In an era where data is the new currency and digital transportation is the lifeblood of national stability, cybersecurity has ascended from a technical concern to a pillar of national security.

For Pakistan, a state on the cusp of a major digital transformation, the vulnerability of its State-Owned Enterprises (SOEs) and public-sector organizations to cyber-attacks presents a critical threat. These entities manage everything from the country’s power grid and healthcare systems to financial markets and national assets.

A single, well-executed cyber-attack could paralyze essential services, expose sensitive citizen data, and undermine economic stability, with catastrophic ripple effects on a national scale.

The escalating global cyber risk landscape, defined by major disruptions like the 2024 CrowdStrike outage, the proliferation of AI-driven threats, and increasing supply chain vulnerabilities, highlights an urgent need for Pakistan’s Public and Private sectors to adopt a robust defence. While the international reinsurance market, with leaders like Munich Re, is working to bridge this protection gap, many of Pakistan’s SOEs remain uninsured against these pervasive risks.

In the digital age, a nation’s strength is measured not just by its defence system or economy, but by the resilience of its digital infrastructure, to counter this evolving and sophisticated threat landscape, Cyber Takaful emerges as a strategic, Shariah-compliant solution. This innovative model transcends traditional insurance by embedding principles of mutual assistance and collective responsibility.

Rooted in the concept of Takaful, where participants pool resources to support one another in times of crisis, it provides a faith-based........

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