In 2021, we saw a dangerous increase in #ransomwareattacks, causing devastating compromises to government organizations, critical infrastructure, and businesses. The sophistication and scale of cyber-attacks will continue to break records and we can expect a huge increase in the number of ransomware and mobile attacks. The year 2021 being one of the worst years for cybercrime — and 2022 is expected to be even worse. The year 2022, Ransomware will successfully hit a cloud service provider that houses business systems. They will lock up both the backup and the operations making it very hard not to pay the ransom. We saw how the AWS outages last month were able to cripple businesses, and we can be sure that bad actors took notice as well. In 2022, cyber operatives will successfully hit a mid-market financial institution -- and in their wake, they will disclose that they stole a significant amount of money. When the disclosure is public, AI-powered chatbots, mimicking human behaviours on social media, will create global sentiment issues about the stability of banks by posting misinformation online and sharing news stories that appear legitimate. In 2022, we can expect to see an increase in similar cryptocurrency related incidents and attacks, because of this, market models -- powered by artificial intelligence that surfs the Web looking for leading indicators -- quickly become overwhelmed with the negative press and process 'sell' orders for the financial sector writ large, causing people to panic and withdraw funds and/or flood the system with requests causing a mini Black Swan event.

Secondly, Extended Reality (XR) will experience its first major hack. In 2022, we will begin to see XR -- which includes AR, VR and MR -- used to conduct global gatherings without travel, hug the sick and the lonely remotely, train children in a way that's more emotionally supportive while remote, and more. XR thrives on collecting every detail about you to ensure .