If you ask the Washington-based Institute for Critical Infrastructure Technology, this is the year when ransomware will wreak havoc on America’s critical infrastructure community, including financial services.

Ransomware basically locks the data on a computer — or the computer itself, or even an entire system or network — so that users cannot gain access to data or processes; it then holds the system and its data hostage, or even threatens destruction of the data, until the system’s owner pays a ransom for its release. 

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