The September edition of COVER Magazine takes a deep dive into the realities of a digital-first world where cybercrime is no longer a distant threat but a daily risk. Cyber risk has become one of the most urgent threats facing South Africa’s financial services industry. From multimillion-rand data breaches to ransomware attacks crippling major institutions, resilience now depends on layered protection, proactive leadership, and tailored cyber insurance that closes the gaps technology alone cannot.