Technology disruption is generally seen as a good thing, leading to the creation of new markets and value networks. But this principle works as much for the bad guys as it does for everyone else, says Steve Durbin, managing director of the ISF.

"A lot of the threats we see now are enabled or created by technology," Durbin says. "We've always lauded disruptive innovation, but the good guys are not the only ones who can take advantage of this."