نوع مقاله : مقاله پژوهشی
نویسندگان
پژوهشکده امنیت فاوا، تهران، ایران.
چکیده
کلیدواژهها
عنوان مقاله [English]
نویسندگان [English]
Cyber attacks can have severe and damaging consequences on businesses, governments and individuals, resulting in financial losses, harm to reputation and disruptions to essential infrastructure. As the digital landscape evolves and cyber threats escalate, the need for more robust cyber risk management strategies has led to the expansion of the cyber insurance market as a vital defense against the threats. Cyber insurance not only acts as a stand-alone risk control measure but also impacts other risk management practices. The growth of this market benefits the overall insurance industry and enhances its market penetration. However, despite the cyber insurance market becoming a primary method for managing cyber risk in many countries over the past thirty years, various businesses in Iran lack access to such a market. This study aims to explore the reasons behind the absence of a cyber insurance market in the Iran’s economy. By reviewing the literature on market failures in economics and proposing a conceptual model for the cyber insurance market, the findings suggest that the high relative level of cyber risk and excessive transaction costs pose significant obstacles to establishing this market in Iran. It is recommended to create a platform named the Cyber Insurance Market Guide, focused on designing and implementing government institutional policies to foster the development of the cyber insurance market.
کلیدواژهها [English]
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