Cyber Insurance and Information Security

Vol. 34 No. 3

Kathleen Balthrop Havener is a Washington, D.C., attorney with a focus on complex commercial litigation. An honors graduate of Harvard Law School, Havener was the 2013 recipient of the Nettie Cronise Lutes Award, conferred by the Ohio State Bar Association’s Women in the Profession Section in recognition of a woman lawyer who has improved the legal profession through her own high level of professionalism and has opened doors for other women and girls. She is passionately committed to diversity in the profession and inclusiveness for all persons interested in its improvement.


In 1976, students at the University of Alabama who participated in the Law School’s second-year moot court competition faced a hypothetical case involving stand-alone mechanical devices that used optical scanning equipment and a telephone data connection to dispense a fixed amount of cash when a user inserted a specially coded card. Before I became (vicariously) familiar with that one moot court problem, I had never heard of an automated teller machine. It was still a dozen years or more before the term “ATM” was in widespread use. By 2015, though, it was estimated that there were at least 3 million ATMs operating worldwide. And to think that today I can safely make deposits into my bank account without changing from my PJs!

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