Contents
NEWS
Technology drives down card fraud in major European countries 1
Cosco hit by ransomware 3
New alliance 3

FEATURES
The intelligent solution: automation, the skills shortage and cyber-security 6
Are miserly budgets putting businesses at risk of cyber-attack? 9
Get the full e-signature picture to avoid falling foul of the law 12
Not your fairy-tale prince: the Nigerian business email compromise threat 14
Nation-state hacking – a threat to everyone 17

Editorial 2
Report analysis 4
News in brief 5
Calendar 20