The Exponential Ripple: How JLR’s Cyber Incident Exposed the Interconnected Matrix of Risk, and How PRAC Stops the Spread

A month after Jaguar Land Rover’s cyber incident, the story is no longer only about one company’s outage. It is about the exponential ripple that travels through a tightly coupled production and supplier network, then into finance, regulation, and public policy. The United Kingdom moved to stabilize the sector with a £1.5 billion loan guarantee through UK Export Finance, a partial backstop intended to unlock working capital from commercial banks and push liquidity down the supply chain. Reporting also confirms that JLR had no cyber insurance at the time of the attack, and that recovery will take months rather than days, with additional bank facilities arranged alongside the guarantee.