2026 Edition · Human Risk Intelligence

The 2026 Human Risk Intelligence Report

Why the human layer is now the primary battleground in cybersecurity — and how to see, measure, and reduce the risk your people represent.

Published 2026  ·  usecure Research Team  ·  ~10 min read  ·  Sources: IBM, Verizon DBIR
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01 · Executive Summary

The human layer is under attack

Technology has never been stronger. Firewalls, endpoint detection, and zero-trust architectures have matured dramatically. And yet, breaches keep happening — because attackers have redirected their focus to the one vulnerability that can't be patched: your people.

In 2026, the threat landscape is defined not by technical sophistication alone, but by psychological precision. Threat actors armed with generative AI, publicly available social data, and stolen credentials can now construct attacks that are contextually flawless — emails from a "manager," voice calls from a "CEO," vendor invoices backed by fabricated approval threads.

Email from a “manager”
Voice call from a “CEO”
Vendor invoice with fabricated approval threads
These attacks don't look like attacks. They look like Tuesday.— usecure 2026 Human Risk Intelligence Report

The goal of modern social engineering is not to raise suspicion or trigger alarm. Instead, it is to exploit human automation — getting employees to respond instinctively and without hesitation.

Traditional security awareness programs, such as annual click-through training modules and generic phishing simulations, are no longer sufficient in today's threat landscape. Modern cyberattacks demand a more effective approach: continuous, behavior-focused, and deeply personalized training and insights.

This is the core philosophy behind Human Risk Intelligence, which equips security leaders with real-time visibility into each employee's individual risk level, delivered as practical, actionable intelligence.

Traditional security awareness
Annual click-through training modules
Generic phishing simulations
No longer sufficient in today’s threat landscape
Human Risk Intelligence
Continuous, behavior-focused and deeply personalized
Real-time visibility into each employee’s individual risk level
Delivered as practical, actionable intelligence
02 · The Human Attack Surface

What is the human attack surface?

The human attack surface refers to all the ways people — employees, contractors, vendors, and executives — can be exploited or make mistakes that lead to security breaches. It represents the portion of organizational risk that arises from human behavior rather than technical vulnerabilities. This includes:

Phishing & social engineeringSusceptibility to phishing and social engineering attacks (e.g., deceptive emails, phone calls, text messages, and impersonation attempts)
Weak password practicesWeak password practices such as password reuse, predictable passwords, or sharing credentials
Human errorHuman error and accidental actions, including misconfigured settings, sending sensitive data to the wrong recipient, or mishandling confidential information
Insider threatsInsider threats, whether malicious, negligent, or compromised employees
Lack of security awarenessLack of security awareness and training, leading to poor security decisions and risky behaviors
Shadow ITShadow IT and unauthorized technology use, where employees adopt unapproved tools, applications, or devices
Third-party & vendor risksThird-party and vendor risks, where partners or contractors with access to systems or data introduce security vulnerabilities
Privilege misusePrivilege misuse, including excessive access rights or inappropriate use of elevated permissions
Remote & hybrid work risksRemote and hybrid work risks, such as insecure home networks, unmanaged devices, or public Wi-Fi usage
Emerging risks from AIEmerging risks from AI and digital tools, including unsafe use of generative AI, data leakage through AI platforms, and AI-enabled social engineering attacks
03 · The Problem

Most businesses cannot see their human attack surface

Unlike technical attack surfaces, which focus on exploitable systems and software, the human attack surface is dynamic and constantly changing. It is influenced by factors such as employee behavior, organizational culture, business processes, workforce turnover, and evolving threat tactics.

Most organizations already have a significant amount of human risk data available to them. The problem isn't that the data doesn't exist; it's that it lives in silos (scattered across disconnected systems and tools), making it difficult to see, correlate, and act upon. Training completion records sit in one platform, identity and security hygiene data in another, dark web exposure information in a third, phishing simulation results in yet another system, and policy acknowledgments, compliance tracking, and violation records in their own dedicated repository. As a result, very few cybersecurity professionals have the time or specialized expertise needed to manually bring all these pieces together to form a clear, unified view of their human attack surface.

Training recordsIdentity & hygieneDark-web exposurePhishing resultsPolicy & compliance
Human Risk
Intelligence
One unified, real-time view
What organizations can’t answer today
  • Which users matter most to an attacker?
  • Which users are easiest to compromise?
  • Which compromise would hurt most?
  • What should we fix first?
Why the silos are dangerous

Security teams often see activity, not exposure. Identity teams have one picture. Awareness teams have another. Infrastructure teams have a third.

Attackers, however, don’t see these boundaries — they look for weaknesses across the entire organization.

What security teams cannot see

Security teams often see activity, but not exposure. They can report on what training was completed, but not on where the real risk is building — and that gap is exactly what attackers exploit.

04 · How Attackers Actually Think

Attackers already prioritize humans intelligently

Threat actors do not target every user equally. They profile organizations carefully: using LinkedIn to identify high-value roles, examining social media for behavioral signals, and probing for the specific combination of factors that makes a user worth targeting. They are looking for the overlap between influence, access, weak hygiene, exposed credentials, and behavioral opportunity.

InfluenceAccessWeak hygieneExposed credentialsBehavioral opportunity
Worth targetingThe users attackers prioritize

Critically, human risk is contextual. The same phishing click carries very different risk depending on who clicks it.

A user with strong MFA and no exposed credentials who fails a phishing simulation represents a very different risk profile from an executive with admin access, weak account hygiene, and a credential breach on the dark web.— How attackers actually think

Human risk is contextual

Regular user
No MFA
Credential breach on the dark web
Failed phishing simulations
Low value & business impact
Executive
No MFA
Credential breach on the dark web
Failed phishing simulations
High value & business impact
05 · Toxic Combinations

Risk becomes dangerous when signals combine

Organizations have spent years measuring cybersecurity risks in isolation. They track phishing susceptibility, identify users without multi-factor authentication (MFA), flag dormant accounts, and review privileged access. While these individual indicators are valuable, they only tell part of the story.

The real risk emerges when these factors combine. A user who occasionally clicks suspicious emails may represent a moderate risk. An administrator without MFA may also be concerning. A dormant account with an old password is certainly worth investigating. But when these risks exist together, they create what we call a toxic combination — a convergence of vulnerabilities that dramatically increases the likelihood and potential impact of a security incident.

The 5 elements of a toxic combination

Low security awareness
MFA disabled
An old password
Dormant for months
Admin privileges
Any combination converges
Toxic accountHigh-probability, high-impact attack path
Security awarenessSecurity awareness reflects an employee’s ability to recognize and respond to cyber threats. When awareness is low, users are more likely to click malicious links, open dangerous attachments, or share sensitive information with attackers.
Old passwordsPasswords that have remained unchanged for extended periods can become significant security liabilities.
Multi-factor authenticationMFA adds an additional layer of verification beyond a password. Organizations with widespread MFA adoption significantly reduce the risk of account compromise.
Dormant accountsDormant accounts are active accounts that are no longer regularly used. They provide legitimate access pathways that may go unnoticed for long periods.
Access & privilegeAccess determines what systems a user can reach. Privilege determines what actions they can perform. A compromised administrator account can provide access to critical infrastructure, sensitive data, and security controls.
When risk becomes toxic
Consider the following account

Individually, each of these factors represents a manageable security risk. However, when combined, they create a significantly more dangerous situation. This account represents far more than five separate risks. It creates a high-probability, high-impact attack path. An attacker who obtains the password through a breach database could gain immediate access. Because MFA is absent, there is no additional barrier to entry. Since the account is dormant, unusual activity may go unnoticed. And because the account retains administrative privileges, the attacker could access sensitive systems, exfiltrate data, or deploy ransomware. This is the essence of a toxic combination: multiple weaknesses reinforcing one another to create an outsized security risk.

06 · The Cost of Inaction

Human-layer breaches don't just damage systems; they damage businesses

Breach cost
0M
average cost of a data breach in 2024
IBM, 2024
Human element
0%
of breaches involved a human element
Verizon DBIR, 2024
Time to contain
0days
average time to identify and contain a breach
IBM, 2024
Regulatory finesGDPR fines can reach €20M or 4% of global annual turnover. Demonstrably poor human risk practices are increasingly cited as an aggravating factor by regulators.
Cyber insurance premium hikesInsurers now scrutinize human risk controls during underwriting. Organizations without measurable awareness programs face significantly higher premiums or coverage refusals.
Reputational damageCustomer trust, once lost, is difficult to recover. 66% of consumers say they would stop doing business with an organization that experienced a breach involving their data.
Employee and talent impactHigh-profile breaches trigger staff attrition and reputational damage in hiring markets. Security incidents can signal poor organizational culture to prospective employees.

The organizations least likely to experience a costly human-layer breach are not those with the most technology, but those with the clearest visibility into people risk and the ability to act on it.

07 · Measuring ROI

What gets measured, gets managed

For years, organizations have struggled to quantify the effectiveness of security awareness initiatives. Completion rates, quiz scores, and phishing simulation results provide useful data points, but they rarely tell the full story. More importantly, they fail to answer a critical question: is human risk actually decreasing?

Human Risk Intelligence changes the conversation by shifting the focus from activity-based metrics to risk-based outcomes. Instead of measuring participation alone, organizations can track whether employee behaviors, security posture, and overall exposure to attack are improving over time.

Key metrics that matter

01
Human Risk Score ReductionTrack changes in overall risk scores across users, departments, and the organization as a whole. A reduction in high-risk users is one of the clearest indicators that risk management efforts are having a measurable impact.
02
Phishing SusceptibilityMonitor trends in phishing simulation performance, including click rates, credential submissions, and reporting rates. The goal is not simply fewer clicks, but stronger decision-making when employees encounter suspicious activity.
03
Security Awareness PerformanceMeasure improvements in training engagement, assessment results, and knowledge retention over time. Consistent improvement indicates that security awareness efforts are driving meaningful behavioral change.
04
Identity Hygiene ImprovementsTrack the adoption of security controls such as multi-factor authentication (MFA), password manager usage, password health, and reductions in exposed credentials. Stronger identity hygiene directly reduces opportunities for attackers.
05
Reduction in Toxic CombinationsPerhaps the most important metric of all is the reduction of toxic combinations across the organization. Eliminating situations where multiple risk factors converge significantly reduces the likelihood of successful compromise.
08 · Future Outlook

The next evolution of human risk

The cybersecurity landscape is entering a new phase. While technology-driven attacks remain a significant threat, the rapid advancement of artificial intelligence, the widespread availability of personal data, and the increasing sophistication of social engineering techniques are fundamentally changing how attackers operate. Over the next five years, organizations should expect human-focused attacks to become more targeted, automated, and difficult to detect than ever before.

Human Risk Intelligence becomes a board-level metricHistorically, organizations have measured security performance through technical indicators such as vulnerability counts, patching rates, and endpoint coverage. In the years ahead, human risk metrics will increasingly become part of executive reporting and board-level governance. Leaders will be expected to demonstrate not only that technical controls are in place, but also that human risk is being actively measured, monitored, and reduced.
Regulators and insurers increase scrutinyRegulatory bodies and cyber insurers are placing greater emphasis on the human factors that contribute to security incidents. Organizations that cannot demonstrate effective management of human risk may face increased scrutiny, higher insurance premiums, and greater challenges in proving due diligence following a breach. Visibility into employee risk, security behaviors, and intervention outcomes will become an increasingly important part of compliance and risk management programs.
The future belongs to organizations that can see human riskAttackers already understand that people are often the fastest route into an organization. The organizations that succeed in the years ahead will be those that develop the same level of visibility into human risk that they already have for technical vulnerabilities. Human Risk Intelligence represents the next evolution of cybersecurity: transforming fragmented behavioral signals into actionable intelligence that enables organizations to identify risk earlier, intervene more effectively, and reduce the likelihood of costly security incidents before they occur.
09 · Assessment Checklist

How visible is your human attack surface?

Use the checklist below to assess your organization's current level of human risk visibility and management.

Identity & Access Security

Is multi-factor authentication (MFA) enabled for all privileged accounts?
Do you regularly identify and remove dormant accounts?
Do you monitor for exposed credentials on the dark web?
Do you review administrative privileges on a regular basis?

Security Awareness & Behavior

Do you provide continuous security awareness training rather than annual-only training?
Do you measure behavioral improvement over time?
Can you identify users who repeatedly fail phishing simulations?

Governance & Risk Management

Is human risk reported to senior leadership or the board?
Do you track measurable reductions in human risk over time?
Can you demonstrate the effectiveness of your security awareness program?
Do you have a defined process for prioritizing high-risk users?

Visibility & Monitoring

Can you identify your highest-risk users at any given time?
Do you have a single view of employee risk across your organization?
Can you correlate training, phishing, identity, and threat intelligence data?
10 · Conclusion

The human risk imperative

The findings in this report point to a clear and urgent conclusion: the human layer is no longer a secondary consideration in cybersecurity; it is the primary battleground.

Attackers have already adapted. They profile individuals, exploit behavioral patterns, and combine multiple signals to identify the highest-value, lowest-resistance targets in your organization. The question is no longer whether your people are being targeted; it's whether you have the visibility to see it happening.

Traditional approaches — annual training, generic phishing simulations, siloed reporting, are insufficient against this level of precision. Security leaders need unified, real-time intelligence that translates human behavior into actionable risk scores, enabling faster decisions, more targeted interventions, and measurable improvement over time.

Human Risk Intelligence is not just a framework. It is a fundamental shift in how organizations understand and manage the most complex variable in their security posture: their people. The organizations that invest in this capability today will not only be better protected, they will be better positioned to demonstrate that protection to regulators, insurers, and the board.

The Human Risk Imperative
Glossary

Key terms

Show definitions

Human Attack Surface — the full range of ways in which people — employees, contractors, vendors, and executives — can be exploited or can make mistakes that result in a security breach.

Human Risk Intelligence — a security framework that aggregates behavioral, identity, and threat data to produce real-time, individual-level risk scores, enabling targeted and measurable intervention.

Toxic Combination — a convergence of multiple individual risk factors — such as weak credentials, disabled MFA, dormant account status, and elevated privileges — that together create a disproportionately high-probability attack path.

Social Engineering — psychological manipulation of individuals into performing actions or divulging confidential information, typically as a precursor to a cyber attack.

Phishing — a form of social engineering delivered via email (or SMS/voice) in which an attacker impersonates a trusted entity to steal credentials, install malware, or deceive the recipient into taking a harmful action.

Multi-Factor Authentication (MFA) — an authentication mechanism that requires users to verify their identity using two or more independent factors (e.g., password + mobile app code), significantly reducing the risk of unauthorized access from compromised credentials.

Dark Web Exposure — the appearance of an individual's or organization's credentials, personal data, or sensitive information on dark web marketplaces or breach databases, often as a result of a prior data breach.

Shadow IT — the use of software, applications, devices, or services by employees without the knowledge or approval of the IT or security team, introducing unmanaged risk into the organization.

Dormant Account — a user account that has not been actively used for an extended period, which may go unmonitored and represent an elevated security risk if credentials are compromised.

Privilege Misuse — the inappropriate or excessive use of elevated system access rights, whether intentional or accidental, that can lead to data exposure, policy violations, or security breaches.

Security Awareness Training — structured education and practice designed to improve employees' ability to recognize, avoid, and report cyber threats.

About usecure

The Human Risk Intelligence platform built for the modern threat landscape.

usecure is a Human Risk Intelligence platform designed to help businesses reduce their human attack surface through continuous, intelligent, and measurable security awareness. Built with a managed service provider (MSP)-first approach, usecure equips security teams and their clients with the tools to simulate phishing attacks, deliver adaptive training, manage policy compliance, monitor dark web exposure, and — critically — bring all of these signals together into a single, unified Human Risk Intelligence view.

Where traditional security awareness programs stop at training completion, usecure goes further: quantifying individual risk, surfacing toxic combinations before attackers can exploit them, and turning human behavior into a manageable, reportable metric.

Protected
0+
organizations protected globally
Partners
0+
MSP partners worldwide
Recognition
#1
Human Risk Intelligence (HRI) platform
G2 Leader — Security Awareness Training ISO/IEC 27001 SOC 2 Type 2
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2026 Human Risk Intelligence Report
2026 Edition
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