As the digital and physical worlds coalesce, cyber risks are undergoing fundamental changes that affect all stakeholders in different ways. As a global systemic risk, cyber issues can materialize on any scale and in nearly any form. This evolution means that reliability of connectivity as a driving force for economic growth and societal development is now at risk. To protect the integrity of global digital connectivity, governments, the private sector and civil society must adopt collaborative, multi-stakeholder approach. Zurich has been at the forefront of the cyber debate for many years, helping our customers and key stakeholders to get the bigger picture on cyber risks issues.