In the relentless march of digital technology, humanity has achieved breathtaking innovations. This digital revolution has flung open the doors of countless possibilities across diverse domains – education, advertising, communication, entertainment, media, and beyond. Yet, within this realm of digital marvels, a looming concern casts its shadow: Copyright Infringement.
Copyright, a form of Intellectual Property (IP), stands as the vigilant guardian of creators’ rights over their artistic and literary masterpieces – encompassing films, computer programs, books, paintings, databases, maps, and more. The digital age, while a boon in many respects, has ushered in an era where the replication, distribution, copying, and sale of original works occur with disconcerting ease, often without the creator’s consent. Adding to the complexity, detecting such infringements has become an arduous task.
The Internet’s Role in Copyright Infringement
The internet, a symbol of boundless information, has emerged as a formidable adversary to copyright protection. Its vast expanse hosts a trove of content, ranging from news, graphics, stories, images, videos, to screenplays, eBooks, and more – each with varying degrees of copyright protection. The sheer volume of information renders it immensely challenging to distinguish between original works and duplications.
A prevalent misconception suggests that content found in the public domain on the internet is fair game for replication. However, this is far from reality. Unless information is made available by government authorities, the term of copyright protection has lapsed, or the creator has willingly relinquished their rights, unauthorized use constitutes an infringement.
Copyright Infringement on the Internet
Copyright infringement manifests in diverse ways across various internet platforms, including:
1. Downloading Content:
The internet has long been a conduit for downloading files and software to individual computer systems. The act of downloading can involve reproducing or creating a copy of online content, but it comes with restrictions. Understanding these limitations is essential to avoid legal consequences.
Combining two or more programs to create derivative works can lead to copyright violations. The creation of derivative works is subject to legal scrutiny.
3. Hot-Linking:
Hot-linking occurs when an image on a website is displayed by linking to the original website hosting that image. This practice may infringe upon a copyright owner’s rights.
4. Computer Software:
Software piracy, a form of copyright infringement, involves unauthorized actions such as copying, distributing, exporting, renting, or selling copyrighted software.
5. Multimedia:
Multimedia, an expansive realm comprising sounds, videos, text, images, graphics, live presentations, and more, is susceptible to copyright infringement. Violations in multimedia can involve copying, distributing, creating unauthorized copies, or selling copyrighted material.
6. Social Media Platforms:
Social media platforms have become hubs for global connectivity, but they also serve as breeding grounds for copyright infringement. Sharing copyrighted material, often driven by the false belief that all content on social media is free to use, has resulted in a surge of infringement cases. Violations can occur through actions like saving, sharing, or re-posting copyrighted works, claiming ownership of protected works, or using others’ original works without consent.
Role of DRM in Copyright Protection
1. Content Encryption:
DRM employs robust encryption techniques to secure digital content. It ensures that content remains accessible only to authorized users with the requisite decryption keys or licenses. This formidable barrier discourages unauthorized access and redistribution of copyrighted material.
2. Access Control:
DRM systems grant content creators and distributors granular control over who can access their digital assets and under what conditions. This includes defining viewing periods, device restrictions, and geographical limitations. Access control mechanisms help protect content from piracy and unauthorized viewing.
3. Copy Protection:
DRM solutions restrict the replication of digital content, preventing users from making unauthorized copies or duplicates. This feature is especially critical for industries like music, film, and software, where unauthorized duplication can result in substantial revenue losses.
4. License Management:
DRM systems facilitate the management of licenses for digital content. Content providers can define and enforce licensing terms, including usage rights, expiration dates, and the number of permitted devices. This flexibility enables creators to monetize their content effectively while preserving copyright integrity.
5. Anti-Piracy Measures:
DRM incorporates anti-piracy mechanisms that actively deter and detect copyright infringement. These measures may include watermarking, fingerprinting, and tracking to identify unauthorized copies and their sources. By discouraging piracy, DRM plays a crucial role in protecting creators’ intellectual property.
6. Secure Distribution Channels:
DRM ensures that digital content is distributed through secure channels. It prevents unauthorized distribution or sharing of copyrighted material through peer-to-peer networks or illicit websites. This safeguards content’s exclusivity and value.
7. Enforcement of Copyright Laws:
DRM systems align with copyright laws and regulations, reinforcing their enforcement. In cases of copyright infringement, DRM can provide evidence and mechanisms for legal action against violators, promoting adherence to intellectual property laws.
8. User Authentication:
DRM requires user authentication, ensuring that only legitimate users with valid licenses can access digital content. This authentication process adds an additional layer of security and deters unauthorized viewing or distribution.
9. Reporting and Analytics:
DRM systems often include reporting and analytics tools that provide content providers with insights into user behavior. This data helps creators refine their content strategies and identify potential threats to copyright protection.
In the complex and ever-evolving digital landscape, DRM stands as a sentinel guarding the rights and livelihoods of content creators. By providing the means to protect, control, and monetize digital content, DRM empowers creators to share their work with confidence while reinforcing the importance of intellectual property rights in the digital age. While debates about the balance between copyright protection and user rights persist, DRM continues to play a vital role in upholding the integrity of creative endeavors in the digital realm.
Sharing passwords online is causing a big problem and losing the streaming industry a lot of money every year. This issue has been going on for a while, but it got much worse during the Covid pandemic. In two surveys of people in the United States, the number of people sharing passwords went up from 27% before Covid to over 40% between 2019 and 2021. Even though it’s not as bad now, it’s still a huge loss of money for the industry.
The latest information tells us that around one out of every three Netflix users and one out of every four Amazon Prime Video users share their accounts with others. This is similar for people who use other popular services like Hulu, Disney+, and Paramount+.
This sharing of passwords is more common among younger people. When we looked closely at how different generations feel about sharing video service passwords, we found that 60% of Millennials said they share passwords with family, and 42% share them with friends. No matter who is doing it, the amount of money being lost because of this is really big.
Revenue loss from sharing passwords
In January 2023, Netflix estimated that more than 100 million households share passwords. Even if they share with just one other person, and everyone is using the company’s $9.99 per month basic plan, that results in a loss of nearly $1 billion per month or $12 billion per year.
Here’s another piece of data: In March 2021, Citi analyst Jason Bazinet estimated that sharing online passwords for subscription video-on-demand (SVOD) services leads to a massive $25 billion yearly loss for US companies.
As streaming services have become more important, stopping this kind of theft is becoming increasingly crucial for shareholders. When SVOD services were still growing, the major providers didn’t pay a lot of attention to monitoring password sharing. They almost saw it as a way to promote their services unofficially, thinking that users, especially within families, would eventually get their own accounts.
For example, HBO’s CEO, Richard Pleper, said in 2014, “It’s not that we’re ignoring it, and we’re looking at different ways to affect password sharing. I’m simply telling you: it’s not a fundamental problem, and the externality of it is that it presents the brand to more and more people, and gives them an opportunity hopefully to become addicted to it. What we’re in the business of doing is building addicts, of building video addicts. The way we do that is by exposing our product, our brand, our shows, to more and more people.”
But things have changed. Netflix is now taking a strong stance against password sharing, and it will be implemented globally in 2023. After testing various methods in Latin America in 2022, they have decided to make it easier for those who borrow (defined as people who don’t live in the account holder’s household) to transfer their Netflix profile to their own account. Sharers will have better control of their devices and can create sub-accounts (extra members) if they want to pay for family or friends.
In the trials, if a change in location for an account is detected for more than two weeks, the account holder will receive a notification in the app. They can then choose to change their household address or pay a fee to add the new address. Additional homes can be added for $2.99 a month, with Basic plan members able to add one extra home, Standard up to two extra, and Premium up to three extra.
Netflix’s new co-CEO, Greg Peters, expects this move to be met with some resistance, similar to how Netflix’s price increases are often met. He described this initiative as a way to gently encourage people who share their accounts to pay for users outside their own household.
So, what should companies do to protect their own revenues?
How to detect password sharing
There are several ways to detect password sharing, and many of them now use AI. They do this by looking at things like where and how content is being watched on different devices.
By analyzing what content is being watched, which device it’s being watched on, and where it’s being watched from, a detection service can find patterns that suggest password sharing. The AI then gives the service provider a score to indicate how likely it is that the account holder is sharing their password too much.
Certain patterns can show password sharing, but it’s important to tell the difference between legitimate and illegitimate cases. For example, if many devices are detected in one household, it could be because a user changed devices. But if the content meant for one household is being watched from different IP addresses, it’s likely due to password sharing. Since usage patterns change, machine learning and AI are important to sift through the data, adapting to these changes and distinguishing between legitimate and unauthorized use.
There are different levels of infringement. If the score suggests that credentials have been sold online to multiple users, the service provider can choose to close the accounts. However, if the score is lower and it seems like a family is just too generous with their credentials, the service provider can use this as a chance to offer a premium package to the family.
This is the approach that some major players are currently taking, gently guiding users to make the right, legal choice. They are being careful about it because adding barriers, like two-factor authentication, can be unwelcome to new users, and people are very sensitive when it comes to streaming services. High churn levels, possibly increasing during a recession, mean any obstacle is not ideal.
Competition in the streaming space is intense, and a lot of money is spent on content. So, the days of freely sharing passwords may be ending. For investors looking for returns in the industry, this is an important area for potential subscriber growth. While it might be tempting for other providers to ignore this issue, especially if they want to attract subscribers from services that are cracking down, they may soon find themselves out of sync with the industry consensus.
Service providers who want to protect their content need comprehensive anti-piracy services, and that increasingly includes dealing with password sharing.
A renaissance is currently unfolding in the realm of targeted advertising. Historically, in the context of video advertising, targeting was confined to a viewer’s geographical location, largely due to the distribution of ads through multicast, which sent the same video stream to numerous viewers. However, with the advent of unicast delivery (i.e., one-to-one video stream delivery) and recent advancements in AI, it is now possible to deliver individually tailored ads to a broad audience. These rapid technological developments in targeted advertising are empowering video service providers to redefine viewer engagement and enhance their revenue. Let’s delve deeper into this transformative landscape.
Enhancing Revenue and Viewer Engagement through Targeted Advertising
Targeted advertising presents a substantial opportunity for video service providers to elevate viewer engagement and unlock fresh revenue streams. As ads become more finely tuned, the advertising inventory gains substantial value. Traditional CPM rates for legacy TV inventory have historically hovered around $15. However, with individually addressable TV ads, even low-value inventory can command a CPM of $20, while high-value content, such as live sports, can fetch rates of up to $50.
The predictive capabilities of AI technology play a pivotal role in allowing advertisers to deliver precisely tailored messages to specific demographics. The more relevant an ad is to its audience, the more impactful it becomes, resulting in higher engagement rates and improved return on investment (ROI).
AI-driven targeted advertising also equips video service providers with granular tracking, providing insights into who is actually viewing the ads, how long they are engaged, whether they are muting the TV, and more. This data is immensely valuable to advertisers, instilling confidence that investing in individually addressable ads is a wise decision.
Crucial Components of a Targeted Advertising Solution
Several key features are essential for a targeted advertising solution sought by video service providers. The deployment of server-side ad insertion (SSAI) technology enables advertisers to seamlessly inject personalized ads into the video stream. With SSAI, video content and ads are seamlessly integrated into one stream, making ad blocking impossible. This entire process ensures a consistent viewing experience. Dynamic ad insertion (DAI) is also imperative, allowing ads to be tailored to each viewer using AI technologies, thereby optimizing ROI. Offering customized content to each viewer is pivotal in providing a unique service and attracting subscribers.
Furthermore, the targeted advertising solution must be scalable to ensure an uninterrupted viewing experience for millions of concurrent viewers, a critical consideration during premiere sports events.
Next-Generation Advancements in Targeted Advertising
Recent technological enhancements are rapidly advancing the field of targeted advertising. One of the latest innovations is dynamic brand insertion, which leverages AI algorithms to seamlessly integrate branded content into video. For instance, this could involve placing a popular soft drink’s logo on an in-scene beverage cooler. With dynamic brand insertion, advertising becomes seamlessly embedded in the video scene, creating a non-intrusive and engaging advertising experience and eliminating the need for commercial breaks. The ad blends harmoniously with the video content itself.
Another recent advertising innovation in the video space is double-box displays, enabling viewers to simultaneously watch live shows or events while ads run on the screen. Apart from opening up new revenue avenues for video service providers, this type of advertising minimizes disruptions for viewers, enabling them to maintain their focus on the content and enhancing their overall satisfaction.
Transforming Streaming Experiences with Targeted Advertising
Propelled by technological advancements, including AI, targeted advertising is evolving at a remarkable pace. By embracing the latest innovations in targeted advertising, video service providers can drive viewer engagement and enhance profitability. However, they require a scalable, user-friendly targeted advertising solution that guarantees a seamless viewing experience. Solutions like Harmonic’s VOS360 Ad are revolutionizing targeted advertising by providing video service providers with a single platform for AI-powered targeted advertising, delivering a seamless viewing experience, and optimizing monetization.
SSAI Service Providers play a pivotal role in enhancing viewer experiences and maximizing ad revenue, making the choice of the right provider essential.
Server-Side Ad Insertion (SSAI) offers several significant advantages in the world of online video streaming. One of its primary benefits is the enhancement of viewer experiences by eliminating buffering delays and ensuring seamless ad insertion. SSAI also enables precise ad targeting, tailoring ads to individual viewer preferences, thus increasing engagement and ultimately boosting ad revenue. Today, we’ll delve deeper into the top 6 SSAI service providers and examine their respective strengths and weaknesses.
1. Brightcove:
Strengths:
High-Quality Video Delivery: Brightcove boasts a reputation for its high-quality video platform, ensuring that viewers enjoy uninterrupted streaming without buffering or lag.
Ad Revenue Optimization: Brightcove’s SSAI solutions are crafted to maximize ad revenue by seamlessly integrating ads into video streams.
Analytics and Reporting: The platform offers robust analytics and reporting tools, allowing content providers to gain valuable insights into ad performance and viewer behavior.
Weaknesses:
Pricing: While Brightcove delivers a powerful platform, its premium quality comes with a price tag that might be prohibitive for smaller businesses with limited budgets.
2. Conviva:
Strengths:
Advanced Video Optimization: Conviva excels in optimizing the online video experience, ensuring smooth streaming, minimal buffering, and an overall superior viewer experience.
Comprehensive SSAI Solutions: Conviva provides end-to-end SSAI solutions, assisting users in effectively managing and monetizing their video content.
Viewer Insights: The platform offers in-depth insights into viewer behavior, enabling content providers to make data-driven decisions to improve content delivery and advertising strategies.
Weaknesses:
Complexity: Some users might find Conviva’s offerings complex, especially those without prior technical expertise, which could pose challenges during setup and configuration.
3. Akamai:
Strengths:
Global CDN: Akamai is renowned for its extensive Content Delivery Network (CDN), ensuring fast and reliable content delivery on a global scale.
Reliability: Akamai’s SSAI solutions are robust and highly reliable, making it the preferred choice for large-scale streaming events where uptime is critical.
Security: Akamai offers advanced security features, safeguarding content against DDoS attacks and ensuring secure content delivery.
Weaknesses:
Cost: While Akamai’s services are exceptional, they can be relatively expensive, making them more suitable for enterprises or organizations with substantial budgets.
4. Kaltura:
Strengths:
Customizable Platform: Kaltura’s video platform is highly customizable, allowing users to tailor it to their specific needs and branding requirements.
SSAI Integration: The platform seamlessly integrates SSAI, enhancing the viewer experience while effectively optimizing ad revenue.
Scalability: Kaltura caters to a wide range of businesses, from small enterprises to large corporations, offering scalability that suits various needs.
Weaknesses:
Learning Curve: Setting up and customizing Kaltura’s platform may require a learning curve for some users, particularly those new to video technology.
5. THEOplayer:
Strengths:
Flexibility: THEOplayer stands out for its versatility as an HTML5 video player that can be seamlessly integrated into existing video applications.
SSAI Capabilities: THEOplayer offers SSAI integration, enabling users to efficiently manage and optimize their advertising strategies.
Viewer Experience: Designed with the viewer in mind, THEOplayer ensures a seamless and enjoyable viewing experience with features like adaptive streaming.
Weaknesses:
Limited Ecosystem: Compared to some larger industry players, THEOplayer may have a more limited ecosystem of services and features.
6. Sigma DAI
Sigma DAI is a cutting-edge Server-Side Ad Insertion (SSAI) service proudly offered by Thudo Multimedia, one of the greatest SSAI Service Providers, designed to revolutionize your video streaming and advertising capabilities.
Thudo Multimedia-Sigma DAI
Strengths:
Seamless Ad Insertion: The ability of Sigma DAI to seamlessly insert ads into video streams without causing buffering or disruptions is paramount. Thudo Multimedia ensures a smooth and uninterrupted viewer experience by effectively integrating ads into the content.
Ad Personalization and Targeting: Effective Sigma DAI should enable personalized ad targeting based on viewer data and preferences. Thudo Multimedia offer advanced audience segmentation and targeting capabilities to maximize ad relevance and engagement, ultimately boosting ad revenue.
Analytics and Reporting: Thudo Multimedia should provide a robust suite of analytics and reporting tools. This includes detailed insights into ad performance, viewer behavior, and engagement metrics. Access to actionable data allows content providers to fine-tune their ad strategies for better results.
Content Security: Thudo Multimedia provide a robust suite of analytics and reporting tools. This includes detailed insights into ad performance, viewer behavior, and engagement metrics.
Cross-Platform Compatibility: The SSAI solution from Thudo Multimedia work seamlessly across a wide range of devices and platforms, including smartphones, tablets, desktops, smart TVs, and more. Ensuring a consistent and reliable ad experience across devices is crucial for reaching a broad and diverse audience.
Weekness:
Learning Curve: Setting up and customizing Sigma DAI’s platform may require a learning curve for some users, particularly those new to video technology.
In conclusion, the choice of an SSAI service provider should align with your specific needs, budget, and technical expertise. Each provider presents its unique strengths and weaknesses, making it essential to evaluate them thoroughly to determine which one best suits your streaming and advertising requirements.
The banking sector is changing because of new digital ideas. This brings new problems with keeping things safe. Recently, reports have shown that bad computer things can cause trouble in the financial world. So, it’s really important to manage the risks and make sure computer networks are safe. Bad people who want to steal money online are working hard to do it. This makes it more likely that computer information will be stolen, and it’s getting harder to stop them.
Rules made by governments and important banks, like EU DORA and G7, are telling banks to be extra safe online. These rules are made because of past problems and to stop future ones. The online world is changing a lot, with more things becoming digital and depending on other companies. There are also problems between countries that make online safety even harder. Banks need to be ready to protect themselves.
Central Bank Digital Currencies (CBDCs) make things even more complicated. They can help more people use banking, but they also make it easier for bad people to steal money online.
In this competitive world, where regular banks, new online banks, and tech companies all want to be successful, having a smooth online experience is very important. But, it’s also important to remember that there are dangers online. Using new technology is good, but it has to be safe from new problems.
Increasing Cyber Risks for Banks
As banks and financial services providers continue to grow and innovate, a holistic approach to cybersecurity informed by the latest regulatory insights and threat intelligence will be crucial to ensure sustainable and secure progress.
Cybersecurity in Banking
In the fast-changing world of digital banking, the people who protect against computer bad guys are facing a tough battle. Banks and money stuff are easy targets for computer attacks that can lead to big data leaks. These attacks are usually done to make money, steal secrets, or cause trouble for political reasons. These crimes are a big worry all over the world, as a new report from INTERPOL tells us.
When an attack happens, it can hurt a bank’s reputation, depending on how bad it is. According to a group called the European Union Agency for Cybersecurity, a lot of data gets stolen every month, and many organizations have to pay money to get their data back. Another report says that in 2022, there were more problems with hacking digital money than ever before.
As banking gets more digital and the risks go up, the big bosses need to make sure their business can keep running, follow the rules, and have good computer security to protect against all sorts of attacks.
Companies in the money business need to defend themselves against things like data leaks, ransom demands, nasty computer programs, fake emails, and tricky tricks that bad people are getting better at. It’s getting harder because the ways they attack are becoming more complicated. A 2023 report from a company called Moody’s says that the people who make rules and the companies that give out insurance are trying to reduce the money they might lose from computer attacks, but there will be more people who want insurance than there are companies offering it.
The Value of Cybersecurity for the Banking Sector
To stay strong and competitive in this ever-changing environment, banks and financial companies need to keep coming up with new ideas and make sure those ideas are safe. This is a tough job because there are more and more ways for bad people to attack, especially with digital banking, new financial technology companies, and the introduction of digital currencies. Here are some important things for cybersecurity in banking:
Visibility: It’s really important to see what’s happening on computer networks because more people are using mobile banking, connecting things like smart devices, and using cloud services. With more complicated online threats, you need to keep a close eye on everything happening on your network to stop data leaks and manage risks.
Automation and Efficiency: Old-fashioned security systems that work separately are becoming less useful. Modern cybersecurity needs systems that can do things automatically, reducing the need for people to do everything by hand. Using something called “policy as code” can help make this process even smoother, making sure security rules are always followed on a secure network.
Flexibility: Banks use different kinds of technology that can be in different places, like in the cloud or in their own offices. So, the security rules they use must be flexible and able to change along with the technology. The “policy as code” practice can help with this too, making sure the rules match the technology changes.
Compliance Reporting: Banks need to follow rules set by governments and other organizations to stay safe online. But it’s not just about checking boxes to say you’re following the rules. With the emphasis on cyber safety in these rules, banks need to both follow the rules and be ready to stop online threats. Using “policy as code” can help make sure you’re following the rules automatically.
And don’t forget about the people who work in banks. They need to know how to use new technology and systems. It’s not easy to find experts in these areas, and sometimes there’s a gap in understanding how these systems work.
That’s why Fortinet, a company that works in cybersecurity, is doing a big training program to teach one million people about cybersecurity by 2026. They’re making it easier for security professionals, students, women, and veterans to get this training. They’re also working with many academic partners and organizations to help more people learn about cybersecurity.
As the banking world keeps going digital, being good at cybersecurity means using a smart, well-informed, and flexible approach. It involves bringing together technology and security, teaching people new skills, and using automation. These are the keys to success in this digital journey. Staying safe online is a big part of it.
Cybersecurity Regulatory Impacts
Banks have two big challenges right now: making sure their computer systems are safe and following the changing rules. They need to keep their customers happy while also protecting everyone’s private information and the economy. But, following these new rules and using more digital technology costs a lot of money for both regular and business banks.
It’s really important to keep everything safe in banking because they deal with people’s personal information and make sure transactions go smoothly. But, a recent survey by the International Monetary Fund (IMF) found some problems with how rules are being followed:
56% of banks and rule enforcers don’t have a clear plan to keep banks safe from cyber attacks.
42% don’t have special rules for computer security or tech risks, and a big 68% don’t have a team that’s only focused on risk in their department.
64% haven’t made sure that banks are testing their computer security.
54% don’t have a way for banks to report problems with their computer systems.
48% don’t have rules that specifically deal with computer crimes.
Even though these numbers might look bad, we should see rules and security not as problems but as ways to come up with new ideas and manage risks. For example, a company called McKinsey says that using data analysis in banking can save big banks up to $1 billion every year. This is because they can avoid fines, report their compliance more accurately, and manage their private information and other risks better.
As banking becomes more digital, finding the right balance between new ideas, computer security, and following the rules will be really important. Doing all three can bring amazing opportunities and make sure the financial world is safe, follows the rules, and looks ahead to the future.
For banks, managing risks from online threats is not just about using technical tools. It’s about looking at the whole organization and thinking about all the risks. But, many banks don’t have the right tools to figure out the risks, especially when they work with new digital partners and technologies.
New rules say that banks need to be really good at keeping things going and have a plan for risks that’s the same all around the world. They want to make sure everyone is doing the same thing, so there’s less confusion. They are also looking at companies that help banks and checking if they are safe. Banks are careful when picking who to work with, but there are also new startups that can help. However, banks need to be careful and do their homework to make sure they don’t bring new problems when they work with these startups.
As banking becomes more digital, they need to make sure they have a plan for risks that looks at the rules and how they work with others. This is really important for the future of banking.
Banking Cybersecurity Challenges
In the past, banks worked in separate sections with different goals and used different computer systems. This made things complicated and often made customers unhappy. Traditional banks, especially, had a reputation for making things difficult, especially when people wanted new services or help. To fix this, banks can use a single system that puts all the information together and connects different computer systems. This can help solve many problems caused by these separate sections. However, when information is kept in separate sections, it can also make it easier for bad people to steal data, break into computer systems, and not follow the rules. These are big problems in today’s banking world.
The computer systems and the huge amount of data they use are really important in the digital age of banking. Banks need to deal with old systems and add new technology to them. To solve these problems, banks should create special teams or groups of experts to come up with new ideas and make sure their services are still good. These teams should have clear responsibilities for their projects.
In the past, keeping computer systems safe in banking was simple. But today, banks use thousands or even hundreds of thousands of connected devices like computers and things that connect to the internet. When you add social media, the cloud, and mobile devices, the chances of data leaks and computer risks go up a lot. The big question is how banks can keep their computer systems safe when they are so complicated.
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