In 2024, the leading risk to businesses in the United States were cyber incidents according to a survey carried out among risk management experts. Almost ** percent of the respondents cited cyber incidents as an important risk, and ** percent believed that businesses were at risk due to business interruption, including supply chain disruption. These two risks were also the leading risks globally. Experts’ take on business risks Directors and risk managers in North America reported in a 2023 survey that the most significant business risks were cyberattack, data loss, and cyber extortion. These business risks (among others listed) incur increasing financial drawbacks which impact company spending, and may require insurance ahead of encountering risks. It is expected that by the year 2030, the directors and officers (D&O) liability insurance market in the U.S. will have grown to over ** billion U.S. dollars. Is there insurance coverage for cyber crime? Cyber crime has become an increasingly common business risk factor globally, and as such, insurers have had to adapt to the public’s need to protect against cyberattacks. Currently, it is common for most major U.S. insurers to offer cybersecurity insurance policy options to their customers, both public and private. These policies protect customers against a wide variety of risks, including theft of or damage to IT assets, online banking identity theft, online shopping fraud, etc. In 2022, Chubb Ltd had the highest value direct cyber security premiums written in the United States.

Cyber incidents were the leading risk to businesses globally for 2025, according to a survey carried out among risk management experts in late 2024. These cyber incidents refer to things such as cyber crime, IT failure or outages, data breaches, and fines and penalties. The global cyber insurance market is forecast to grow consistently in coming years. What is cyber crime? Cyber crime refers to any criminal activities carried out through the use of a computer, a digital network, or the internet. As of January 2024, the biggest reported data leak to occur in the past few years was the 2020 hack of the online platform Cam4, which affected more than ** billion user accounts. In 2020, the Global Cybersecurity Index (GCI) ranked the United States as the country with the highest commitment to cyber security. Cyber attacks in the U.S. Instances of cyber crime has been on the rise in recent years, with the annual number of data breaches in the U.S. reaching a total of over ***** in 2023. At the same time, about *** million individuals were seemingly affected by record exposure. In 2023, the most common type of cyber attack experienced by U.S.-based companies was network intrusion. Network intrusion refers to unauthorized access to a corporate network.

The global credit risk database market is experiencing robust growth, driven by the increasing need for accurate and timely credit risk assessment across diverse sectors. The market's expansion is fueled by several key factors, including the rising adoption of digital technologies in lending and credit underwriting, the growing complexity of financial regulations demanding more sophisticated risk management strategies, and the increasing prevalence of fraud and credit defaults. This necessitates comprehensive credit risk databases offering detailed information on individuals and businesses, enabling financial institutions and other stakeholders to make informed decisions, minimize losses, and optimize their credit portfolios. The market is segmented by database type (consumer, commercial, etc.), deployment model (cloud-based, on-premise), and end-user (banks, insurance companies, etc.). Key players are actively investing in advanced analytics, machine learning, and data enrichment capabilities to enhance the accuracy and predictive power of their credit risk databases, further driving market expansion. Competition is intensifying, with companies focusing on strategic partnerships, acquisitions, and technological innovation to maintain a competitive edge. The forecast period (2025-2033) anticipates continued growth, fueled by burgeoning adoption of sophisticated credit scoring models and the expansion of fintech companies leveraging these databases for lending and other financial services. Regulatory changes impacting credit reporting and data privacy are likely to shape the market landscape, necessitating compliance and adaptation among database providers. While challenges such as data security concerns and the cost of data acquisition and maintenance persist, the overall market outlook remains positive, with substantial growth potential across various geographic regions, particularly in emerging economies experiencing rapid economic development and financial sector expansion. Estimating a reasonable market size requires making assumptions about the provided CAGR and the market's initial value. Let's assume a base year (2025) market size of $5 billion and a CAGR of 12% for illustration purposes. This would indicate significant growth over the forecast period.

The Score resolves the challenge of assessing a company's financial stability and likelihood of payment default. Facilitating business partner evaluation with one standard score anywhere in the world and from any sector.​ - Comprehensive coverage from unregistered businesses to multinational companies, irrespective of the industry. - Early warning, global applicability, and real-time responsiveness.

Dataset Structure and Components: Status Indicators: Mixture of current (9) and historical (6) assessments

Risk Classification System: The dataset employs a sophisticated 1-9 scoring scale that directly correlates with probability of default:

9: Highest financial stability (0.05% default probability) 8: Financial stability (0.15% default probability) 7: Above average stability (0.4% default probability) 6: Average stability (0.7% default probability) 3: Financial difficulties (4% default probability) 2: Critical financial situation (10% default probability) 1: Pre-insolvency indicators (25% default probability)

Practical Applications: This sample illustrates how financial risk assessment can be standardized and quantified to support business decision-making.

The scoring system provides: Clear quantification of default risk over a 12-month horizon Consistent risk evaluation metrics across diverse company profiles Objective benchmarks for credit limit determinations Framework for monitoring changes in financial stability over time

The scoring structure allows organizations to establish risk tolerance thresholds, automate approval workflows based on score ranges, and create standardized reporting for stakeholders. Note: This is sample data intended to demonstrate the structure and capabilities of a financial scoring system.

Learn More For a complete demonstration of our Score capabilities or to discuss how our system can be integrated with your existing processes, please visit https://business-information.coface.com/what-is-urba360 to request additional information.

Leverage high-quality B2B data with 468 enriched attributes, covering firmographics, financial stability, and industry classifications. Our AI-optimized dataset ensures accuracy through advanced deduplication and continuous updates. With 30+ years of expertise and 1,100+ trusted sources, we provide fully compliant, structured business data to power lead generation, risk assessment, CRM enrichment, market research, and more.

Key use cases of B2B Data have helped our customers in several areas :

1. Boost Lead Generation & Sales Outreach : Target the right businesses with precise, segmented contact lists for cold calling, email marketing, and industry-specific campaigns.
2. Enhance CRM & Web Data for Smarter Engagement : Enrich CRM records with instant access to detailed company profiles, visitor identification, and continuous data updates.
3. Strengthen Risk Assessment & Fraud Prevention : Evaluate supplier reliability, assess credit risk, and prevent fraud with deep firmographic and financial insights.
4. Gain a Competitive Edge with Market Research : Analyse industry trends, benchmark competitors, and identify automation-ready sectors for strategic positioning.
5. Optimize B2B Strategies with AI-Powered Insights : Leverage structured, compliant data to drive smarter business decisions across sales, marketing, and operations.

This data is the research data used in the paper named The Heterogeneous Impact of Fintech on the Profitability of Commercial Banks: Competition and Spillover Effects.

Commercial Banks: KBMI 2: Capital Adequacy Ratio: Including Operational Risk data was reported at 39.155 % in Feb 2025. This records a decrease from the previous number of 39.559 % for Jan 2025. Commercial Banks: KBMI 2: Capital Adequacy Ratio: Including Operational Risk data is updated monthly, averaging 37.120 % from Oct 2021 (Median) to Feb 2025, with 41 observations. The data reached an all-time high of 39.559 % in Jan 2025 and a record low of 25.635 % in Oct 2021. Commercial Banks: KBMI 2: Capital Adequacy Ratio: Including Operational Risk data remains active status in CEIC and is reported by Indonesia Financial Services Authority. The data is categorized under Indonesia Premium Database’s Banking Sector – Table ID.KBE013: Bank Performance: Commercial Bank.

Motivated by the evidence that risk premia are large and countercyclical, this paper studies a tractable real business cycle model with a small risk of economic disaster, such as the Great Depression. An increase in disaster risk leads to a decline of employment, output, investment, stock prices, and interest rates, and an increase in the expected return on risky assets. The model matches well data on quantities, asset prices, and particularly the relations between quantities and prices, suggesting that variation in aggregate risk plays a significant role in some business cycles. (JEL E13, E32, E44, G32)

About the Dataset This dataset contains financial transaction records and risk management data for accounting systems. It includes a variety of transactional data, such as transaction IDs, amounts, categories, and payment methods, alongside associated risk incidents like fraud, errors, and misstatements. The dataset also captures system metadata, such as user activity, transaction processing time, login frequency, and geographical region of the IP. The data is designed to simulate real-world accounting system operations and risk events, enabling the development and testing of AI-driven risk prediction models. The dataset can be used for research in real-time financial risk management, fraud detection, and improving decision-making processes in accounting systems using artificial intelligence.

Georgia Commercial Banks: Risk Weighted Assets data was reported at 32,938.377 GEL mn in Sep 2018. This records an increase from the previous number of 31,414.863 GEL mn for Aug 2018. Georgia Commercial Banks: Risk Weighted Assets data is updated monthly, averaging 10,449.447 GEL mn from Oct 2002 (Median) to Sep 2018, with 192 observations. The data reached an all-time high of 34,353.754 GEL mn in Dec 2017 and a record low of 1,222.712 GEL mn in Oct 2002. Georgia Commercial Banks: Risk Weighted Assets data remains active status in CEIC and is reported by National Bank of Georgia . The data is categorized under Global Database’s Georgia – Table GE.KB011: Financial Soundness Indicators: Commercial Banks.

The Risk Management Agency (RMA) Summary of Business includes a variety of reports, data files, and an application that provide insurance experience for commodities grown and insured. This includes the most current information, some national reports, and the ability to create ad-hoc queries. Data for the past five years, which is updated each Monday, includes all of the business data that has been validated and accepted throughout the previous week with a cutoff every Friday. Data for the older years is static and no longer updated.

Graph and download economic data for Weighted-Average Risk Rating by Size of Loan ($ thousands): $10,000+, All Commercial Banks (DISCONTINUED) (ER10000PNQ) from Q2 1997 to Q2 2017 about weighted-average, average, commercial, loans, banks, depository institutions, rate, and USA.

Learn about industry best practices, actionable tools, and step-by-step processes for improving your bank’s risk and credit portfolio management systems.

This map shows which areas have concentrations of high risk businesses in the event of an economic downturn. Areas in red have a higher concentration of one or more of the five categories (by NAICS code): Clothing/Accessory stores, General Merchandise stores, Arts/Entertainment/Recreation, Accommodation, and Food Service/Drinking Places. The popup breaks down count of businesses per category and percent of businesses for the area. Data is 2019 vintage and available by county, tract, and block group. Overall, in the US, these 5 categories make up 11.8% of total businesses.Esri's Business Summary Data: Esri's Business Locations data is extracted from a comprehensive list of businesses licensed from Infogroup. It summarizes the comprehensive list of businesses from Infogroup for select NAICS and SIC summary categories by geography and includes total number of businesses, total sales, and total number of employees for a trade area.Esri's U.S. 2019 Data: Population, age, income, race, home value, spending, business, and market potential are among the topics included in the data suite. Each year, Esri's Data Development team employs its proven methodologies to update more than 2,000 demographic variables for a variety of U.S. geographies. To browse, all data variables available within Esri's demographics explore the Data Browser. Additional Esri Resources:Get StartedEsri DemographicsU.S. 2019 Esri Updated DemographicsBusiness Summary DataMethodologies

Leverage high-quality B2B data with 468 enriched attributes, covering firmographics, financial stability, and industry classifications. Our AI-optimized dataset ensures accuracy through advanced deduplication and continuous updates. With 30+ years of expertise and 1,100+ trusted sources, we provide fully compliant, structured business data to power lead generation, risk assessment, CRM enrichment, market research, and more.

Key use cases of B2B Data have helped our customers in several areas :

1. Boost Lead Generation & Sales Outreach : Target the right businesses with precise, segmented contact lists for cold calling, email marketing, and industry-specific campaigns.
2. Enhance CRM & Web Data for Smarter Engagement : Enrich CRM records with instant access to detailed company profiles, visitor identification, and continuous data updates.
3. Strengthen Risk Assessment & Fraud Prevention : Evaluate supplier reliability, assess credit risk, and prevent fraud with deep firmographic and financial insights.
4. Gain a Competitive Edge with Market Research : Analyse industry trends, benchmark competitors, and identify automation-ready sectors for strategic positioning.
5. Optimize B2B Strategies with AI-Powered Insights : Leverage structured, compliant data to drive smarter business decisions across sales, marketing, and operations.

The credit risk evaluation data generated by a commercial bank’s personal consumption loans.

The global Business Risk Control Solution market is experiencing robust growth, driven by increasing regulatory scrutiny, the rising adoption of cloud-based solutions, and the expanding digital landscape. The market, estimated at $15 billion in 2025, is projected to exhibit a Compound Annual Growth Rate (CAGR) of 12% from 2025 to 2033, reaching approximately $45 billion by 2033. This growth is fueled by several key factors. Businesses are increasingly prioritizing proactive risk management to mitigate financial losses, reputational damage, and operational disruptions stemming from cyber threats, fraud, and regulatory non-compliance. The shift towards cloud-based solutions offers scalability, cost-effectiveness, and enhanced data analytics capabilities, accelerating market adoption. Furthermore, the emergence of advanced technologies like artificial intelligence (AI) and machine learning (ML) is enabling more sophisticated risk assessment and predictive modeling, further driving demand. The Enterprise segment currently holds a dominant market share, driven by their greater resources and complex risk profiles. However, the Individual segment is witnessing significant growth due to increasing awareness of personal financial security and identity theft prevention. The market is segmented by application (Individual, Enterprise, Others) and type (On-Premises, Cloud-Based). While the on-premises segment currently holds a significant share, the cloud-based segment is projected to experience faster growth due to its inherent advantages. Geographic growth is varied, with North America and Europe leading in market share due to high technological adoption and stringent regulations. However, the Asia-Pacific region is expected to demonstrate substantial growth in the coming years, driven by rapid economic expansion and digital transformation across various sectors. Competitive forces are shaping the market, with established players like FICO, SAS, and Experian competing with newer entrants leveraging innovative technologies and niche market strategies. Market restraints include high initial investment costs for some solutions, the need for skilled personnel to manage these systems effectively, and the ongoing challenge of adapting to evolving risk landscapes.

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Governance Risk And Compliance (GRC) Platform Market Size 2025-2029

The governance risk and compliance (grc) platform market size is forecast to increase by USD 44.22 billion, at a CAGR of 14.2% between 2024 and 2029.

The market is experiencing significant growth, driven by the increasing need for organizations to comply with a complex regulatory landscape. With the continuous evolution of regulations and the consequences of non-compliance becoming increasingly severe, businesses are turning to GRC platforms to help manage and mitigate risk. Furthermore, the integration of GRC platforms with third-party technologies is becoming a key trend, enabling organizations to streamline their operations and enhance their overall risk management capabilities. However, this integration also presents challenges, as ensuring data security becomes increasingly complex in a multi-platform environment. Organizations must address these challenges by implementing robust security measures and adopting a holistic approach to risk management. By leveraging the capabilities of GRC platforms, businesses can effectively navigate regulatory requirements, improve operational efficiency, and mitigate risk in a rapidly changing business environment.

What will be the Size of the Governance Risk And Compliance (GRC) Platform Market during the forecast period?

Explore in-depth regional segment analysis with market size data - historical 2019-2023 and forecasts 2025-2029 - in the full report.
Request Free SampleThe Governance, Risk, and Compliance (GRC) platform market continues to evolve, responding to the dynamic needs of businesses across various sectors. GRC platforms enable organizations to manage policy enforcement, integration capabilities, business continuity, security compliance, IT governance, cloud security, risk management, incident management, SOX compliance, governance frameworks, disaster recovery, workflow automation, internal controls, and regulatory compliance. These solutions facilitate the seamless integration of security compliance, IT governance, and risk management, ensuring business continuity and data privacy. GRC platforms provide metrics dashboards, enabling organizations to monitor and optimize cost efficiency, while also addressing third-party risk and company risk management. Moreover, GRC platforms offer policy management, access control, control monitoring, penetration testing, and compliance automation. They also provide log management, audit management, vulnerability management, and compliance management, ensuring adherence to data privacy regulations such as CCPA, GDPR, HIPAA, and others. The ongoing unfolding of market activities reveals a growing emphasis on threat intelligence, API integrations, and centralized platforms for managing risk assessment and document management. GRC platforms continue to evolve, providing organizations with the tools they need to effectively manage their risk landscape and maintain regulatory compliance.

How is this Governance Risk And Compliance (GRC) Platform Industry segmented?

The governance risk and compliance (grc) platform industry research report provides comprehensive data (region-wise segment analysis), with forecasts and estimates in 'USD million' for the period 2025-2029, as well as historical data from 2019-2023 for the following segments. DeploymentOn-premisesCloud-basedComponentSoftwareServicesApplicationRisk ManagementCompliance ManagementAudit ManagementPolicy ManagementEnterprise SizeSmall and Medium Enterprises (SMEs)Large EnterprisesIndustry VerticalBanking, Financial Services, and Insurance (BFSI)HealthcareIT and TelecomManufacturingRetail and Consumer GoodsGovernment and Public SectorEnergy and UtilitiesGeographyNorth AmericaUSCanadaEuropeFranceGermanyItalyUKMiddle East and AfricaEgyptKSAOmanUAEAPACChinaIndiaJapanSouth AmericaArgentinaBrazilRest of World (ROW)

By Deployment Insights

The on-premises segment is estimated to witness significant growth during the forecast period.In the realm of business operations, Governance, Risk and Compliance (GRC) platforms play a pivotal role in ensuring corporate governance, managing risks, and adhering to regulatory requirements. On-premises GRC solutions encompass three critical dimensions for organizations: governance, risk management, and compliance. Governance involves the implementation of structural policies and reforms to maintain corporate integrity. Risk management identifies and manages various risks, such as operational, financial, and fraud risks. Compliance entails adherence to rules and regulations set by regulatory bodies. These dimensions are integral to delivering products and services that meet established standards. Moreover, on-premises GRC solutions automate reporting and documentation processes, streamlining risk management efforts. The correlation between risk management, compliance, and governance is undeniabl

This dataset contains: (1) the firm-level data of the number of financial institution analysts firm visiting and firm characteristics, (2) The data used to estimate the earning quality following (Dechow & Dichev, 2002) and (Kothari et al., 2005)

The files contain our firm-level measure of cybersecurity risk as well as replication codes in SAS & STATA for our study entitled "Cybersecurity Risk"