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The Digital Skills Gap Solution: How Organizations Can Prepare for the Al Era

Addressing the Digital Skills Deficit: Equipping Organizations for the Artificial Intelligence Era

The specter of the AI Era looms large, promising both innovation and disruption. While artificial intelligence offers exciting possibilities for businesses, a significant hurdle stands in the way – the digital skills gap. 

Organizations struggling to find talent equipped to harness this transformative technology risk falling behind. But fear not, for there are solutions!

The digital skills gap refers to the discrepancy between the digital skills employers require and the skills their current workforce possesses. This gap is particularly acute in areas like data science, cybersecurity, and AI itself. 

As AI becomes more pervasive, the need for professionals who can understand, manage, and leverage its potential will skyrocket.

i. Understanding the Digital Skills Gap

The digital skills gap refers to the disparity between the skills required to effectively implement and utilize new technologies and the current capabilities of the workforce. 

In the context of AI, this gap includes a broad range of competencies:

o Technical skills: Proficiency in AI and machine learning (ML), data analytics, programming languages (such as Python and R), and familiarity with AI tools and frameworks.

o Soft skills: Critical thinking, problem-solving, adaptability, and creativity – essential for leveraging AI in innovative ways.

o Business acumen: Understanding how AI can drive strategic business goals, improve customer experiences, and optimize operations.

ii. Steps to Bridge the Digital Skills Gap

A. Conduct a Skills Assessment

Before implementing any training program, it’s crucial for organizations to understand their current capabilities and identify specific skill gaps. This can be achieved through:

o Surveys and interviews: Gathering insights from employees about their existing skills and aspirations.

o Performance metrics: Analyzing productivity, efficiency, and innovation levels to pinpoint areas for improvement.

o Market analysis: Understanding industry standards and benchmarking against competitors.

B. Develop Customized Training Programs

Once the skills gaps are identified, organizations should design tailored training programs that address their unique needs. Effective training strategies include:

o In-house training: Developing courses and workshops led by internal experts or hiring specialized trainers.

o Online learning platforms: Leveraging resources like Coursera, Udacity, and LinkedIn Learning to provide employees with flexible, on-demand education.

o Certification programs: Encouraging employees to pursue certifications from reputable institutions, which validate their expertise in specific areas.

C. Encourage a Culture of Continuous Learning

Technology evolves rapidly, and so must the skills of the workforce. Fostering a culture that values continuous learning is critical for long-term success. Strategies to achieve this include:

o Leadership support: Ensuring that top management champions learning initiatives and allocates necessary resources.

o Incentives and recognition: Rewarding employees who actively participate in training programs and apply their new skills.

o Knowledge sharing: Creating platforms for employees to share insights, collaborate on projects, and mentor peers.

D. Collaborate with External Partners

Organizations don’t have to tackle the digital skills gap alone. Partnerships with educational institutions, industry associations, and technology vendors can provide valuable support:

o Academic collaborations: Working with universities to co-develop curricula that align with industry needs and offer internships or co-op programs.

o Industry forums: Participating in conferences, workshops, and roundtables to stay abreast of trends and best practices.

o Vendor training: Leveraging training resources from technology providers to ensure employees are proficient with the latest tools and platforms.

E. Adopt AI Tools to Facilitate Learning

Ironically, AI itself can be a powerful ally in bridging the digital skills gap. AI-driven learning platforms can personalize training experiences, recommend relevant content, and offer real-time feedback. Additionally, AI can assist in:

o Talent identification: Using data analytics to identify employees with the potential to develop critical AI skills.

o Skill mapping: Automating the analysis of existing skills and predicting future needs to ensure training programs remain relevant.

F. Embrace Lifelong Learning

Technology is constantly evolving. Foster a culture of continuous learning within your organization. Encourage employees to pursue online courses, certifications, or even internal knowledge-sharing initiatives.

G. Think Outside the Box

Don’t limit your talent pool to traditional four-year degrees. Consider alternative training paths like bootcamps, micro-credentials, or upskilling programs specifically designed for career changers.

H. Invest in Reskilling

Many existing employees possess valuable skills and experience. Invest in reskilling programs that bridge the gap between their current skillset and the demands of the AI Era.

I. Promote Digital Fluency at All Levels

Leadership must champion digital fluency across the organization.Encourage open communication and collaboration between technical and non-technical teams.

iii. Measuring Success and Adapting Strategies

To ensure the effectiveness of efforts to bridge the digital skills gap, organizations should regularly measure and evaluate their strategies. Key performance indicators (KPIs) might include:

o Skill Acquisition Rates: Track the number of employees gaining AI-related skills and certifications.

o Project Outcomes: Assess the success of AI projects and the contribution of newly acquired skills to these projects.

o Employee Engagement and Retention: Monitor employee satisfaction and retention rates, particularly among those participating in upskilling programs.

iv. Conclusion

As AI continues to shape the future of work, organizations must proactively address the digital skills gap to secure their competitive edge and foster a resilient, innovative workforce. 

By conducting thorough skills assessments, developing customized training programs, fostering a culture of continuous learning, leveraging external partnerships, and adopting AI-driven learning tools, organizations can effectively bridge the digital skills gap. 

Preparing for an AI-driven future is not merely a technological challenge but a strategic imperative. 

Companies that invest in their people today will be the leaders of tomorrow, poised to harness the power of AI for innovation, growth, and competitive advantage.

The future is here, and it is digital; preparing for it is not just an option but a necessity for success.

v. Further references 

The Digital Skills Gap Solution: How Organizations Can Prepare for the AI Era

LinkedIn · Business-Higher Education Forum20+ reactions  ·  2 months agoWhat’s Next for AI and Digital Skills in the Workforce

IBMhttps://www.ibm.com › blog › ai-u…Upskilling and reskilling for talent transformation in the era of AI

The World Economic Forumhttps://www.weforum.org › 2024/01Why we must bridge the skills gap to harness the power of AI

Harnhamhttps://www.harnham.com › the-ai-s…Addressing the AI and digital skills gap

The CPD Certification Servicehttps://cpduk.co.uk › news › navig…Navigating the AI skills gap with upskilling and reskilling

CIO | The voice of IT leadershiphttps://www.cio.com › article › ho…How can businesses prepare their workforce to have the digital skills of tomorrow’s AI- …

SAPhttps://www.sap.com › viewpointsUpskilling Your Workforce for the AI Er

Credly by Pearsonhttps://learn.credly.com › blog › wh…Who Needs to Upskill and Reskill In The AI Era?

LinkedInhttps://www.linkedin.com › pulseCreating a future-proof workforce: Using AI for …

British Council – Corporate English Solutionshttps://corporate.britishcouncil.org › …Closing the AI skills gap: Empowering the workforce through upskilling and reskilling

MIT CISRhttps://cisr.mit.edu › publicationResolving Workforce Skills Gaps with AI-Powered Insights

Agility PR Solutionshttps://www.agilitypr.com › pr-newsAs companies prepare for upskilling workforces in the age of AI, new HR survey …

AI Businesshttps://aibusiness.com › how-you-…How you can bridge the AI skills gap

OECD iLibraryhttps://www.oecd-ilibrary.org › sites5. Skill needs and policies in the age of artificial intelligence

Deloittehttps://www2.deloitte.com › …PDFThe upskilling imperative – Building a future-ready workforce for the AI age

CIO Divehttps://www.ciodive.com › newsSkills gap threatens new tech implementation, executives say

The Importance of Cyber Resilience in the Era of Technological Advancements

The Imperative Role of Cyber Resilience in the Age of Technological Advancements

In an era defined by rapid technological advancements, the importance of cyber resilience has dramatically surged. 

With complex technologies populating organizations’ landscapes, businesses, governments, and individuals have become more reliant on technology for various functions. 

However, the increased complexity, interconnectivity, and digitization come with greater risks of cyber threats. 

Cyber resilience has, thus, emerged as a critical factor for survival and success in the current digital age.

As the world becomes increasingly interconnected, the risk of cyber threats looms larger than ever, making it imperative for individuals, businesses, and nations to fortify their defenses against potential digital adversaries.

i. Here’s why cyber resilience matters:

A. The Evolving Threat Landscape

Technological advancements have brought forth numerous benefits, but they have also given rise to a sophisticated and ever-evolving threat landscape. Cybercriminals exploit vulnerabilities in interconnected systems, aiming to compromise data integrity, privacy, and disrupt critical operations. From ransomware attacks to identity theft, the consequences of a successful cyber breach can be devastating.

B. Adaptability in the Face of Uncertainty

Cyber resilience is the capacity to prepare for, respond to, and recover from cyber attacks. Unlike traditional security measures that focus solely on prevention, cyber resilience acknowledges the inevitability of breaches and emphasizes adaptability in the face of uncertainty. It involves not only robust cybersecurity protocols but also strategies for mitigating the impact of an incident and ensuring a swift recovery.

C. Safeguarding Critical Infrastructure

As societies become more reliant on interconnected systems, critical infrastructure such as energy grids, healthcare systems, and financial institutions becomes a prime target for cyber attacks. Cyber resilience is paramount in safeguarding these crucial assets, preventing potential disruptions that could have far-reaching consequences on a national or even global scale.

D. Protection of Sensitive Data

The era of technological advancements has ushered in an era of data-driven decision-making. With vast amounts of sensitive information being processed and stored digitally, ensuring the protection of this data is paramount. Cyber resilience strategies encompass encryption, secure data storage, and continuous monitoring to thwart unauthorized access and data breaches.

E. Protecting Customer Confidence

Customers expect and trust organizations to protect their sensitive information. Success in doing so boosts customer confidence and loyalty. Conversely, breaches can cause significant damage to a company’s reputation and customer trust, which can be costly to repair. 

F. Business Continuity and Reputation Management

For businesses, maintaining cyber resilience is not just about protecting data but also about ensuring business continuity and preserving reputation. A cyber attack can lead to downtime, financial losses, and erosion of customer trust. Cyber resilience strategies, including regular backups, incident response plans, and employee training, are essential components of a comprehensive approach to mitigate these risks.

G. Collaboration and Information Sharing

In the face of a dynamic threat landscape, collaboration and information sharing among entities are crucial. Governments, businesses, and cybersecurity professionals must work together to share intelligence about emerging threats and vulnerabilities. This collaborative approach strengthens the collective defense against cyber threats, creating a more resilient digital ecosystem.

H. Regulatory Compliance: With the rise in cybercrime, governments around the globe are implementing stringent laws to ensure data privacy and security. These regulations often require measures for cyber resilience. Non-compliance can result in substantial penalties, operational restrictions, and reputational damage.

I. Financial Stability

Cyber-attacks can lead to significant financial losses through direct theft, ransom payments, and also through the costs associated with downtime, incident response, and remediation efforts. Being resilient can mitigate these costs.

J. Intellectual Property and Trade Secret Protection 

In industries where proprietary information is crucial, cyber resilience is necessary to protect these assets from intellectual property theft.

K. Supply Chain Security

Organizations are not isolated entities; they are part of a supply chain. Cyber resilience, therefore, also safeguards partners and customers, contributing to overall industry stability.

L. Increasing Employee Trust

Finally, a strong cyber resilience culture also increases trust amongst employees, as they see that their organization values and safeguards their personal information and the overall digital infrastructure.

Cyber resilience is not just an IT issue; it’s a strategic imperative. 

ii. Here are some key elements to building a resilient organization:

o Proactive cybersecurity measures: Implement firewalls, intrusion detection systems, and data encryption.

o Employee security awareness training: Educate employees to identify and avoid phishing attempts and social engineering tactics.

o Incident response planning: Have a clear plan for identifying, containing, and recovering from cyberattacks.

o Regular backups and disaster recovery: Ensure critical data is backed up regularly and can be restored quickly in case of an attack.

o Cybersecurity governance and risk management: Integrate cybersecurity into overall organizational strategy and risk management practices.

iii. The Way Forward

As technology continues to advance, so must our strategies for defending against cyber threats. Cyber resilience is not a one-time endeavor but an ongoing process that requires continuous adaptation to emerging threats. Whether on an individual, organizational, or governmental level, investing in cyber resilience is an investment in the security and stability of our increasingly digital world.

In conclusion, the era of technological advancements necessitates a proactive and adaptive approach to cybersecurity. Cyber resilience stands as a bulwark against the rising tide of cyber threats, ensuring that our interconnected systems remain robust, secure, and capable of withstanding the challenges of the digital age.

iv. Further references 

Unveiling the power of emerging technologies to empower cyber resilience

PECB Insightshttps://insights.pecb.com › the-impo…The Importance of Cyber Resilience in the Era of Technological Advancements

Springer Linkhttps://link.springer.com › articleTracing the evolution of cyber resilience: a historical and conceptual review

LinkedIn · raouf riahi, MBCI2 reactions  ·  4 months agoFortifying Our Digital World: Embracing Cyber Resilience Amid Technological …

Scottish Science Advisory Councilhttps://scottishscience.org.uk › …PDFCyber Resilience & Future Technology Developments

Building Fraud Resilience in the Digital Era

Building fraud resilience in the digital era requires organizations to adopt a comprehensive approach that encompasses prevention, detection, and response.

This involves implementing robust security measures, fostering a culture of fraud awareness, and leveraging technology to proactively identify and mitigate fraud risks.

Here are key strategies to enhance fraud resilience:

A. Risk Assessment and Understanding:

   – Conduct a comprehensive risk assessment to identify potential fraud risks specific to your organization. Understand the nature of digital fraud threats, including phishing, account takeovers, and social engineering.

B. Establish a Fraud Risk Management Program: Develop a centralized fraud risk management program that outlines the organization’s approach to identifying, assessing, and managing fraud risks. This program should include clear roles and responsibilities, risk assessment methodologies, and incident response procedures.

C. Identify and Assess Fraud Risks: Regularly conduct fraud risk assessments to identify and prioritize potential fraud threats. This involves analyzing historical data, industry trends, and emerging fraud tactics to understand the organization’s vulnerability to various fraud schemes.

D. Implement Robust Security Controls: Implement a layered security architecture that encompasses physical, network, and application security controls to protect sensitive data and prevent unauthorized access. This includes firewalls, intrusion detection systems, data encryption, and access controls.

E. Foster a Culture of Fraud Awareness: Raise awareness among employees about fraud risks and common fraud schemes. Provide training and education to help employees recognize and report suspicious activity, reducing the risk of insider fraud.

F. Establish a Collaborative Fraud Response Process: Develop a clear and well-defined incident response plan to effectively handle fraud incidents. This plan should include communication protocols, escalation procedures, and law enforcement coordination.

G. Stay Informed About Fraud Regulations: Keep abreast of emerging fraud regulations and industry standards to ensure compliance and implement appropriate measures to address evolving regulatory requirements.

H. Behavioral Biometrics: Explore the use of behavioral biometrics to authenticate users based on their unique patterns of behavior. This can include keystroke dynamics, mouse movements, and other behavioral markers, adding an extra layer of security.

I. Multi-Factor Authentication (MFA): Enforce multi-factor authentication to enhance user verification. Require users to provide multiple forms of identification, such as passwords, biometrics, or one-time passcodes, to access sensitive information or conduct transactions.

J. Utilize Fraud Detection Technologies: Leverage fraud detection technologies, such as machine learning and artificial intelligence, to analyze transaction data and identify anomalous patterns that may indicate fraudulent activity. These technologies can provide real-time insights and enable proactive fraud prevention.

K. Implement strong access controls: Precise control over who has access to certain data can play a crucial role in preventing fraudulent activities. The principle of least privilege (PoLP) should be applied, where users are given the minimum levels of access necessary to complete their tasks.

L. Real-Time Transaction Monitoring: Implement real-time monitoring of transactions to quickly detect and respond to potentially fraudulent activities. Automated systems can analyze transaction patterns and flag suspicious behavior for further investigation.

M. Collaboration and Information Sharing: Collaborate with industry peers, law enforcement agencies, and cybersecurity organizations to share information about emerging fraud trends and tactics. Collective intelligence enhances your ability to stay ahead of evolving threats.

N. Secure Development Practices: Integrate secure development practices into software and application development processes. This includes regular security assessments, code reviews, and adherence to best practices for mitigating vulnerabilities.

O. Identity Verification Solutions: Utilize robust identity verification solutions to ensure that individuals accessing your systems or services are who they claim to be. This can involve document verification, biometric authentication, or knowledge-based authentication.

P. Customer Authentication Controls: Provide customers with controls to manage and customize their authentication settings. This empowers users to set preferences for security features and receive alerts for suspicious activities.

Q. Customer Education and Awareness: Educate customers about common fraud tactics and best practices for protecting their accounts. Promote awareness of phishing emails, social engineering attempts, and the importance of secure password practices.

R. Create a culture of accountability and transparency: Foster a positive workplace culture where ethical behavior is valued and rewarded. Make it easy and safe for employees to report suspicious behavior.

S. Incident Response Plan: Have a robust incident response plan in place. In the event of fraud, the organization should be prepared to respond swiftly to minimize damage, gather evidence, and take necessary legal steps.

T. Customer Support and Communication: Maintain effective customer support channels to address inquiries and reports of potential fraud. Clear communication with customers during incidents helps build trust and confidence in your organization’s commitment to security.

U. Continuous Monitoring and Adaptation: Implement continuous monitoring of your fraud prevention measures. Regularly reassess and adapt strategies based on the evolving threat landscape and changes in the digital environment.

Building fraud resilience in the digital era is an ongoing process that requires a combination of technological measures, user education, and strategic planning. By adopting a proactive and adaptive approach, organizations can strengthen their defenses against digital fraud and protect both their assets and the trust of their customers.

https://www.mckinsey.com/capabilities/risk-and-resilience/our-insights/cybersecurity-in-a-digital-era

https://m.grazitti.com/blog/building-cyber-resilience-in-the-age-of-digital-transformation/

https://www2.deloitte.com/content/dam/Deloitte/my/Documents/risk/my-risk-sustainability-risk-fraud-resilient-organisations.pdf

https://www.pasai.org/blog/2020/5/29/cybersecurity-building-digital-resilience-in-a-virtual-world

https://www.ey.com/en_ao/how-digital-transformation-increases-consumer-and-retail-fraud-risks

Proactive IT Risk Management in an Era of Emerging Technologies

In the ever-evolving landscape of technology, proactive IT risk management has become increasingly crucial for organizations to safeguard their data, systems, and reputation. As emerging technologies continue to reshape the digital world, organizations must adapt their risk management strategies to address the unique challenges and opportunities presented by these advancements.

i. Understanding the Landscape of Emerging Technologies

Emerging technologies, such as artificial intelligence (AI), cloud computing, the Internet of Things (IoT), and blockchain, offer immense potential for improving efficiency, innovation, and competitiveness. However, these technologies also introduce new risks and vulnerabilities that organizations must be prepared to mitigate.

Key Challenges of Emerging Technologies for IT Risk Management

A. Rapidly Changing Environment: The fast-paced development and adoption of emerging technologies create a dynamic risk landscape, requiring organizations to continuously adapt their risk management strategies.

B. Interconnectedness and Complexity: Emerging technologies often involve complex integrations and interdependencies, making it difficult to identify and assess potential risks across the entire technology ecosystem.

C. Data Privacy and Security: The increasing volume and sensitivity of data generated by emerging technologies pose significant privacy and security challenges, requiring robust data protection measures.

D. Third-Party Dependencies: Organizations often rely on third-party vendors and service providers for emerging technologies, introducing additional risks related to supply chain security and data sharing practices.

As businesses incorporate new technologies such as artificial intelligence, blockchain, and the Internet of Things, they must also assess the potential risks associated with these innovations.

To effectively manage IT risks, organizations need to adopt a proactive approach rather than reacting to incidents after they occur. 

ii. Strategies for Proactive IT Risk Management in an Era of Emerging Technologies

A. Identify and assess emerging risks: Stay up-to-date with the latest technological advancements and assess their potential impact on your organization. Identify the risks associated with these technologies, such as vulnerabilities, data breaches, regulatory compliance issues, and operational disruptions.

B. Establish a risk management framework: Develop a comprehensive risk management framework that aligns with your organization’s goals and objectives. This framework should define roles, responsibilities, processes, and methodologies for identifying, assessing, and mitigating IT risks.

C. Data Privacy and Compliance: Stay abreast of evolving data privacy regulations and compliance standards related to emerging technologies. Ensure that the adoption of these technologies aligns with legal requirements.

D. Prioritize Data Security: Implement robust data security measures, including encryption, data loss prevention (DLP) technologies, and secure data disposal practices, to protect sensitive information.

E. Monitor and Manage Third-Party Risks: Carefully evaluate and manage risks associated with third-party vendors and service providers, establishing clear contractual obligations and ongoing monitoring procedures.

F. Adaptive Governance Structures: Establish adaptive governance structures that can accommodate the dynamic nature of emerging technologies. This includes agile frameworks that allow for quick adjustments in response to new risks and opportunities.

G. Stay Informed About Emerging Technologies: Develop a deep understanding of emerging technologies relevant to your industry. This includes artificial intelligence, blockchain, IoT, and other disruptive innovations. Stay informed about their applications and potential risks.

H. Cross-Functional Collaboration: Foster collaboration between IT and other business units. Engage in cross-functional discussions to understand how emerging technologies may impact various aspects of the organization, including operations, finance, and compliance.

I. Implement robust cybersecurity measures: As emerging technologies often rely on data and interconnected networks, it’s crucial to prioritize cybersecurity. Implement strong security measures, including encryption, firewalls, access controls, and continuous monitoring to detect and prevent potential threats.

J. Conduct regular risk assessments: Regularly assess your IT infrastructure, systems, and processes to identify existing and emerging risks. This includes vulnerability scanning, penetration testing, and third-party risk assessments. Stay alert to new threat vectors and continually enhance security controls.

K. Threat Intelligence Monitoring: Implement robust threat intelligence monitoring to identify potential cybersecurity threats associated with emerging technologies. Stay vigilant about new vulnerabilities and attack vectors.

L. Implement Robust Access Controls: Enforce strict access controls and role-based permissions to limit access to sensitive data and systems, minimizing potential unauthorized access or data breaches.

M. Security by Design: Incorporate security measures into the design phase of emerging technology projects. Implement a “security by design” approach to minimize vulnerabilities and enhance overall system resilience.

N. Employee Training and Awareness: Provide ongoing training to employees on the responsible use and potential risks of emerging technologies. Foster a culture of awareness and accountability to mitigate the risk of human error.

O. Risk Quantification: Develop methods to quantify and prioritize IT risks associated with emerging technologies. This allows for a more strategic allocation of resources toward addressing the most critical risks.

P. Regular Testing and Simulation: Conduct regular testing and simulation exercises to evaluate the effectiveness of security measures in place. Simulate potential cybersecurity incidents related to emerging technologies to enhance preparedness.

Q. Incident Response Planning: Develop and regularly update incident response plans specific to the risks associated with emerging technologies. Ensure that the response team is well-prepared to address incidents promptly and effectively.

R. Ethical Considerations: Consider ethical implications associated with emerging technologies, especially those involving AI, machine learning, and automation. Establish ethical guidelines and frameworks to guide the responsible use of these technologies.

S. Scenario Planning: Conduct scenario planning exercises to anticipate potential risks associated with the adoption of emerging technologies. Identify various scenarios and develop mitigation strategies for each.

T. Foster a risk-aware culture: Promote a culture of risk awareness and accountability across the organization. Educate employees about IT risks, their roles in risk management, and best practices for mitigating threats. Encourage reporting of potential risks and create channels for open communication.

U. Engage in collaboration and knowledge sharing: Participate in industry groups, conferences, and forums to stay abreast of emerging IT risks and share knowledge with peers. Collaborate with experts in the field to understand best practices and innovative approaches to IT risk management.

V. Monitor regulatory changes: Stay informed about evolving regulations and compliance requirements related to emerging technologies. Ensure that your risk management practices align with industry standards and legal obligations.

W. Embrace Continuous Improvement: Continuously review and improve risk management practices, adapting to the evolving threat landscape and incorporating lessons learned from incidents or near misses.

By adopting a proactive IT risk management approach, organizations can harness the benefits of emerging technologies while effectively mitigating potential risks.

This approach helps safeguard critical assets, maintain customer trust, and enable the successful integration of emerging technologies into business practices.

It requires a combination of strategic planning, collaboration, and a commitment to staying ahead of the curve in the ever-evolving tech landscape.

https://www.isaca.org/resources/news-and-trends/isaca-now-blog/2023/proactive-it-risk-management-in-an-era-of-emerging-technologies#:~:text=IT%20risk%20management%20is%20an,to%20ensure%20long%2Dterm%20success.

https://www.mckinsey.com/~/media/McKinsey/Business%20Functions/Risk/Our%20Insights/The%20future%20of%20risk%20management%20in%20the%20digital%20era/Future-of-risk-management-in-the-digital-era-IIF-and-McKinsey.ashx

https://www.trendmicro.com/en_hk/ciso/22/d/proactive-cyber-risk-management-strategies.html

https://www.cascade.app/blog/strategy-risk-guide