She highlights one megatrend when talking about how the cloud, by enabling “economies of scale”, can reduce the cost of implementing security. “The cost of implementing security per unit of infrastructure is getting lower and lower over time,” she explained. This efficiency can make the cloud a safer bet than on-premise environments, where security costs tend to rise. Nevertheless, the shift to the cloud can introduce its own set of risks, such as dependency on a third-party , that insurers must consider carefully when managing accumulation risk across their portfolio.