The Playbook is designed to help companies and state institutions communicate cybersecurity risks more effectively and improve users’ ability to recognize increasingly sophisticated fraud attempts.

According to Cyber Islands’ latest research, only three in 10 Hungarians consider themselves prepared to defend against digital fraud. Just 24% of respondents were able to distinguish AI-generated fake news from real news.

The survey also found that 78% of Hungarian respondents believe banks are responsible for protecting users from cyber fraud, although only 60% consider them effective in doing so. Banks were followed in the perceived responsibility ranking by state institutions at 73%, utilities at 71%, online marketplaces at 69% and telecommunications companies at 68%.

Cybersecurity remains heavily dependent on the human factor, and many attacks continue to rely on deceiving users. While cybercriminals are using increasingly specialized and advanced methods, often supported by artificial intelligence, effective defense also requires more targeted, role- and sector-specific knowledge.

A Playbook to Counter Cyber Fraud

Based on this approach, Cyber Islands created the Playbook cybersecurity guide to provide practical support for the sectors most affected by fraud, including finance, telecommunications and online commerce, as well as state institutions. The guide is intended to help these organizations protect customers more effectively against scams that are becoming increasingly difficult to recognize.

Mastercard’s payment security experts participated in developing the educational toolkit to help make cybersecurity communication within the ecosystem more consistent, understandable and effective. Protecting the digital ecosystem requires coordinated action, while inconsistent communication can weaken the entire defense system.

Cyber Islands’ research found that regular communication encouraging users to take action is associated with significantly higher knowledge levels and better user performance.

The Playbook offers detailed guidance on how organizations can communicate cybersecurity risks effectively, develop users’ security awareness and respond quickly to constantly changing threats.

According to its authors, successful cybersecurity education requires coordination among financial ecosystem players, a precise understanding of target groups and the coordinated use of the right communication channels and messages. Instead of uniform communication, personalized education is needed, they said.

“The Hungarian cybersecurity profession has more potential than society currently uses. Cyber Islands wants to unlock this hidden potential by providing access to resources that would otherwise be difficult or costly to obtain,” said Ákos Csertán, founder of Cyber Islands.

Practical examples already show the results of coordinated communication, the organization said.

“OTP Bank has significantly reduced the number of completed payment fraud cases in recent years. We develop protective measures in close cooperation with the police and payment technology companies. This approach is also strengthened by the professional cooperation between OTP Bank and Mastercard, which also supports industry dialogue and knowledge sharing through the Cyber Islands community. In addition to cooperation, the importance of education is also key to preventing cyber fraud,” said Bence Borókai, group-level cybersecurity head at OTP Bank.