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Cyprus Financial Wellbeing Improves, But Challenges Persist

by THEFUTURE.TEAM

June 23, 2026

Overview Of Financial Well-being In Cyprus

The Financial Wellbeing Index for 2025 showed an improvement in the financial health of households in Cyprus, with the index rising to 54.6 points from 50.7 in 2024. Despite the increase, a large share of the population continues to face financial challenges, according to the report published by the Financial Wellbeing Institute.

Persistent Financial Vulnerabilities And The Cost Of Living

The study divides respondents into five financial well-being categories, ranging from financially vulnerable to financially thriving. More than a third of the population falls into the two lowest categories. Of those surveyed, 15.4% were classified as financially vulnerable, while 23.0% were identified as struggling financially.

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Concerns about everyday expenses remain widespread. When asked about the biggest threat to their financial stability, 26.1% of respondents cited the rising cost of living.

Retirement Concerns And Economic Security

Retirement preparedness also emerged as a key issue in the survey. Nearly half of the respondents said they were uncertain whether they would be able to maintain their current standard of living after retirement. On average, participants expected their state pension to replace 52.3% of their final salary.

The report noted that this expectation is higher than the replacement rate provided by the Social Insurance Fund, which is estimated at around 42%.

Targeted Interventions And Strategic Responses

Financial stress remained the weakest component of overall financial well-being, receiving a score of 48.8 points. Commenting on the findings, Financial Wellbeing Institute President Panayiotis C. Andreou said financial wellbeing depends not only on income levels but also on decision-making, retirement planning, and the ability to manage financial uncertainty. The survey was conducted in November 2025 among a representative sample of 809 permanent residents aged 18 to 64.

Supported by Mastercard and carried out in collaboration with IMR at the University of Nicosia, the study highlighted the role of financial education and retirement planning in improving long-term financial well-being.

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Apple Sends Record Wave Of Spyware Alerts To Users Worldwide

by News Editor

August 18, 2026

New Wave Of Warnings Triggers Unusually High Demand For Help

An unusually large number of Apple users have reported receiving notifications warning that their devices may have been targeted by sophisticated spyware.

Apple recently sent alerts to customers in 110 countries, warning that they may have been targeted by “mercenary spyware”, a term the company uses for sophisticated surveillance malware often associated with government-linked attacks. Apple says it has notified users in more than 150 countries in recent years.

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The latest wave appears to be its largest yet, according to Access Now, a digital rights organisation that investigates spyware cases.

Investigators See Surge In Reports

Mohammed Al-Maskati, who leads Access Now’s spyware investigations, told TechCrunch that requests for help were 30% to 40% higher than usual following an Apple alert campaign. Cybersecurity firm iVerify also reported an influx of Apple threat notifications.

The warnings have drawn attention in Ukraine as well. A Ukrainian Armed Forces soldier told TechCrunch that he received an alert and later learned that other military personnel had received similar notifications.

John Scott-Railton, a senior researcher at The Citizen Lab, said the scale and geographic spread of public reports were “pretty unprecedented”. He added that public posts likely represent only a fraction of the people who received warnings.

Apple Expands Its Warning System

The increase may partly reflect changes in how Apple delivers the alerts. The company now notifies users through their iPhone lock screen, Settings, email and Apple Account website.

Anyone receiving one of these warnings should take it seriously. Apple and security experts recommend enabling Lockdown Mode, which is designed to make iPhones, iPads and Macs harder to compromise.