¿Es compatible la ciberseguridad con la comodidad digital?

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CLAVES:

  • Los casos de ciberataques sufridos a nivel global siguen creciendo día a día. 18 millones de nuevas muestras de malware han sido creadas en el segundo trimestre del año.
  • ¿Es compatible la comodidad con la ciberseguridad? Tratar de aunar estas características empieza a convertirse en un quebradero de cabeza para muchas empresas.
  • Durante décadas, la segmentación de clientes ha sido una estrategia crucial para todas las disciplinas que tienen que ver con el marketing y las ventas. Podría haber llegado también el momento de aplicarla al área de la ciberseguridad.
  • Algunas investigaciones apuntan a que una vía para aunar estas dos características es tener en cuenta el nivel de seguridad demandado por el perfil de cada cliente en cuestión.

Los casos de ciberataques sufridos a nivel global siguen creciendo día a día y las empresas siguen redoblando sus esfuerzos para hacer frente a esta amenaza. Sin embargo, la tendencia en el consumidor es la de demandar servicios cada vez más cómodos, ágiles y fáciles de acceder. Por tanto, comienza a plantearse la interrogante de si ¿es compatible la comodidad con la ciberseguridad? Tratar de aunar estas características empieza a convertirse en un quebradero de cabeza en el que muchas organizaciones van a tener que trabajar.

18 millones de casos de malware en solo un trimestre.

Un total de 18 millones de nuevas muestras de malware han sido creadas en el segundo trimestre del año, lo que supone la captura de 200.000 muestras diarias. Los troyanos siguen a la cabeza del ranking liderando las muestras de malware, incrementando los ataques del tipo ransomware, englobados dentro de la misma categoría, convirtiéndose en un negocio global que mueve miles de millones de dólares al año.

Los datos del Informe trimestral de PandaLabs, el laboratorio anti-malware de Panda Security, recogen estas cifras y muestran cómo los ataques de tipo ransomware, el robo de información y de credenciales acaparan los principales problemas de la ciberseguridad.

Ganar dinero es la principal motivación del cibercrimen y esto puede conseguirse de varias maneras: a través del ransomware, robando información a usuarios y empresas o, en algunas ocasiones, atacando directamente a los bancos.

Team Skeet, sitio web de distribución de vídeos pornográficos perteneciente a la red de Paper Street Media, sufrió un ataque en el que le fueron robados los datos de 237.000 usuarios incluyendo sus direcciones físicas; información sensible que se ha puesto a la venta en el mercado negro a un precio desmesurado (400 dólares por credencial, alcanzando el total de credenciales casi 95 millones de dólares). Otro sonado robo de información producido en los últimos meses lo ha sufrido la página de contactos beatifulpeople.com de la que 1.100.000 usuarios vieron como sus datos quedaban al descubierto; o el caso del conocido fabricante de hardware Acer, en cuya tienda online se han robado datos de 34.500 usuarios y han estado comprometidos un año sin haberse percatado hasta ahora.

Todos los ataques perpetrados tienen algo en común: una alta cifra a pagar por el rescate de la información robada y cuyo pago no garantiza la recuperación de la totalidad de los datos.

Uno de los robos más extendidos y populares en los últimos meses son los que afectan a los TPVs (Terminales de Punto de Venta) como el cometido por PunkeyPos, un malware analizado por PandaLabs que ha puesto en jaque a más de 200 restaurantes en Estados Unidos, robando información de las tarjetas de crédito utilizadas en dichos terminales de los establecimientos.

Robar directamente a los bancos es aún más suculento, como lo sucedido en el Banco Central de Bangladesh, donde los cibercriminales consiguieron llevarse 81 millones de dólares. Posteriormente han ocurrido, al menos, dos casos similares, uno contra un banco de Vietnam y otro contra un banco de Ecuador.

Google ha llevado a cabo una de las mayores actualizaciones hasta la fecha en relación al parcheo de agujeros de seguridad en su sistema operativo, con actualizaciones mensuales que corrigen todas las nuevas vulnerabilidades que van encontrando. No obstante, las mejoras introducidas por el gigante tecnológico no pueden evitar que el ecosistema Android se vuelva realmente peligroso y los ataques aumenten de forma exponencial.

De la misma manera, PandaLabs predice un aumento paulatino en el gasto de seguridad IoT por parte de las empresas. Datos aportados por Gartner vaticinan que en 2016 habrá 6.400 millones de dispositivos de este tipo conectados (un 30% más que en 2015) y que en el 25% de los ataques que sufrirán las empresas en 2020 estarán implicados estos dispositivos, hacen que esta inversión sea imprescindible.

Fuente: Gartner
Fuente: Gartner

En la mayoría de ocasiones, cuando hablamos de ciberguerra hablamos de ataques que supuestamente son patrocinados por diferentes naciones, aunque es raro encontrar pruebas que garanticen completamente la autoría del ataque. Sin embargo, en los últimos meses fuentes oficiales de los Estado Unidos han confirmado el uso de bombas cibernéticas en ciberataques contra objetivos del Daesh.

También en materia de ciberseguridad nacional ha sido destacado el mes de junio, cuando la policía de Corea del Sur hizo público un ataque proveniente de Corea del Norte. Al parecer el ataque comenzó hace más de un año, teniendo como primer objetivo 140.000 ordenadores pertenecientes a organizaciones y agencias gubernamentales, así como a contratistas de defensa. Hasta febrero de este año no se ha descubierto el ataque, según lo dicho por la policía habrían robado más de 42.000 documentos, de los cuales un 95% estaban relacionados con defensa, como por ejemplo los planos y especificaciones de las alas del caza norteamericano F15.

Documento completo: Informe PandaLabs Q2 2016.

Pandalabs

PANDALABS. Informe Q2 2016. Agosto de 2016 [consultado 26-08-2016]. Disponible en: http://pandasecurity.s3.amazonaws.com/resources/pandalabs/Pandalabs-2016-Q2-es.pdf

Seguridad y comodidad: ¿compatibles?

Pongamos el caso de dos consumidores diferentes. Uno de ellos, al ir a acceder a la web o la app del banco se ve obligado a introducir su contraseña, datos personales y otros credenciales, sintiéndose frustrado por el tiempo que le cuesta entrar en comparación con el acceso a otras de las plataformas o empresas con las que trabaja habitualmente. Por otro lado, otro consumidor entra en el sitio del banco y considera que no existen los requisitos de autenticación que él cree que debería haber para sentirse seguro frente a la amenaza de ciberataques existentes en la actualidad. ¿Se puede conseguir tener contentos a estos dos tipos de usuarios a la vez? Según algunas fuentes, hay una forma para hacerlo.

Según estas fuentes de investigación, como es el caso de la llevada a cabo por Mckinsey, la solución recae en cambiar la forma en que las organizaciones piensan tanto acerca de la seguridad digital como de la experiencia de cliente, alejándose de la visión de que existe una medida única para todos los consumidores y tratando de adoptar un enfoque granular teniendo en cuenta las diferentes formas en que puede pensar cada consumidor y cómo estos perciben sus experiencias en materia de seguridad.

Durante décadas, la segmentación de clientes ha sido una estrategia crucial para todas las disciplinas que tienen que ver con el marketing y las ventas. Podría haber llegado también el momento de aplicarla al área de la ciberseguridad.

Centrando en los diferentes tipos de viajes de consumidor que se llevan a cabo las empresas podrían ser capaces de ofrecer una experiencia digital mejor sin tener que comprometer la percepción de seguridad del cliente ni la exposición al riesgo de la compañía.

Demasiadas contraseñas que recordar.

La investigación de Mckinsey apunta a que, en los últimos años, el intento de aumentar la seguridad frente a la amenaza cibernética ha hecho que la calidad de la experiencia digital haya disminuido ya que los consumidores hoy en día se ven obligado a recordar más de 14 contraseñas, de media, mientras que sigue aumentando su percepción de complejidad e ineficiencia en su experiencia de autenticación.

Mejorar la experiencia de seguridad digital en los consumidores es muy importante por varios factores:

  • Dirige las tasas de adopción: los consumidores se alejan de las apps o webs que no perciben como seguras.
  • Los consumidores usan entre un 10 y un 20% más los servicios digitales que consideran fáciles de manejar.
  • Los consumidores que usan los canales digitales gastan un 45% más que los que usan los tradicionales.
  • Dar servicio a este tipo de consumidores digitales acarrea menos costes a las empresas.
  • Mejora los niveles de satisfacción y la imagen de marca.

¿Cómo encontrar el balance entre comodidad y seguridad?

Según Mckinsey, las compañías deberían considerar tres tipos o segmentos de clientes:

  • Aquellos que valoran sobre todo la comodidad.
  • Aquellos que prefieren sentirse seguros
  • Aquellos que apuestan por un modelo mixto.

Aunque es obvio que todos los consumidores, si se les pregunta, van a decir que quieren tanto seguridad como comodidad, un análisis profundo de cada uno de ellos puede revelar que una creciente minoría se tiene una prioridad entre ambas características.

La investigación de Mckinsey revela que un 30% de la gente prioriza la comodidad por encima de la seguridad. Este tipo de consumidores se sienten cómodos con un nivel básico de seguridad, pero, sin embargo, consideran muy atractiva la posibilidad de acceder a su cuenta sin tener que incluir una constraseña. Por otra parte, rechazan la idea de tener que utilizar un password único, “de usar y tirar”, cada vez que se conecten.

En el otro lado se encuentra un 10% de consumidores que prefieren contar con un alto nivel de seguridad. Este tipo de consumidores aceptan la posibilidad de emplear contraseñas de un único uso y no contar con ningún tipo de contraseña les hace sentir inseguros. Por último, el 60% restante están dispuestos a hacer razonables concesiones con la finalidad de aunar comodidad y seguridad.

Fuente: Mackinsey
Fuente: Mackinsey

Con la ayuda de la analítica de datos, se deben aplicar las preferencias de los consumidores a través de los cuatro elementos principales del proceso de autenticación:

  1. Identificación: cada grupo prefiere una forma diferente de identificarse. Aquellos que priorizan la comodidad, por ejemplo, van a preferir utilizar su e-mail o su DNI antes que tener que poner un password, al menos online. Por el contrario, los que demandan mayor nivel de seguridad van a preferir usar su DNI y una contraseña con un mínimo de ocho caracteres alfanuméricos. Para estos últimos casos también podría ser válida una tecnología de verificación biométrica que use la huella dactilar o el reconocimiento facial.
  2. Gestión de la identidad: dependiendo del nivel de seguridad que demanda el cliente se puede preferir una opción que desconecta la aplicación pasado un tiempo determinado de actividad o aquella que permite marcar una casilla con la que se recuerdan de forma automática las credenciales para volver a loguearse sin tener que repetir contraseñas, DNI, etc.
  3. Acceso segmentado basado en el riesgo: no todas las transacciones tienen el mismo nivel de riesgo. Por ejemplo, podría no exigirse el mismo nivel de seguridad a la hora de consultar el balance de una cuenta que cuando se hace una transferencia y a su vez, estos niveles podrían ser superiores o inferiores en cada caso según la segmentación del cliente en cuestión.
  4. Gestión de excepciones: cuando se produce algún error: olvidarse la contraseña o la detección de una actividad inusual en la cuenta la mayoría de los usuarios van a querer recibir una solución rápida al problema. Un rápido mensaje de comunicación avisando del uso no habitual o para restablecer la contraseña perdida, así como la posibilidad de llamar rápidamente van a ser servicios muy apreciados en general. En estos casos, el 80% de las personas que utiliza smartphones prefiere utilizar su teléfono para hacerse una foto suya o junto a su carnet de conducir y así verificar su identidad, antes que tener que responder a preguntas de seguridad previamente guardadas, que también podrían olvidarse. El 20% restante prefiere una llamada telefónica de verificación.
Fuente: Mckinsey
Fuente: Mckinsey

Por tanto, esta nueva era de consumidores requiere que las compañías empiecen a pensar en la seguridad y la facilidad de uso, como características compatibles. En lugar de centrarse sólo en cómo mejorar las protecciones del back office, hace falta repensar la seguridad desde el punto de vista del consumidor. Las organizaciones que hagan esto van a construir una mayor confianza en sus consumidores y por tanto una ventaja competitiva crucial.

MCKINSEY. Is cybersecurity incompatible with digital convenience? Agosto de 2016 [consultado 26-08-2016]. Disponible en: http://www.mckinsey.com/business-functions/digital-mckinsey/our-insights/is-cybersecurity-incompatible-with-digital-convenience

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