Anthem. The U.S. Office of Personnel Management. Ashley Madison. 2015 brought us a year full of unforgettable data breaches, and security industry experts don’t have much hope that 2016 will fare better. So what cyber risks should consumers and companies be on the lookout for in 2016?

Here is a roundup of the top-five cyber risk trends anticipated in 2016:

1. The Internet of Things and Hackable Smart Products