Abstract
The risk of sensitive information disclosure and modification through the use of online services has increased considerably and may result in significant damage. As the management and assessment of such risks is a well-known discipline for organizations, it is a challenge for users from the general public. Users have difficulties in using, understanding and reacting to security-related threats. Moreover, users only try to protect themselves from risks salient to them. Motivated by the lack of risk assessment solutions and limited impact of awareness programs tailored for users of the general public, this paper aims to develop a structured approach to help in protecting users from threats and vulnerabilities and, thus, reducing the overall information security risks. By focusing on the user and that different users react differently to the same stimuli, the authors developed a user-centric risk assessment and response framework that assesses and communicates risk on both user and system level in an individualized, timely and continuous way. Three risk assessment models were proposed that depend on user-centric and behavior-related factors when calculating risk. This framework was evaluated using a scenario-based simulation of a number of users and results analyzed. The analysis demonstrated the effectiveness and feasibility of the proposed approach. Encouragingly, this analysis provided an indication that risk can be assessed differently for the same behavior based upon a number of user-centric and behavioral-related factors resulting in an individualized granular risk score/level. This granular risk assessment, provided a more insightful evaluation of both risk and response. The analysis of results was also useful in demonstrating how risk is not the same for all users and how the proposed model is effective in adapting to differences between users offering a novel approach to assessing information security risks.