1+ Views

Qualities to look in full-stack IoT development company

Our daily lives run on smart software every device we use is connected with each other, we use our smartphones to switch on tv and AC's, smart washing machines, refrigerators, AI. IoT devices have increased over the years producing enough data and this will only continue to rise in the coming years.

Considering the rise in IoT technology and devices the demand for IoT developers will only increase. IoT is a potential industry that will see tremendous growth in the coming years, not only will the IoT industry grow it will also create more and more employment opportunities.

Full-stack IoT development has a huge demand and A the hunt IoTdeveloper that knows the entire development stack for a system and has knowledge and understanding of certain facets can help generate better products more quickly.

So, what are the attributes and expertise a company or a developer should master to become a full-stack IoT development company of a full-stack developer?

Layered full-stack IoT development ( sensors, microcontrollers, and an internet connection, IoT service platforms

The layered IoT stack consists of a sensor, Microcontrollers, internet connection, and IoT Service platforms

In a variety of applications, small and economical sensors are used.This layer continues to expand with the addition of new products of new Internet-connected sensors. There is no need to link new-age sensors directly to the internet.

The data you send will be recorded in the cloud which will be later synchronized with smartphones, dongles, or any other smart appliance.

Microcontrollers, internet connection the layer in which is stored and processed.Before uploading data to the cloud it will be evaluated, and summarised to obtain the precise data, which will reduce the cost of the transaction.

IoT Service platforms this layer helps automate the process and generate information by evaluating the data gathered from different IoT sensors and linked devices. It increases post-transaction interactions so that both company and end-users may track, maintain and update the firmware on the devices through platform insights and feedback.


Embedded Level Programming/Firmware
The forgotten craft of an embedded programmer has been resurrected by IoT.the code that runs in wearables or sensors — it's all embedded and runs without a true operating system in some circumstances.Design, development, and debugging are significantly different from the programming at the cloud or mobility or level of application.

Hardware Development, Design, And Manufacturing
Hardware is not a big part of the full-stack but it is a vital stack of the IoT. the hardware interface is important in developing IoT. Full Stack IoT firms own or control important hardware parts that their solution requires. This means that Full Stack IoT needs know-how about design and hardware development. Full-stack IoT developmententerprises need manufacturing and supply chain competence and know-how. IoT technology stack hardware compresses both the sensor and the gateway.

Application-Level And Middleware Programming
IoT Gateway, Cloud, and distributed middleware programming to align all elements together.

Cloud Development And Operations
All IoT applications require a cloud component and cloud infrastructure. a cloud-based IoT middleware section, and the IoT feature application.

Smartphone And Tablet Apps
You will require apps for both IoT application management and the use of application experience.

Analytics Mining And Business Intelligence
The organization effectively delivers its solutions with basic analytics and may be integrated into other advanced analytical goods and solutions.Full Stack IoT companies can use other companies' analytical solutions but will retain data control.

Integration With ITAnd Other Mining Systems
The Internet- of -things provides contextual value.Your IoT app may also need to link with other services to improve your service, for instance, if you offer an application that monitors/manages to air-condition that you need to interface with an online reporting service (HVACs).

Safety awareness is necessary, as each layer has its own weaknesses, to avoid damage. Security is a must for IoT stack. It is crucial in IoT to enable encryption and decryption technology during data transmission.For the security of IoT systems, device authentication and permission is also vital.In addition to this preventing and addressing any threats to the IoT system, IoT developers need to protect the privacy of their data.

User Interface And User Experience
To understand what consumers will experience and enjoy through your application or website, knowledge of both UI and UX is necessary.For instance, it is essential for a team that monitors and oversees the performance of such devices to construct a Web portal for the remote monitoring of millions of devices on a single interface.

Understanding Process Automation
A key aspect in full-scale stack development is knowledge of recurring, automated procedures for the development, testing, documentation, and implementation of the application.
DevOps (Software Development & IT operation), BVT (Build-Verification-Test), and microservices can decrease the release time cycle for full-stack developers.

IoT Full Stack Developers must have combined skills in IoT development with its know-how from the frontend- HTML, CSS, JavaScript, and backend- Python, Java, PHP.
Including firmware systems, network protocols, and sensors. This comprises essentially of a whole stack developing IoT integration through IoT networks by linking items.The Full-Stack Developer knows the formulas and order for collecting and analyzing data in this capacity.

From IoT to data presentation via maps and schemes.The IoT Full Stack Developer converts ordinary IoT sensors and microcontrollers into remarkable, through linking items to the Internet without interposing humans and machine interaction.
· C/C++ programming in built-in devices
· Development in API REST and SOAP
· Python programming
· WEB Development
· Git & GitHub
· Knowledge in IoT and server management systems (MQTT and other protocols)
· AWS development
· Basics of CSS pre-processing platforms, such as LESS and SASS.
· Version control system (VCS)
· Front-End Technologies&Backend Language
· Basic Designing skills
1 Like
Cards you may also be interested in
IoT and Its Impact on the Manufacturing Industries
IoT has been providing the businesses with the scope to form new and advanced solutions that allow the development of the latest solutions based on the Internet Of Things enabled solutions. The Industries like manufacturing are the ones which get highly benefited out of it. The IoT is making way for the advanced industrial developments and formation of Industry 4.0 solutions that allows the utilisation of technology in creating solutions and covering the domain of manufacturing. As industry 4.0 moves ahead it is able to generate momentum integrating IoT Devices, automation, and other tools that have now become a functionality under the growing architecture for the IoT. To make you understand well on the concept of Internet Of Things, let's take you a bit deeper and enhance your understanding: What exactly is IoT? As termed by the researchers IoT stands for the Internet of Things, under it the devices that operate ranging from the smart lights, smart sensors and others. These devices are making the use of technologies like WIFI, Li-FI, bluetooth for their functioning. As per the reports, IoT has been experiencing a high growth in investments for manufacturing with a projected growth of $260 billion by 2024. Under IoT positive growth reflects on the segmenting that follows upon with the detailed inclusion of the technological advancements that are taking place under IoT The Industrial IoT has been playing its role in enhancing the IoT Technology based developments in the manufacturing domain. Some of the IoT operations taking under manufacturing are: Manufacturing Operations Under IIoT Industrial IoT has been putting the emphasis on the developments taking place in the manufacturing domain with its operations getting segmented with for the IoT based inclusions like assets management, intelligent manufacturing, end-to-end devices optimization and monitoring, and others from Industry 4.0. Production asset management and maintenance It is considered as the highly utilised and one of the most used cases under the IoT in manufacturing with a large number of potential devices and applications working under it. Production asset monitoring and tracking with the manufacturing parameters like quality, performance, damage and breakdowns of the devices. IoT allows us to better monitor, improve performance and optimize the manufacturing devices operational capabilities. Improved Monitoring Equipment Utilisation IIoT has been improving the manufacturing equipment monitoring capabilities and allowing businesses to opt in for more and more developments under it. As it allows an improved productivity by 15- 25% and hence making a rightful impact on the manufacturing growth. Manufacturing machine utilisation takes in the various number of parameters that bring in the desired impact some of these are run time, product output, that bring in the impact with real time data monitoring and cloud service utilisation for the transmission of it as per the operational requirements. Enterprise Inventory Management With the large manufacturing businesses operating under the inventory management and utilising the resources offered under IoT to bring in the required inventory management solutions for their enterprise. Under IoT the inventory management has improved the production and efficiency from 30-50% for the enterprises The enterprise inventory management solutions work under IoT and RFID technologies. Predictive Maintenance Solutions Predictive maintenance works on the real time monitoring of the manufacturing equipment and brings in the parameters with the insights taken up from it. Machine learning algorithms also play their part in predictive maintenance.
Tips to secure your IOT based development solutions and services
The COVID-19 pandemic and 2020 lockdown put all analyst predictions into confusion, but as the economy begins to recover, IT consumption is predicted to pick up again, including the rise of the Internet of Things(IoT). The Internet of Things is not a single category, but rather a set of sectors and use cases. According to Research healthcare, smart offices, location systems, remote asset management, and emerging networking technology would boost IoT market growth in 2021. The Internet of Things (IoT) has a lot of advantages and risks. Supporters of technology and manufacturers of IoT devices promote the IoT services as an effort to better and simplify our everyday life by connecting billions of “smart” IoT devices  (such as Smart TVs, Smart Refrigerators, Smart Air-Conditioners, Smart Cameras, Smart Doorbells, Smart Police Surveillance & Traffic Systems, Smart Health & Performance Tracking Wearable, etc.) to the Internet. However, because of consumer privacy and data security issues with IoT Devices, IT Security Professionals believe it is unsafe and too dangerous. Secure Connection People benefit from stable cloud technology in a variety of ways, from encryption to other solutions. Other options are: Improving the security of your Internet gateway Before a device boots up, it performs a stable boot, which is a software device check. Keeping the cloud-based provider’s solutions up to date on a regular basis. To protect your private browsing data from possible attacks, use a protected VPN link. Building a Secure Network Access Control should be activated on your network so that only approved devices can connect. You should take the following steps: Build a firewall. Secure your authentication keys. Install the most up-to-date antivirus software to keep your network safe and secure. Here are some IoT security solutions for the most common IoT security issues: Secure the IoT Network To protect and secure the network linking computers to back-end networks on the internet, use standard endpoint security features such as antivirus, intrusion prevention, and control mechanisms. Authenticate the IoT Devices Introduce various user management features for a single IoT device and introduce secure authentication protocols such as two-factor authentication, digital signatures, and biometrics to enable users to authenticate IoT devices. Use IoT Data Encryption Encrypt data at rest and in transit from IoT devices and back-end networks using standard cryptographic algorithms and fully encrypted key lifecycle management procedures to enhance overall protection of user data and privacy and avoid IoT data breaches. Use IoT Security Analytics  Use IoT Security Analytics Tools that can detect IoT-specific threats and intrusions that standard network security solutions such as firewalls can’t detect. Use IoT API security methods Use IoT API Security methods to not only protect the privacy of data flow between IoT devices, back-end systems, and applications using recorded REST-based APIs, but also to ensure that only approved devices, developers, and apps communicate with APIs, as well as to identify possible threats and attacks against specific APIs. Test and IoT Hardware To ensure the security of IoT hardware, set up a robust testing process. This involves detailed testing of the range, power, and latency of the IoT system. Chip manufacturers for IoT devices must also improve processors for improved protection and lower power usage without rendering them too costly for consumers or too impractical to use in existing IoT devices, provided that the majority of IoT devices on the market today are inexpensive and disposable with minimal battery power. Develop Secured IoT Apps Given the immaturity of current IoT technology, IoT application developers must place an emphasis on the security aspect of their applications by integrating any of the above IoT security technologies. Before creating any IoT applications, developers must do complete research into the security of their applications and try to achieve the best possible compromise between the user interface and the security of their IoT software. Be Aware of the Most Recent IoT Security Threats and Breach Conclusion To ensure the security of the IoT devices and applications, the device makers and app developers must beware of the latest IoT security risk and breaches.  Since the Internet of Things is also a new concept, security flaws are likely to happen. As a result, all IoT device manufacturers and IoT app developers must be prepared for security risks and have a proper exit strategy to secure maximum data in case of a security attack or data breach  Finally, all IoT device manufacturers and IoT app developers must take action to inform their staff and customers about the current IoT risks, breaches, and security solutions. Visit IoT Development Company page if you have any concerns or would like more details about it.
Significant Impact of COVID-19 on Cellular IOT in ICT Industry
COVID-19 Impact on Cellular IOT in Information and Communication Technology Industry The pandemic started with its epicenter in China in 2019 and has been continuously spreading by then to all over the world, so far 216 countries and territories have been affected with COVID-19, the U.S. being on the top with cases reaching about 4.38 million, followed by Brazil, India and then by many European countries such as Russia, Spain, Italy, and others. The COVID-19 cases reaching to the big named countries with strong dominance in the global market which has adversely affected the economy globally. The spread of the Corona virus has led to the global recession, many companies are being bound to take stringent actions of laying off their employees, small businesses are being shut, manufacturing facilities are being put on hold. There has been a disruption in the supply chain of many industries due to restrictions in logistics and the closing of manufacturing facilities. In addition, the slowdown in the economy has lowered the spending capability of individuals and people are saving money for emergencies. However, now almost in every country, the factories are started to reopen by taking some prevention such as 20% -50% employees on the field, social distancing, extreme hygiene measures, and others to support the economy. It is supporting the economy and helping to lower the recession rate at a certain level. The pandemic has boosted the growth of the cellular IoT market. In response to the COVID-19 virus, many companies are moving towards working in a more virtual environment. This has placed a focus on organizations embracing collaboration tools and practices to support the virtual workplace. Organizations around the world are supporting the BYOD model (bring your device) to enable sales professionals to better serve their customers and prospects. Moreover, government mandate of work from home (WFH) policies has driven organizations to increasingly focus on more effective ways of engaging with customers in a remote working environment. Shifted focus towards work-from-home requires reliable connectivity and thus businesses will demand connectivity for monitoring and managing assets securely which in turn increases the demand for cellular IoT. The pandemic has exposed bottlenecks and inefficiency in the supply chains due to which businesses were leveraging cellular IoT for consignment and condition tracking to reduce revenue loss and improve product flow. Moreover, the broadband infrastructure all over the world upsurged due to a massive increase in video conferencing and video content streaming due to which cellular IoT becomes a key part of the new digitization era. For instance, · In June 2020, according to Telna whitepaper titled ‘The COVID-19 Impact on Cellular IoT’, new demand for cellular IoT following the pandemic could lead to over 11 billion cellulars IoT connections in the year 2025 IMPACT ON DEMAND The pandemic has boosted the digital transformation of industries; companies are focusing more on digital technologies to interact with their clients and customers. People are also more reliant on digital sources. The healthcare market is increasing rapidly in this pandemic. Cellular IoT (Internet of Things) in healthcare provides numerous opportunities that benefit both patients and businesses. It allows integrating and combining consumer and clinical data to create smarter and more meaningful connected consumer and care solutions and thus there has been increased o demand for cellular IoT in healthcare. As industries continue to push the boundaries of wireless technologies, new opportunities are opening for service providers within cellular IoT connectivity. Moreover, it was observed that the gradual spike in demand observed was due to the shift of consumers from traditional platforms to online digital platforms. Also due to lockdown and Covid norms, digitization and automation have become mandatory for any business. Providers need cellular IoT to provide their customers excellent experience to boost sales during this pandemic period. Also, providers need cellular IoT to analyze crucial consumer data and to drive insights for providing enhanced and personal customers experience and formulate effective marketing strategies to overcome the losses. IMPACT ON SUPPLY CHAIN The supply chain was adversely affected in the initial phase of the pandemic as lockdown prevailed in many regions globally, the government had limited the workers. Companies are making their operations work according to the government regulations by making limited workers work in different shifts. Industries were facing operational and supply chain disruptions, breakdowns, and labor shortages. Most cellular IoT providers have a large backlog of orders in hand due to chip shortages because of the disruption in the supply chain. However, now there is an improvement in the supply chain as most of the facilities and travel restrictions have opened and working in most optimum capacity. The companies are doing their best to meet the increasing demand. For Instance, · In May 2021, the chip shortage has affected the shipment volumes and profit margins of cellular IoT. Also, the global semiconductor shortage due to pandemic had affected some cellular module companies LONG TERM STRATEGY ADOPTED BY MANUFACTURERS OR STEPS TAKEN As the COVID-19 crisis continues to expand, makers would possibly face challenges on varied fronts. Producing firms would be searching for immediate measures to stay their workforces safe and their businesses solvent. Makers would conjointly have to be compelled to look on the far side of their economic viability. Because the COVID-19 pandemic intensifies, makers would possibly face continued pressure on demand, production, and revenues. They’d continuously face cash-flow liquidity challenges and difficulties in managing debt obligations. The pandemic has boosted the growth of the cellular IoT market. Thus, developers and providers were focusing on strategic decisions like partnerships, acquisition, product launch, mergers, and collaborations to meet the increasing demand in the Covid outbreak. For instance, · In April 2021, Bharti Airtel launched Airtel IoT, an integrated platform that would enable enterprises to utilize the power of the Internet of Things and prepare for the emerging era of connected things. It provides with the capability to connect and manage various devices and applications · In April 2019, AT&T launched its narrowband IoT (NB-IoT) network across the U.S., to complement its LTE-M network along with high-speed cellular coverage. Some of the IoT use cases include programs such as smart meters and location tracking, as well as connected street lights and smart appliances CONCLUSION Pandemic has taken a toll on every aspect of life, including the global economy. With the significant downfalls in many sectors, a collaborative effort of government, industry players, and consumers can win the fight against COVID-19. It continues to inflict the world with appalling economic and social dilemmas, capable enough to leave severe backlash on the economy for the next several years. The first wave had already inflicted severe blows to the population as well as the economy. The currently experiencing second wave is expected to be more disastrous not only to the masses but also to ICT markets. However, COVID-19 boosted the growth of the global cellular IoT market due to factors such as an increase in IoT connections, growing support from the government toward IoT initiatives, shift toward remote working, adoption of 5G network, surging networking budgets in countries, and ongoing development in wireless networking technologies.
IOT 융합 인증체계
디지털 사회는 IOT융합 인증보안체계를 절박하게 요구한다. 1. 서론 인증에 대한 수요는 보안 목표를 달성하고 KYC(know Your Customer)를 통하여 고객 만족과 편의를 제공하며. 서비스나 상품의 경쟁력을 강화하기 위하여 필수적인 비즈니스 요구로 부터 시작된다. 이러한 인증보안 수요는 모든 산업에 걸쳐 고객 주기 전반에 걸쳐서 빈틈 없이 내재되고, 연결되고 관련되어야 한다. 특히 4차산업혁명(Digital Transformation)이라고 부르는 최근의 동향에서 알 수 있듯이 향후 10년 이상 지속적인 변화의 압박이 모든 인간의 생활 속으로 파고들 것이다. 이러한 압박은 이전에 경험하거나 상상할 수 없었던 복잡성과 다양성을 쏟아내게 될 것이다. 여기서 주목되어야 할 것은 긍정과 부정의 효과는 항상 동시 다발적으로 발생한다는 점이다. 초연결을 지향하는 4차디지털변환기에 있어서 가장 핵심적인 부정적 효과 란 바로 프라이버시와 보안이라고 말할 수 있겠다. 왜냐하면 연결은 좋은 객체와의 연결을 통한 새로운 가치의 신속한 창출과 향유를 제공하지만 동시에 악의적인 목적에 이용될 가능성에 그만큼 더 많은 문을 열어주는 것과 같기 때문이다. 2. 눈 앞의 디지털 세상 초 연결 사회는 IT기반의 디지털 사회나 마찬가지다. 아날로그의 가치와 향수는 개인의 취미나 취향으로는 남겨지게 될 것이다. 대부분의 인간 활동과 기업의 활동이 디지털화되어 기획, 구축, 운영, 관리되는 세상이 올 것이다. 적어도 20년 이내에는 화폐조차 완전히 사라질 가능성이 높다. 그것이 구지 지금의 비트코인과 같은 암호화폐일 필요는 없다. 미래의 화폐가 무엇이 되었던 그것은 중요하지 않다. 다만 디지털화될 것이란 것에는 아무도 이견이 없을 것이다. 최근의 핀테크 이슈도 그러한 맥락에서 생겨난 하나의 현상이다. 아날로그의 마지막 추억은 화폐가 될 것이며 그 마저 디지털화되어 사라진다면 세상은 디지털이 아닌 것이 없게 된다는 것과 진배없다. 3. 조화 하루가 다르게 기술은 진화 발전한다. 때로는 어느 단계를 뛰어넘는 듯 한 현상도 종종 목격된다. 불가능을 가능하게 하며 상상을 현실로 만들어 버리는 폭발적인 실험들이 연일 지속되고 있다. 어떤 합리적인 투자가의 입장에서 보면 이러한 노력들이 밑 빠진 독에 물 붓기로 보이기도 한다. 그러나 분명한 것은 변화와 발전은 지속되고 있다는 것이다. 진화와 발전은 긍정과 보편적 가치를 지향한다고 믿어진다. 하지만 그 과정이 항상 명확하고 좋은 방향으로만 흘러가기는 어렵다. 기술과 기술 간의 간극이 벌어지기도 하고 연결과 호환의 불 안정성으로 예기치 못한 재앙적 결과를 가져오기도 한다. 특히나 특정 기술의 개발과 응용이 집단화된 이기주의에 의하여 주도되거나 퇴출되어 인류의 이익에 반함에도 불구하고 수용을 강요당하기도 한다. 그러므로 조화가 필요하다. 조화는 보편적 가치를 추구하는 사람들의 노력이 뒤 받침 되어 지속적인 시도와 퇴출의 반복을 통하여 이루어 질 것이다. 4. 인증보안 체계의 중요성 인터넷에 연결된 60억 사용자와 모발일로 연결된 30억 사용자가 매일 24시간 온라인 상태로 무엇인가를 하고 있다. 인터넷은 그 시작이 개방형 오픈 네트워크이다. 즉 누구나 접속할 수 있는 사이버 세상이라고 여겨져 왔다. 여기까지는 문제될 것이 없었다. 그러나 인터넷은 접속과 정보 전송을 한참 뛰어 넘어 이제는 무엇이나 할 수 있는 사어버 공간이 되었고 나아가 현실과 인터넷을 구지 구분할 필요를 느끼지 못할 수준에 도달했다. 급기야 인터넷의 핵심 가치라고 할 수 있는 “누구나 어디서나 접속"때문에 눈부신 발전을 이루었지만 이제는 동일한 이유로 전례 없는 문제와 위협에 노출되었다. 이제 다시 인증보안에 대한 이야기로 돌아가 보자. 필요에 따라 누구인지, 무엇인지, 무엇을 할 것인지, 허용을 할 것인지 아니면 차단 할 것인지, 허용한다면 그 권한의 수준은 어디까지 할 것인지, 불순한 의도를 사전에 파악할 방법은 없는지 등등을 결정하고 적용함에 있어서 신뢰할 수 있고 자동화가 가능한 뛰어난 결정 알고리즘이 필요하게 되었다. 이 알고리즘이 바로 인증보안체계이다. 한마디로 신뢰로운 인증보안 체계 없이는 오늘날 세상은 하루도 운영이 불가능하다는 것이다. 5. 인증체계의 구조 고객 감동을 추구하는 수 많은 가치 개발 노력들은 수많은 디바이스를 탄생시켰다. 특히 IOT 디바이스는 수십억 개가 연결되는 세상으로 치닫고 있다. 네트워크의 특성상 이들이 직접적으로 연결될 필요는 없다. 다시 말해 연결되지 않았지만 언제라도 연결될 수 있는 구조를 가지고 있다는 뜻이다. 디바이스를 네트워크를 통해 사용자가 제어하고 통제하고 이용할 수 있어야 하고 디바이스는 정당한 사용자나 신뢰할 수 있는 다른 디바이스만 연결을 허용할 수 있어야 한다. 뿐만 아니라 급속히 늘어나는 디바이스와 서비스 서버들이 사용자를 정확히 식별하고 인증된 사용자에게만 로그인, 거래 및 전자서명을 허용하는 인증체계가 필요하다. 구지 언급하자면 현재 이 과정을 비밀번호라는 인증수단이 가장 광범위하게 담당하고 있다. 이는 매우 심각하고 안일한 대응이 아닐 수 없다. 보다 안전하고 긴편한 디바이스와 사용자에 대한 동시 인증체계가 긴급하게 필요하다. 6. 위험 헷지 “혹자는 아직까지 잘 돌아 가고 있지 않나” 라고 말할 수도 있겠다. 그러나 정말 잘 돌아가는 것인가? 인증보안 문제가 어떻게 관리되고 있는지 소비자 생활과 산업을 연관 지어 살펴보면 이 문제는 명확하다. 전혀 잘 가동되고 있지 않으며, 불공평하며 심지어 집단 내지는 자본 이기주의가 숨어 있지 않나 의심이 들 정도이다. 인증체계의 구축과 운영 환경은 기술선도국이나 추종국이나 별반 차이가 없다. 현재까지도 온라인 인증은 비밀번호가 99% 이상을 차지하고 있다. 사이버 범죄로 인한 천문학적인 피해가 바로 이 비밀번호의 허술한 보안체계 때문임은 말할 필요도 없을 것이다. FIDO생체인증 표준이 비밀번호를 없애 줄 것이라 생각하는 것은 큰 오해이자 착각이다. 생체정보를 등록하기 위하여 먼저 비밀번호로 로그인하는 과정을 거치기 때문이다. 그러므로 비밀번호에 의존하는 이상 인증보안체계는 그 수준이 대동소이 하다고 보아도 무리가 없을 것이다. 그렇다면 비 대면 온라인 환경에서 핀테크나 금융산업이 활발하게 발달한 국가와 그렇지 않은 국가의 차이는 무엇 때문일까? 많은 여러가지 이유가 있겠지만 그 격차는 보험 산업의 수준과 관계가 깊다고 하겠다. 사이버 보험이 발달하고 거대 시장이 존재하는 국가에서는 보안침해로 인한 손실을 대부분 보험으로 헷지 할 수 있다. 보험료가 비용인 것은 분명한 사실이고 축소시키고자 하는 위험관리 부서의 미션도 있지만, 그럼에도 불구하고 보험은 가장 효과적인 위험관리 솔루션임에 틀림없다. 안타깝게도 선진국을 제외하고는 이러한 사이버 보험이 발달하지 못했다. 거대자본과 대규모의 기술자를 보유한 기업들조차 기술적으로 인증보안 체계를 개선하지 못하고 보험에 의존하는 것은 그 만큼 풀기 어려운 숙제이기 때문일까? 아니면 전락적 포석일까? 7. 결론 우리는 디지털변환기 또는 4차산업혁명이라는 단어를 인용하지 않더라도 인증보안체계의 중요성을 잘 알고 있다. 대한민국의 경우 최근 수년 사이에 사이버 위협으로 인하여 디지털 금융이 오히려 퇴보하였다. 일각에서는 비밀번호로 다 되는 해외 사례를 궁극의 정답인양 피상적인 정보로 혼란만 가중하였고 공인인증서 기반의 인증체계는 기술적/가치적으로 발전을 이루지 못하였다. 그 결과 지연이체, 이체한도 축소, 출금지연, 간편결제의 난립 등으로 불편함이 오히려 가중되었다. 요란한 생체인증이나 블록체인이 우리의 실생활에 추가적인 편의성과 안전성을 제공하였는지 다시 생각해볼 일이다. 기존의 디지털 금융 서비스가 퇴보하였다고 느낀다면 무엇이 부족한지 무엇을 해야 하는 지에 대하여 추가적인 부연 설명은 더 이상 필요가 없다고 할 수 있겠다. 이제 중요한 것은 지금부터이다. IOT시대는 거스를 수 없는 대세이고 기존의 디지털 가치 서비스는 IOT와 결합되어 더욱 분화되고 결합될 것이기 때문이다. 그러므로 어플리케이션과 IOT의 융합 인증보안체계는 이 시대의 가장 핵심적인 선결과제임에 틀림없다.