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  • Photo du rédacteurHélène Dufour

The Changing Landscape of Cyber Risk: An Empirical Analysis of Frequency, Severity, and Tail Dynamics

Cyber risk presents significant challenges to society, yet its statistical behavior remains insufficiently understood. This paper analyzes three databases to study cyber risk dynamics. It identifies increasing frequency and severity, particularly in malicious events since 2018. Persistent heavy-tailedness across risk categories implies lower insurance demand and potentially heightened risk levels for firms.


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The EU aims to foster digital transformation across sectors by 2030 through legislation on AI, cloud computing, and crypto-assets. However, compared to ESG, banking regulation lacks a clear framework

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