Zero Day Threat, the book

As I wrap up reading Zero Day Threat, written by USAToday's Byron Acohido and Jon Swartz, I wanted to share with you one of the paragraphs that best outlines the current mess of the US (and beyond) financial system. [emphasis is my own]
In the fast emerging cybercrime industry, hackers and scam artists morph and advance magnitudes of order faster than the banking and tech industries have been willing to shore up basic security. From corporate America's point of view, convenience and speed are the drivers of the business models of the new millennium. Security is a perception challenge.
I highly recommend this book to anyone charged with safeguarding data. It will open your eyes to a system of actors (banks, credit bureaus, scammers, drug-addicts, and malware authors) revolving around maximizing profit at the expense of the consumer. The book links the murky world of the "exploiters" with the ingenious capacity for "expediters" to generate new and better malware, while the "enablers" sit mainly idle, unwilling to commit to much-needed enhancements to secure consumers' financial records and credit histories.

As security professionals, we must engage in critical evaluation of the risks to the data we are entrusted with. This book is sure to generate many lively discussions among security pros, and one would hope, executive management, about the nature of the threat, the drivers, and the baseline security that ought to be implemented.

Src: Zero Day Threat official web site
Src: Cybercrime Book Excerpt: 'Zero Day Threat' | Wired.com
Src: You won't guess who's the bad guy of ID theft | USAToday

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