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[{"key": "dc.contributor.advisor", "value": "Sepp\u00e4nen, Ville", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Salo, Mikko-Petteri", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2016-03-03T10:46:26Z", "language": "", "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2016-03-03T10:46:26Z", "language": "", "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2016", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/49011", "language": "", "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Nykyp\u00e4iv\u00e4n teknologiayhteiskunnassa yritykset tulevat yh\u00e4 alttiimmiksi verkostoitumisen mahdollistamille riskeille. Kybervakuutuksella yritykset voivat varautua n\u00e4ihin riskeihin siirt\u00e4m\u00e4ll\u00e4 niit\u00e4 vakuutusyhti\u00f6lle. Huolimatta kyberrikollisuuden kasvusta ja kybervakuutusalan nopeasta kehityksest\u00e4 viime vuosien aikana, ei aihetta ole tutkittu paljoa. \r\nT\u00e4m\u00e4n tutkielman tarkoituksena on antaa yleiskuva kybervakuuttamisesta. Tutkielmassa tarkastellaan alan kehityst\u00e4, kybervakuutuksen tarpeen muodostavia tekij\u00f6it\u00e4, erilaisia kybervakuutustuotteita sek\u00e4 markkinatilannetta. Lis\u00e4ksi tutkitaan kybervakuuttamiseen liittyvi\u00e4 haasteita vakuutusyhti\u00f6n n\u00e4k\u00f6kulmasta. Tutkimus toteutettiin kirjallisuuskatsauksena perustuen aiheesta aikaisemmin tehtyihin tieteellisiin tutkimuksiin. T\u00e4m\u00e4n lis\u00e4ksi l\u00e4hdemateriaalina k\u00e4ytettiin vakuutusyhti\u00f6iden tarjoamaa kaupallista materiaalia vakuutusten sis\u00e4ll\u00f6st\u00e4 ja kattavuudesta.\r\nTutkimuksen perusteella voidaan todeta, ett\u00e4 kybervakuuttaminen on viel\u00e4 vakiintumaton sek\u00e4 k\u00e4sitteen\u00e4 ett\u00e4 alana. Kybervakuutustuotteita on edelleen saatavilla rajoitetusti, joskin kybervakuutusta tarjoavien vakuutusyhti\u00f6iden m\u00e4\u00e4r\u00e4 on jatkuvassa nousussa. Kybervakuutusmarkkinat ovat kasvaneet viime vuosien aikana nopeasti, ja kasvun odotetaan jatkuvan my\u00f6s tulevina vuosina. Kasvua kiihdytt\u00e4v\u00e4t erityisesti kyberrikollisuus sek\u00e4 uudet lains\u00e4\u00e4d\u00e4nn\u00f6t, jotka velvoittavat yrityksi\u00e4 tiedottamaan asiakkailleen tietomurrosta. Haasteiksi vakuutusyhti\u00f6n kannalta todettiin kyberrikollisuus ja kasautuvat riskit, ja t\u00e4t\u00e4 kautta vakuutusten oikeanlainen hinnoittelu. My\u00f6s ep\u00e4symmetri-nen informaatio vakuutusyhti\u00f6n ja vakuutetun yrityksen v\u00e4lill\u00e4 todettiin haasteeksi.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "In today\u2019s technology society companies are becoming more vulnerable to the risks enabled by networking. With cyber insurance, companies can prepare for these risks by transferring them to an insurance provider. Despite the growth of cyber-crime and the fast development of the cyber insurance field, the subject has not been researched much.\r\nThe purpose of this thesis is to provide an overview of the field of cyber insurance. The thesis examines the development of the field, the factors that create a need for cyber insurance, different cyber insurance products and the state of the markets. The thesis was based on literature review. In addition, in-formation about the content and the coverage of the insurances offered by the insurance companies was used as a reference material.\r\nBased on the research it can be stated that cyber insurance is still unsettled both as a field and as a concept. The number of cyber insurance products avail-able is still limited, although the number of insurance companies providing cyber insurance is growing all the time. Cyber insurance markets have been growing fast during the last years, and the growth is expected to continue also in the upcoming years. The growth is accelerated particularly by cyber-crime and new legislation that requires companies to inform their customers about data breach. Cyber-crime and correlated risks, and therefore the right pricing of the insurance, were found challenging from the insurers perspective. Another challenge is asymmetric information between the insurer and the insured.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted using Plone Publishing form by Mikko-Petteri Salo (salom) on 2016-03-03 10:46:26.091682. Form: Kandidaatintutkielma -lomake (https://kirjasto.jyu.fi/julkaisut/julkaisulomakkeet/kandin-tutkielma-lomake). JyX data: [jyx_publishing-allowed (fi) =True]", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by jyx lomake-julkaisija (jyx-julkaisija.group@korppi.jyu.fi) on 2016-03-03T10:46:26Z\r\nNo. of bitstreams: 2\r\nURN:NBN:fi:jyu-201603031767.pdf: 277576 bytes, checksum: eebd778f015a568e12f71129d44cadb4 (MD5)\r\nlicense.html: 4800 bytes, checksum: 5659e7ac8e2bd6d066d976c0f472f4cc (MD5)", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2016-03-03T10:46:26Z (GMT). No. of bitstreams: 2\r\nURN:NBN:fi:jyu-201603031767.pdf: 277576 bytes, checksum: eebd778f015a568e12f71129d44cadb4 (MD5)\r\nlicense.html: 4800 bytes, checksum: 5659e7ac8e2bd6d066d976c0f472f4cc (MD5)\r\n Previous issue date: 2016", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "26", "language": "", "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.language.iso", "value": "fin", "language": "", "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "kybervakuutus", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "kyberrikollisuus", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "riskienhallinta", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Kybervakuuttaminen ja siihen liittyv\u00e4t haasteet", "language": "", "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "bachelor thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-201603031767", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Kandidaatintutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Bachelor's thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Informaatioteknologian tiedekunta", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Faculty of Information Technology", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Informaatioteknologia", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Information Technology", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Tietoj\u00e4rjestelm\u00e4tiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Information Systems Science", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.date.updated", "value": "2016-03-03T10:46:27Z", "language": "", "element": "date", "qualifier": "updated", "schema": "dc"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_7a1f", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "restrictedAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "bachelorThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}, {"key": "dc.rights.accessrights", "value": "This material has a restricted access due to copyright reasons.", "language": "en", "element": "rights", "qualifier": "accessrights", "schema": "dc"}, {"key": "dc.rights.accessrights", "value": "Aineistoon p\u00e4\u00e4sy\u00e4 on rajoitettu tekij\u00e4noikeussyist\u00e4.", "language": "fi", "element": "rights", "qualifier": "accessrights", "schema": "dc"}]
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