not need t)9.8(o)0( be)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 316.5064 503.5296 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT17 1 Tf 12 0 0 12 144.0768 503.5296 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 155.0928 491.5296 Tm 0 0 0 1 k -.005 Tc [(immor)-24.4(talized in a password.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 267.0858 491.5296 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.0928 473.5536 Tm -.005 Tc [(Bigger is better)60.1(.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 216.647 473.5536 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT17 1 Tf 12 0 0 12 144.0768 473.5536 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 155.0928 455.5776 Tm 0 0 0 1 k -.005 Tc [(Users should be willing t)9.8(o)0( jump thr)9.8(ough a few)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 334.6462 455.5776 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT17 1 Tf 12 0 0 12 144.0768 455.5776 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 155.0928 443.5776 Tm 0 0 0 1 k -.005 Tc [(hoops t)9.8(o)0( keep passwords safe.)]TJ ET EMC /LBody <>BDC BT 5.4 0 0 5.4 278.426 447.3526 Tm -.0083 Tc (12)Tj ET EMC /LBody <>BDC BT 5.4 0 0 5.4 284.4006 447.3526 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 155.0928 425.6016 Tm -.02 Tc [(Employees are an integr)19.5(al par)-24.4(t of system security.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 345.342 425.6016 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT17 1 Tf 12 0 0 12 144.0768 425.6016 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 144.0768 401.6016 Tm 0 0 0 1 k -.005 Tc [(The alternative t)9.8(o)0( user-de)]TJ /TT7 1 Tf 11.1425 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ned passwords is)Tj ET EMC /P <>BDC BT 9 0 0 9 318.5522 401.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 389.6016 Tm -.005 Tc [(assigned passwords. )19.5(The primary objection t)9.8(o)0( this)]TJ ET EMC /P <>BDC BT 9 0 0 9 342.7379 389.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 377.6016 Tm -.005 Tc [(pr)19.5(actice is that users will likely record the)]TJ ET EMC /P <>BDC BT 9 0 0 9 306.2895 377.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 365.6016 Tm -.005 Tc (passwords somewhere that is easily accessible)Tj ET EMC /P <>BDC BT 9 0 0 9 331.8481 365.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 353.6016 Tm -.005 Tc [(because they are afr)19.5(aid they will forget their)]TJ ET EMC /P <>BDC BT 9 0 0 9 316.2684 353.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 341.6016 Tm -.005 Tc [(assigned passwords. Easily accessible t)9.8(o)0( the user)]TJ ET EMC /P <>BDC BT 9 0 0 9 341.6085 341.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 329.6016 Tm -.005 Tc [(may also mean easily accessible t)9.8(o)0( others. )19.5(The)]TJ ET EMC /P <>BDC BT 9 0 0 9 330.2562 329.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 317.6016 Tm -.005 Tc [(solution is t)9.8(o)0( help employees remember their)]TJ ET EMC /P <>BDC BT 9 0 0 9 321.9482 317.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 305.6016 Tm -.005 Tc [(passwords by requiring them t)9.8(o)0( enter the password)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.9127 305.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 293.6016 Tm -.005 Tc [(a second time when they initially receive it. )19.5(This)]TJ ET EMC /P <>BDC BT 9 0 0 9 331.0518 293.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 281.6016 Tm -.005 Tc [(method results in 42 per)9.3(cent of users remembering)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.5655 281.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 269.6016 Tm -.005 Tc [(the password. Requiring them t)9.8(o)0( enter the)]TJ ET EMC /P <>BDC BT 9 0 0 9 309.3828 269.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 257.6016 Tm -.005 Tc [(password a third time increases that per)9.3(centage by)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.0811 257.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 245.6016 Tm -.005 Tc (17 points, and adding one more required entry)Tj ET EMC /P <>BDC BT 9 0 0 9 325.2607 245.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 233.6016 Tm -.005 Tc [(increases it t)9.8(o)0( 70 per)9.3(cent.)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 246.1425 237.3766 Tm -.0083 Tc (13)Tj ET EMC /P <>BDC BT 9 0 0 9 252.1171 233.6016 Tm -.005 Tc ( Although it is tedious,)Tj ET EMC /P <>BDC BT 9 0 0 9 339.4203 233.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 221.6016 Tm -.005 Tc (requiring this repetition the )Tj /TT7 1 Tf 12.0273 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (rst few times a user)Tj ET EMC /P <>BDC BT 9 0 0 9 335.2871 221.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 209.6016 Tm -.005 Tc [(logs on after receiving a new password is likely t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.3344 209.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 197.6016 Tm -.005 Tc [(eliminate the need t)9.8(o)0( record it.)]TJ ET EMC /P <>BDC BT 9 0 0 9 264.0539 197.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT9 1 Tf 11 0 0 11 144.0768 171.6016 Tm .722 .129 .671 .012 k -.005 Tc [(Cust)14.6(omer Access)]TJ ET EMC /P <>BDC BT 11 0 0 11 230.3874 171.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 144.0768 153.6016 Tm 0 0 0 1 k -.005 Tc [(Cust)9.8(omers often ha)7.3(ve access t)9.8(o)0( an enterprise)39.1()54.7(s)]TJ ET EMC /P <>BDC BT 9 0 0 9 330.9901 153.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 141.6016 Tm -.005 Tc [(system. )19.5(They may submit electr)9.8(onic pur)9.3(chase)]TJ ET EMC /P <>BDC BT 9 0 0 9 324.9375 141.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 129.6016 Tm -.005 Tc [(orders, or they may be billed electr)9.8(onically. )19.5(The)]TJ ET EMC /P <>BDC BT 9 0 0 9 328.4821 129.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 117.6016 Tm -.005 Tc [(tr)19.5(ansfer of electr)9.8(onic documents and data fr)9.8(om)]TJ ET EMC /P <>BDC BT 9 0 0 9 331.1351 117.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144.0768 105.6016 Tm -.005 Tc [(computer t)9.8(o)0( computer is common. )19.5(The pr)9.8(ot)9.8(ocols)]TJ ET EMC /P <>BDC BT 9 0 0 9 338.0224 105.6016 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 635.4816 Tm -.005 Tc [(for initiating such tr)19.5(ansactions are v)7.3(aried and often)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.475 635.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 623.4816 Tm -.005 Tc [(quite complex. )19.5(These methodologies are not)]TJ ET EMC /P <>BDC BT 9 0 0 9 538.2881 623.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 611.4816 Tm -.005 Tc [(addressed here; r)19.5(ather)60.1(, cust)9.8(omer access via the)]TJ ET EMC /P <>BDC BT 9 0 0 9 550.4294 611.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 599.4816 Tm -.005 Tc [(enterprise)39.1()54.7(s)0( website is the focus.)]TJ ET EMC /P <>BDC BT 9 0 0 9 491.2706 599.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 575.4816 Tm -.005 Tc [(P)5.4(asswords remain the primary method of)]TJ ET EMC /P <>BDC BT 9 0 0 9 526.2688 575.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 563.4816 Tm -.005 Tc [(authentication for cust)9.8(omers accessing an)]TJ ET EMC /P <>BDC BT 9 0 0 9 531.4557 563.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 551.4816 Tm -.005 Tc [(enterprise)39.1()54.7(s)0( website. )19.5(The restrictions placed on)]TJ ET EMC /P <>BDC BT 9 0 0 9 547.7083 551.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 539.4816 Tm -.005 Tc [(cust)9.8(omers passwords are often the same as those)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.8074 539.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 527.4816 Tm -.005 Tc [(applicable t)9.8(o)0( employees. Howe)6.3(ver)60.1(, there are)]TJ ET EMC /P <>BDC BT 9 0 0 9 536.1733 527.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 515.4816 Tm -.005 Tc [(differences between the two gr)9.8(oups. Cust)9.8(omers)]TJ ET EMC /P <>BDC BT 9 0 0 9 552.3388 515.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 503.4816 Tm -.005 Tc (own some of the data they access, while employees)Tj ET EMC /P <>BDC BT 9 0 0 9 567.588 503.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 491.4816 Tm -.005 Tc [(do not. Cust)9.8(omers access is limited t)9.8(o)0( their own)]TJ ET EMC /P <>BDC BT 9 0 0 9 554.5539 491.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 479.4816 Tm -.005 Tc [(data, while employees ha)7.3(ve access t)9.8(o)0( many)]TJ ET EMC /P <>BDC BT 9 0 0 9 535.2614 479.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 467.4816 Tm -.005 Tc [(cust)9.8(omers data. Cust)9.8(omers require priv)7.3(acy.)]TJ ET EMC /P <>BDC BT 9 0 0 9 536.6479 467.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 455.4816 Tm -.005 Tc [(Employees are subject t)9.8(o)0( internal contr)9.8(ols. )19.5(The)]TJ ET EMC /P <>BDC BT 9 0 0 9 547.45 455.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 443.4816 Tm -.005 Tc [(motiv)7.3(ation for security is different for cust)9.8(omers)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.8278 443.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 431.4816 Tm -.005 Tc (and employees, so the restrictions on their)Tj ET EMC /P <>BDC BT 9 0 0 9 529.8013 431.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 419.4816 Tm -.005 Tc [(authentication pr)9.8(ocedures should also be different.)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.9604 419.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 407.4816 Tm -.005 Tc (This is true whether the enterprise is a healthcare)Tj ET EMC /P <>BDC BT 9 0 0 9 556.6787 407.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 395.4816 Tm -.005 Tc [(pr)9.8(o)7.3(vider)60.1(, an online retailer)60.1(, an insur)19.5(ance company or)]TJ ET EMC /P <>BDC BT 9 0 0 9 566.5425 395.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 383.4816 Tm -.005 Tc (a )Tj /TT7 1 Tf .7815 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nancial institution.)Tj ET EMC /P <>BDC BT 9 0 0 9 447.0861 383.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 359.4816 Tm -.02 Tc [(An examination of 76 websites that co)7.3(ver a spectrum)]TJ ET EMC /P <>BDC BT 9 0 0 9 566.0405 359.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 347.4816 Tm -.02 Tc (of entities identi)Tj /TT7 1 Tf 6.7758 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ed se)6.3(ver)19.5(al interesting)]TJ ET EMC /P <>BDC BT 9 0 0 9 509.582 347.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 335.4816 Tm -.02 Tc [(char)19.5(acteristics. All of them required a password for)]TJ ET EMC /P <>BDC BT 9 0 0 9 557.7307 335.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 323.4816 Tm -.02 Tc (authentication. Nine required personal information as)Tj ET EMC /P <>BDC BT 9 0 0 9 565.962 323.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 311.4816 Tm -.02 Tc (a second method of identifying the user during the)Tj ET EMC /P <>BDC BT 9 0 0 9 554.3378 311.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 299.4816 Tm -.02 Tc [(initial login. )19.5(T)27.8(wo offered multifact)9.8(or authentication.)]TJ ET EMC /P <>BDC BT 9 0 0 9 557.0281 299.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 287.4816 Tm -.02 Tc [(More than half used the upper)9.3(case letter)60.1(, lower)9.3(case)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.3302 287.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 275.4816 Tm -.02 Tc [(letter)60.1(, number and special char)19.5(acter restrictions on)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.595 275.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 263.4816 Tm -.02 Tc (the creation of passwords. All but three required that)Tj ET EMC /P <>BDC BT 9 0 0 9 562.8639 263.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 251.4816 Tm -.02 Tc [(passwords be at least eight char)19.5(acters long. None)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.6344 251.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 239.4816 Tm -.02 Tc (required an assigned password that could not be)Tj ET EMC /P <>BDC BT 9 0 0 9 548.655 239.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 227.4816 Tm -.02 Tc [(changed t)9.8(o)0( a cust)9.8(omer-selected password. One t)9.8(ook)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.9791 227.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 215.4816 Tm -.02 Tc [(a unique appr)9.8(oach: If the password was only eight)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.4806 215.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 203.4816 Tm -.02 Tc [(char)19.5(acters, the upper)9.3(case, lower)9.3(case, number and)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.7222 203.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 191.4816 Tm -.02 Tc [(special char)19.5(acter appr)9.8(oach was used. If the)]TJ ET EMC /P <>BDC BT 9 0 0 9 528.4307 191.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 179.4816 Tm -.02 Tc [(password was at least 12 char)19.5(acters, letters and)]TJ ET EMC /P <>BDC BT 9 0 0 9 546.8711 179.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 167.4816 Tm -.02 Tc (numbers could be used, but no dictionary words or)Tj ET EMC /P <>BDC BT 9 0 0 9 555.2736 167.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 155.4816 Tm -.02 Tc [(pr)9.8(oper names. If it was more than 20 char)19.5(acters,)]TJ ET EMC /P <>BDC BT 9 0 0 9 547.1875 155.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 143.4816 Tm -.02 Tc (there were no restrictions.)Tj ET EMC /P <>BDC BT 9 0 0 9 461.8897 143.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 119.4816 Tm -.005 Tc [(Enterprises appr)9.8(oaches t)9.8(o)0( authentication)]TJ ET EMC /P <>BDC BT 9 0 0 9 526.8591 119.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 107.4816 Tm -.005 Tc [(pr)9.8(ocedures for their websites can be char)19.5(acterized)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.4279 107.4816 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5768 95.4816 Tm -.005 Tc (by the two-by-two matrix in )Tj ET EMC /P <>BDC BT /TT20 1 Tf 9 0 0 9 470.9388 95.4816 Tm 0 Tc ()Tj /TT9 1 Tf .6034 0 TD -.005 Tc (gure 1)Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 501.8253 95.4816 Tm 0 Tc (.)Tj ET EMC /P <>BDC BT 9 0 0 9 504.1488 95.4816 Tm ( )Tj ET EMC /P <>BDC BT 7 0 0 7 414.3912 28.6649 Tm [( 2020 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /TT4 1 Tf 7 0 0 7 522.0229 28.6649 Tm [(www)60.5(.isaca.org)]TJ ET EMC Q endstream endobj 209 0 obj <>/ExtGState<>>> endobj 242 0 obj <> endobj 247 0 obj <> endobj 252 0 obj <> endobj 253 0 obj <> endobj 259 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9954 20.9379 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 512.4738 20.9379 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 20.9379 Tm .5 .26 .09 0 k [( V)6.3(OL 5)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 20.9379 Tm .5 .26 .09 0 k (5)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 36 28.6649 Tm 0 0 0 1 k [( 2020 ISACA. All rights reser)-8.8(ved. )]TJ ET EMC /P <>BDC BT /TT4 1 Tf 7 0 0 7 143.6318 28.6649 Tm [(www)60.5(.isaca.org)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 36.5014 545.6589 Tm -.005 Tc [(Based on the sur)-8.8(vey of 76 websites described,)]TJ ET EMC /P <>BDC BT 9 0 0 9 219.1353 545.6589 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 533.6589 Tm -.005 Tc (many enterprises authentication policies address)Tj ET EMC /P <>BDC BT 9 0 0 9 232.2664 533.6589 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 521.6589 Tm -.005 Tc [(those users included in quadr)19.5(ants 1 and 2. )19.5(The)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.5186 521.6589 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 509.6589 Tm -.005 Tc [(enterprises belie)6.3(ve that their users do not)]TJ ET EMC /P <>BDC BT 9 0 0 9 199.7048 509.6589 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 497.659 Tm -.005 Tc [(understand the char)19.5(acteristics and bene)]TJ /TT7 1 Tf 17.6376 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ts of a)Tj ET EMC /P <>BDC BT 9 0 0 9 225.0527 497.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 485.659 Tm -.005 Tc [(str)9.8(ong password, do not care about security, or)]TJ ET EMC /P <>BDC BT 9 0 0 9 221.7787 485.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 473.659 Tm -.005 Tc [(both. Quadr)19.5(ant 3 is an empty set. Users cannot)]TJ ET EMC /P <>BDC BT 9 0 0 9 221.3975 473.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 461.659 Tm -.005 Tc (select security if they do not understand the)Tj ET EMC /P <>BDC BT 9 0 0 9 209.0719 461.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 449.659 Tm -.005 Tc [(char)19.5(acteristics of security. E)12.7(very enterprise should)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.0891 449.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 437.659 Tm -.005 Tc [(want its cust)9.8(omers t)9.8(o)0( be in quadr)19.5(ant 4, but very few)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.9407 437.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 425.659 Tm -.005 Tc [(made any effor)-24.4(t t)9.8(o)0( get them there. Many required)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.3516 425.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 413.659 Tm -.005 Tc [(cust)9.8(omers t)9.8(o)0( create str)9.8(ong passwords, for)9.3(cing)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.8362 413.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 401.659 Tm -.005 Tc [(them t)9.8(o)0( select security. Howe)6.3(ver)60.1(, almost all of them)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.5911 401.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 389.659 Tm -.005 Tc [(relied on the cust)9.8(omers per)9.3(ception that str)9.8(ong is)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.8485 389.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 377.659 Tm -.005 Tc [(better than weak r)19.5(ather than educating them on the)]TJ ET EMC /P <>BDC BT 9 0 0 9 238.4354 377.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 365.659 Tm -.005 Tc (bene)Tj /TT7 1 Tf 2.1524 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ts of a str)9.8(ong password.)]TJ ET EMC /P <>BDC BT 9 0 0 9 156.6749 365.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 209.659 Tm -.005 Tc [(Cust)9.8(omers motiv)7.3(ations for selecting security o)7.3(ver)]TJ ET EMC /P <>BDC BT 9 0 0 9 234.4364 209.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 197.659 Tm -.005 Tc (convenience are the same as employees:)Tj ET EMC /P <>BDC BT 9 0 0 9 200.7241 197.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 185.659 Tm -.005 Tc [(vulner)19.5(ability, se)6.3(verity and fear)60.1(. An employer can)]TJ ET EMC /P <>BDC BT 9 0 0 9 223.2446 185.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 173.659 Tm -.005 Tc [(inform employees of the vulner)19.5(ability of its systems)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.0813 173.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 161.659 Tm -.005 Tc [(and the se)6.3(verity of the impact of unauthorized)]TJ ET EMC /P <>BDC BT 9 0 0 9 217.7325 161.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 149.659 Tm -.005 Tc (access, and it can instill fear of disciplinary action if)Tj ET EMC /P <>BDC BT 9 0 0 9 239.6454 149.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 137.659 Tm -.005 Tc [(employees fail t)9.8(o)0( take pr)9.8(oper security precautions.)]TJ ET EMC /P <>BDC BT 9 0 0 9 235.7448 137.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 125.659 Tm -.005 Tc [(If an enterprise informs its cust)9.8(omers of the same)]TJ ET EMC /P <>BDC BT 9 0 0 9 234.1859 125.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 113.659 Tm -.005 Tc [(issues, they may take their business elsewhere, t)9.8(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.7401 113.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 101.659 Tm -.005 Tc [(an organization they belie)6.3(ve they can trust. In this)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.1736 101.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5014 89.659 Tm -.005 Tc [(case, educating cust)9.8(omers about the reper)9.3(cussions)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.5238 89.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 545.6589 Tm -.005 Tc [(of a weak password may be detrimental t)9.8(o)0( the)]TJ ET EMC /P <>BDC BT 9 0 0 9 436.9702 545.6589 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 533.6589 Tm -.005 Tc [(business; merely implying that str)9.8(onger is better)]TJ ET EMC /P <>BDC BT 9 0 0 9 443.7369 533.6589 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 521.6589 Tm -.005 Tc (may be the best alternative.)Tj ET EMC /P <>BDC BT 9 0 0 9 363.4662 521.6589 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 497.659 Tm -.005 Tc [(Education is still the key t)9.8(o)0( encour)19.5(aging cust)9.8(omers)]TJ ET EMC /P <>BDC BT 9 0 0 9 455.2485 497.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 485.659 Tm -.005 Tc [(t)9.8(o)0( use str)9.8(ong passwords. )19.5(The pr)9.8(ocedures for)]TJ ET EMC /P <>BDC BT 9 0 0 9 431.6362 485.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 473.659 Tm -.005 Tc [(password de)6.3(velopment applicable t)9.8(o)0( employees are)]TJ ET EMC /P <>BDC BT 9 0 0 9 459.7649 473.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 461.659 Tm -.005 Tc [(just as applicable t)9.8(o)0( cust)9.8(omers. A creative)]TJ ET EMC /P <>BDC BT 9 0 0 9 421.7441 461.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 449.659 Tm -.005 Tc [(appr)9.8(oach may lead t)9.8(o)0( more secure passwords.)]TJ ET EMC /P <>BDC BT 9 0 0 9 439.5903 449.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT9 1 Tf 11 0 0 11 254.5767 423.659 Tm .722 .129 .671 .012 k -.005 Tc (Conclusion)Tj ET EMC /P <>BDC BT 11 0 0 11 309.3655 423.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 254.5767 405.659 Tm 0 0 0 1 k -.005 Tc [(User authentication methods ha)7.3(ve become much)]TJ ET EMC /P <>BDC BT 9 0 0 9 448.6201 405.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 393.659 Tm -.005 Tc [(more sophisticated o)7.3(ver time. Howe)6.3(ver)60.1(, passwords)]TJ ET EMC /P <>BDC BT 9 0 0 9 456.2053 393.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 381.659 Tm -.005 Tc (are still widely used for authentication purposes.)Tj ET EMC /P <>BDC BT 9 0 0 9 445.6167 381.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 369.659 Tm -.005 Tc [(Implementing pr)9.8(ocedures for the creation of)]TJ ET EMC /P <>BDC BT 9 0 0 9 428.8589 369.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 357.659 Tm -.005 Tc [(passwords based on studies of human beha)7.3(vior)]TJ ET EMC /P <>BDC BT 9 0 0 9 443.8389 357.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 345.659 Tm -.005 Tc (and common sense can make information )Tj ET EMC /P <>BDC BT 9 0 0 9 423.819 345.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 333.659 Tm -.005 Tc [(systems more securean objective that e)6.3(veryone)]TJ ET EMC /P <>BDC BT 9 0 0 9 449.844 333.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.5767 321.659 Tm -.005 Tc [(should embr)19.5(ace.)]TJ ET EMC /P <>BDC BT 9 0 0 9 320.4001 321.659 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT9 1 Tf 11 0 0 11 254.5767 295.659 Tm .72 .13 .61 .01 k -.005 Tc (Endnotes)Tj ET EMC /P <>BDC BT 11 0 0 11 300.382 295.659 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 271.9404 277.6589 Tm 0 0 0 1 k -.005 Tc [(Gr)19.5(assi, P)158.2(.; J. Fent)9.8(on; NIST)19.5( Special Publication)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 452.2949 277.6589 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 9 0 0 9 259.5768 277.6589 Tm 0 .35 .9 0 k (1)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 271.5768 265.6589 Tm 0 0 0 1 k -.005 Tc [(800-63-3 Digital Identity Guidelines,)83( National)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 448.2893 265.6589 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 271.5768 253.659 Tm -.005 Tc [(Institute of Standards and )19.5(Technology, USA,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 444.5713 253.659 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 271.5768 241.659 Tm -.005 Tc (June 2017, )Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 317.1806 241.659 Tm [(https:/)109.4(/pages.nist.go)7.3(v/800-63-3/)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 443.4243 241.659 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 271.5768 229.659 Tm -.005 Tc (sp800-63-3.html#mfa-de)Tj /TT21 1 Tf 10.6787 0 TD 0 Tc ()Tj /TT4 1 Tf .537 0 TD -.005 Tc (nition)Tj ET EMC /LBody <>BDC BT 9 0 0 9 394.2112 229.659 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 271.9404 217.659 Tm -.005 Tc [(Florncio, D.; C. Herley; P)158.2(.)0( V)22.5(an Oorschot;)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 428.6849 217.659 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 9 0 0 9 259.5768 217.659 Tm 0 .35 .9 0 k (2)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 271.5768 205.659 Tm 0 0 0 1 k -.005 Tc [(Pushing on String: )19.5(The Don)39.1(t Care)39.1( Region )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 441.371 205.659 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 271.5768 193.659 Tm -.005 Tc [(of P)5.4(assword Strength,)83( )]TJ ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 363.5436 193.659 Tm (Communications of )Tj ET EMC /LBody <>BDC BT 9 0 0 9 442.1564 193.659 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 271.5768 181.659 Tm -.005 Tc (the ACM)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 305.012 181.659 Tm [(, v)7.3(ol. 59, iss. 11, 2016, p. 6674,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 429.6484 181.659 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 271.5768 169.659 Tm -.005 Tc [(https:/)109.4(/www)60.5(.micr)9.8(osoft.com/en-us/resear)9.3(ch/)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 443.9098 169.659 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 271.5768 157.659 Tm -.03 Tc (wp-content/uploads/2016/09/pushingOnString.pdf)Tj ET EMC /LBody <>BDC BT 9 0 0 9 459.0074 157.659 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 271.9404 145.659 Tm -.005 Tc [(Campbell, J.; W)60(.)0( Ma; D. Kleeman; Impact of)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 443.6077 145.659 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 9 0 0 9 259.5768 145.659 Tm 0 .35 .9 0 k (3)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 271.5768 133.6589 Tm 0 0 0 1 k -.005 Tc [(Restrictive Composition P)6.3(olicy on User)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 424.4495 133.6589 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 271.5768 121.6589 Tm -.005 Tc [(P)5.4(assword Choices,)83( )]TJ ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 351.4848 121.6589 Tm [(Beha)7.3(viour and Information)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 454.2339 121.6589 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 271.5768 109.6589 Tm -.005 Tc (Technology)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 316.6983 109.6589 Tm [(, v)7.3(ol. 30, iss. 3, 2011, p. 379388)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 444.6219 109.6589 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q .56471 .24314 .086274 0 k /GS1 gs 36.577 629.412 421.938 15.5 re f .72 .13 .67 .01 k 1 i 36.577 629.412 267.7 -34.75 re 304.277 629.412 74.4 -34.75 re 378.677 629.412 79.838 -34.75 re f 0 .122 .315 0 k 36.577 594.662 267.7 -14.75 re 304.277 594.662 74.4 -14.75 re 378.677 594.662 79.838 -14.75 re f .11373 .047059 .019608 0 k 36.577 579.912 267.7 -14.75 re 304.277 579.912 74.4 -14.75 re 378.677 579.912 79.838 -14.75 re f q 459.015 644.912 -422.938 -80.25 re 36.077 644.912 m W n 36.077 644.912 422.938 -80.25 re W n 0 0 0 0 K 0 J 0 j 1 w 10 M [] 0 d q 1 0 0 1 36.577 595.162 cm 0 0 m 0 33.25 l S Q 2 w q 1 0 0 1 36.077 629.412 cm 0 0 m 268.2 0 l S Q Q 0 0 0 0 K 0 J 0 j 2 w 10 M [] 0 d q 1 0 0 1 304.277 629.412 cm 0 0 m 74.4 0 l S 1 0 0 1 74.4 0 cm 0 0 m 79.838 0 l S Q q 459.015 644.912 -422.938 -80.25 re 36.077 644.912 m W n 36.077 644.912 422.938 -80.25 re W n 1 w q 1 0 0 1 36.577 580.412 cm 0 0 m 0 13.75 l S 1 0 0 1 -.5 14.25 cm 0 0 m 268.2 0 l S Q Q 1 w q 1 0 0 1 304.277 594.662 cm 0 0 m 74.4 0 l S Q q 459.015 644.912 -422.938 -80.25 re 36.077 644.912 m W n 36.077 644.912 422.938 -80.25 re W n q 1 0 0 1 378.677 594.662 cm 0 0 m 80.338 0 l S 1 0 0 1 79.838 -14.25 cm 0 0 m 0 13.75 l S 1 0 0 1 -422.438 -.5 cm 0 0 m 268.2 0 l S 1 0 0 1 .5 -14.25 cm 0 0 m 0 13.75 l S 1 0 0 1 -.5 -.5 cm 0 0 m 268.2 0 l S Q Q q 1 0 0 1 304.277 579.912 cm 0 0 m 74.4 0 l S 1 0 0 1 0 -14.75 cm 0 0 m 74.4 0 l S Q q 459.015 644.912 -422.938 -80.25 re 36.077 644.912 m W n 36.077 644.912 422.938 -80.25 re W n q 1 0 0 1 378.677 579.912 cm 0 0 m 80.338 0 l S 1 0 0 1 79.838 -14.25 cm 0 0 m 0 13.75 l S 1 0 0 1 -79.838 -.5 cm 0 0 m 80.338 0 l S Q Q q 1 0 0 1 304.277 595.162 cm 0 0 m 0 33.25 l S 1 0 0 1 0 -14.75 cm 0 0 m 0 13.75 l S 1 0 0 1 0 -14.75 cm 0 0 m 0 13.75 l S 1 0 0 1 74.4 29.5 cm 0 0 m 0 33.25 l S 1 0 0 1 0 -14.75 cm 0 0 m 0 13.75 l S 1 0 0 1 0 -14.75 cm 0 0 m 0 13.75 l S Q BT /F2 1 Tf 10 0 0 10 186.4138 633.4128 Tm 0 0 0 0 k -.0141 Tc .0221 Tw [(Figur)9.9(e 1A)5.2(uthentication Matrix)]TJ 9 0 0 9 319.6957 618.6627 Tm -.0099 Tc -.0001 Tw [(User selects)-10.4( )]TJ -1.004 -1.111 TD .0011 Tw [(conv)5.9(enience o)7.6(v)6(er)-9.8( )]TJ 1.848 -1.111 TD 0 Tw (security)Tj 7.725 2.222 TD -.0001 Tw [(User selects)-10.4( )]TJ -.118 -1.111 TD 0 Tw [(security o)7.7(v)6.1(er)-9.7( )]TJ .075 -1.111 TD [(conv)6.1(enience)]TJ ET /GS2 gs BT /F3 1 Tf 9 0 0 9 40.5695 583.9142 Tm 0 0 0 1 k -.0095 Tc -.0151 Tw [(U)14.7(s)15.4(e)15.2(r)14.5( d)15.4(o)14.7(e)15.2(s)15.4( n)14.5(o)14.7(t)15.5( u)14.6(n)14.5(d)15.4(e)15.2(r)14.5(s)15.4(t)15.5(a)15.1(n)14.5(d)15.4( c)14.7(h)14.6(a)15.1(r)33.8(a)15.1(c)14.7(t)15.5(e)15.2(r)14.5(i)15.1(s)15.4(t)15.5(i)15.1(c)14.7(s)15.4( a)15.1(n)14.5(d)15.4( b)14.6(e)15.2(n)14.5(e)15.2(f)15.4(i)15.1(t)15.5(s)15.4( o)14.7(f)15.4( a)15.1( s)15.4(t)15.5(r)23.9(o)14.2(n)14.5(g)14.6( p)14.6(a)15.1(s)15.4(s)15.4(w)14.9(o)14.7(r)23.9(d)-1654(Quadr)18.7(a)-.3(nt )-15.7(1)-4036.3(Q)-.4(uadr)18.8(ant )-15.6(3)]TJ 0 -1.639 TD .0004 Tw [(User understands char)19.5(acteristics and benefits of a str)9.5(o)-.1(ng passwor)9.5(d)-3687(Q).5(uadr)19.4(ant 2)-4035.6(Quadr)19.5(ant 4)]TJ ET EMC /Artifact <>BDC q 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .5 .26 .09 0 k /GS1 gs 36.407 226.449 205.5 128.347 re f EMC /P <>BDC BT /TT13 1 Tf 47 .1175 -.1175 47 43.6295 307.5172 Tm 0 .35 .9 0 k 0 Tc 0 Tw ()Tj ET EMC /P <>BDC BT /TT2 1 Tf 14 .035 -.035 14 56.5419 329.5493 Tm 0 0 0 0 k -.02 Tc [( CUST)13.7(OMERS MO)13.2(TIV)36.6(A)63(TIONS)]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 231.7612 329.9873 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 43.6195 311.5168 Tm -.02 Tc [(FOR SELEC)14.2(TING SECURIT)-7.8(Y)]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 206.4723 311.924 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 43.6645 293.5168 Tm -.02 Tc [(O)10.7(VER CONVENIENCE ARE )]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 203.2289 293.9157 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 43.7095 275.5168 Tm -.02 Tc [(THE SAME AS EMPL)31.7(O)21(YEES:)]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 213.2618 275.9407 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 43.7545 257.5168 Tm -.02 Tc [(VULNERABILIT)-7.8(Y)103(,)0( SEVERIT)-7.8(Y )]TJ ET EMC /P <>BDC BT 14 .035 -.035 14 209.6432 257.9315 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 14 .035 -.035 14 43.7995 239.5168 Tm -.02 Tc (AND FEAR. )Tj ET EMC /P <>BDC BT /TT13 1 Tf 47 .1175 -.1175 47 113.4133 217.6911 Tm 0 .35 .9 0 k 0 Tc ()Tj ET EMC Q endstream endobj 260 0 obj <>/ExtGState<>>> endobj 277 0 obj <> endobj 282 0 obj <> endobj 287 0 obj <> endobj 292 0 obj <> endobj 297 0 obj <> endobj 302 0 obj <> endobj 307 0 obj <> endobj 312 0 obj <> endobj 317 0 obj <> endobj 322 0 obj <> endobj 327 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 39.4019 20.9698 Tm 0 0 0 1 k 0 Tc 0 Tw (ISACA )Tj ET EMC /P <>BDC BT 7 0 0 7 60.8804 20.9698 Tm (JOURNAL)Tj ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7275 20.9698 Tm .5 .26 .09 0 k [( V)6.3(OL 5)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 20.9698 Tm .5 .26 .09 0 k (6)Tj ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 161.3636 663.431 Tm 0 0 0 1 k -.005 Tc [(Yildirim, M.; I. Mackie; Encour)19.5(aging Users t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 336.4028 663.431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 9 0 0 9 149 663.431 Tm 0 .35 .9 0 k (4)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161 651.431 Tm 0 0 0 1 k -.005 Tc [(Impr)9.8(o)7.3(ve P)5.4(assword Security and Memor)19.5(ability,)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 343.8812 651.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 161 639.431 Tm -.005 Tc (International Journal of Information Security)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 332.2389 639.431 Tm 0 Tc (,)Tj ET EMC /LBody <>BDC BT 9 0 0 9 333.9606 639.431 Tm ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 627.431 Tm -.005 Tc [(v)7.3(ol. 18, iss. 6, 2019, p. 741759, )]TJ ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 288.9236 627.431 Tm [(https:/)109.4(/link.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 332.9258 627.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 615.431 Tm -.03 Tc [(springer)60.1(.com/ar)-24.4(ticle/10.1007/s10207-019-00429-y)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 347.4355 615.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161.3636 603.431 Tm -.005 Tc (Op cit )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 186.1239 603.431 Tm (Florncio)Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 222.8177 603.431 Tm ( et al.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 243.7767 603.431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 9 0 0 9 149 603.431 Tm 0 .35 .9 0 k (5)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161.3636 591.431 Tm 0 0 0 1 k -.005 Tc [(Coggins, P)158.2(.)0( E., III; Implications of What Children)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 348.9088 591.431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 9 0 0 9 149 591.431 Tm 0 .35 .9 0 k (6)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161 579.431 Tm 0 0 0 1 k -.005 Tc [(K)11.2(now About Computer P)5.4(asswords,)83( )]TJ ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 303.1695 579.431 Tm (Computers)Tj ET EMC /LBody <>BDC BT 9 0 0 9 346.1123 579.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 567.431 Tm -.005 Tc (in the Schools)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 215.6622 567.431 Tm [(, v)7.3(ol. 30, iss. 3, 2013, p. 282293)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 343.5859 567.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161.3636 555.431 Tm -.005 Tc [(T)55.2(am, L.; M. Glassman; M. V)22.5(andenwauver; The)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 343.0988 555.431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 9 0 0 9 149 555.431 Tm 0 .35 .9 0 k (7)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 161 543.431 Tm 0 0 0 1 k -.005 Tc [(Psychology of P)5.4(assword Management: A)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 323.4197 543.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 531.431 Tm -.005 Tc [(T)36.6(r)19.5(adeoff Between Security and Convenience,)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 339.4086 531.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 161 519.431 Tm -.005 Tc [(Beha)7.3(viour and Information )19.5(Technology)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 310.8557 519.431 Tm [(, v)7.3(ol. 29,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 342.4816 519.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 507.431 Tm -.005 Tc (iss. 3, 2010, p. 233244, )Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 259.0194 507.431 Tm [(https:/)109.4(/www)60.5(.resear)9.3(ch)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 342.3718 507.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 495.431 Tm -.02 Tc (gate.net/publication/220208616_The_psychology)Tj ET EMC /LBody <>BDC BT 9 0 0 9 347.3943 495.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 483.431 Tm -.005 Tc [(_of_password_management_A_tr)19.5(adeoff_)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 318.7625 483.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 471.431 Tm -.005 Tc (between_security_and_convenience)Tj ET EMC /LBody <>BDC BT 9 0 0 9 299.6099 471.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 161.3636 459.431 Tm -.03 Tc [(Kelly, C. J.; The P)5.4(assword Is: Useless \(Pr)9.8(obably\),)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 345.6758 459.431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 9 0 0 9 149 459.431 Tm 0 .35 .9 0 k (8)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT4 1 Tf 9 0 0 9 161 447.431 Tm 0 0 0 1 k -.03 Tc [(Computer)-8.3(world)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 218.1215 447.431 Tm [(, v)7.3(ol. 38, iss. 49, 2004, p. 32,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 319.679 447.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 161 435.431 Tm -.04 Tc [(https:/)109.4(/www)60.5(.computer)-8.3(world.com/ar)-24.4(ticle/2567669/)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 343.9193 435.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 161 423.431 Tm -.03 Tc [(the-password-is- -useless- -pr)9.8(obably-.html)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 312.6009 423.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 379.8636 663.431 Tm (B)Tj ET EMC /LBody <>BDC BT 9 0 0 9 385.4216 663.431 Tm -.02 Tc [(urns, A. J.; C. P)6.3(osey; )19.5(T)106.4(.)0( L. Rober)-24.4(ts; P)158.2(.)0( B. Lowry;)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 557.7061 663.431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 9 0 0 9 367.5 663.431 Tm 0 .35 .9 0 k (9)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.5 651.431 Tm 0 0 0 1 k -.02 Tc (Examining the Relationship of Organizational)Tj ET EMC /LBody <>BDC BT 9 0 0 9 553.5543 651.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 639.431 Tm -.02 Tc (Insiders Psychological Capital With Information)Tj ET EMC /LBody <>BDC BT 9 0 0 9 561.8518 639.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 627.431 Tm -.02 Tc [(Security )19.5(Threat and Coping Appr)19.5(aisals,)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 529.0889 627.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 379.5 615.431 Tm -.02 Tc [(Computers in Human Beha)7.3(vior)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 494.2818 615.431 Tm [(, v)7.3(ol. 68, 2017, )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 549.7354 615.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 603.431 Tm -.02 Tc (p. 190209)Tj ET EMC /LBody <>BDC BT 9 0 0 9 423.5747 603.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 380.0272 591.431 Tm -.005 Tc [(Weber)60.1(, J. E.; D. Guster; P)158.2(.)0( Safono)7.3(v; M. B.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 535.7918 591.431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 9 0 0 9 362.5 591.431 Tm 0 .35 .9 0 k (10)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.5 579.431 Tm 0 0 0 1 k -.005 Tc [(Schmidt; Weak P)5.4(assword Security: An)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 532.2297 579.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 567.431 Tm -.005 Tc [(Empirical Study,)83( )]TJ ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 447.2099 567.431 Tm (Information Security Journal: )Tj ET EMC /LBody <>BDC BT 9 0 0 9 561.5859 567.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 555.431 Tm -.005 Tc (A Global Perspective)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 459.8068 555.431 Tm [(, v)7.3(ol. 17, iss. 1, 2008, )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 542.3059 555.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 543.431 Tm -.005 Tc (p. 4554)Tj ET EMC /LBody <>BDC BT 9 0 0 9 414.9073 543.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 380.0272 531.431 Tm -.005 Tc [(McClure, S.; J. Scambr)19.5(ay; P)6.3(oorly Chosen)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 542.1527 531.431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 9 0 0 9 362.5 531.431 Tm 0 .35 .9 0 k (11)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.5 519.431 Tm 0 0 0 1 k -.005 Tc [(P)5.4(asswords Constitute Most Common )19.5(Threat t)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 565.767 519.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 507.431 Tm -.005 Tc [(Network Security,)83( )]TJ ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 453.1678 507.431 Tm [(InfoW)15.1(orld)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 490.9383 507.431 Tm [(, v)7.3(ol. 21, iss. 43,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 552.3234 507.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 495.431 Tm -.005 Tc (1999, p. 60)Tj ET EMC /LBody <>BDC BT 9 0 0 9 422.968 495.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 380.0272 483.431 Tm -.005 Tc [(Renzulli, K. A.; How t)9.8(o)0( Create a Hack-Pr)9.8(oof)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 550.5553 483.431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 9 0 0 9 362.5 483.431 Tm 0 .35 .9 0 k (12)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.5 471.431 Tm 0 0 0 1 k -.005 Tc [(P)5.4(assword Y)31.7(ou Can Actually Remember)60.1(,)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 536.9626 471.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 379.5 459.431 Tm -.005 Tc (Newsweek Global)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 448.5972 459.431 Tm [(, v)7.3(ol. 174, iss. 5, 2020,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 533.9219 459.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 447.431 Tm -.005 Tc ( p. 1014)Tj ET EMC /LBody <>BDC BT 9 0 0 9 417.0902 447.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 380.0272 435.431 Tm -.005 Tc [(W)15.1(oods, N.; M. Siponen; Impr)9.8(o)7.3(ving P)5.4(assword)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 557.0701 435.431 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT9 1 Tf 9 0 0 9 362.5 435.431 Tm 0 .35 .9 0 k (13)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.5 423.431 Tm 0 0 0 1 k -.005 Tc [(Memor)19.5(ability, While Not Inconveniencing the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 554.8324 423.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 411.431 Tm -.005 Tc [(User)60.1(,)83()0( )]TJ ET EMC /LBody <>BDC BT /TT4 1 Tf 9 0 0 9 403.3947 411.431 Tm (International Journal of Human-Computer)Tj ET EMC /LBody <>BDC BT 9 0 0 9 565.0289 411.431 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.5 399.431 Tm -.005 Tc (Studies)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 408.501 399.431 Tm [(, v)7.3(ol. 128, 2019, p. 6171)]TJ ET EMC /P <>BDC BT 7 0 0 7 414.3912 28.6649 Tm 0 Tc [( 2020 ISACA. 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