It’s 4:45 on a Friday.
Someone on your finance team gets a call.
The voice is calm, knows the CFO’s name, references a real invoice number, and just needs “one quick correction” on a wire transfer.
Ninety seconds later, the money is gone.

Nobody wrote a single line of malicious code to make that happen.

That’s not a scare story. It’s the new baseline. CrowdStrike found that 79% of detections in 2025 involved no malware at all — no virus, no exploit kit, nothing your antivirus was ever built to catch. The attacker just… logged in. Or called. Or asked nicely.

If you run a small or midsize business, 2026 is the year to stop thinking about cybersecurity as “did we install the right software” and start thinking about it as “can someone talk, click, or log their way into something they shouldn’t.”

Here’s what the data actually says, and what to do about it.