Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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South Africa vs. Italy: Free live stream, TV, how to watch Women’s World Cup 2023

South Africa will take on Italy on Wednesday morning, August 2 at 3 a.m. eastern time for the Women’s World Cup Group G play in Wellington, New Zealand.

Italy will be in a must win situation , needing a win to qualify for the World Cup’s last 16. South Africa will need a win to have any chance of advancing in their group.

How to watch South Africa vs Italy at the 2023 FIFA Women’s World Cup

What time does the match start? What TV channel is it on? - Wednesday’s match will kickoff at 3:00 a.m. ET at Wellington Regional Stadium. It will air on FS1 in the United States.

Live stream info: fuboTV | DirecTV Stream | Sling - Fans have a variety of ways to stream Women’s World Cup soccer matches this year, including Sling, which is one of the cheapest streaming options. Fans can also sign up for free trials via fuboTV and DirecTV Stream. Viewers with a cable subscription can use the login credentials from their TV provider to watch via FOX Sports.

More coverage from Associated Press

YDNEY (AP) — The Women’s World Cup is taking shape with shocks and highlights as it nears the end of the group stage.

Some players have established themselves as ones to watch, like Colombia star Linda Caicedo, who has made her team one of the tournament surprises. Colombia picked up an upset win over Germany, and Nigeria upset co-host Australia — just two of the games that showed the gap has closed at top level women’s soccer.

But co-host New Zealand was eliminated, and other big teams are in danger of not advancing headed into the final few days of group play.

The Associated Press takes a look at some of the highlights and lowlights so far:

GOAL OF THE TOURNAMENT

There have been a number of contenders and Bia Zaneratto’s strike against Panama after a sweeping move from Brazil stands out as the most complete goal so far.

Ireland’s Katie McCabe scored directly from a corner kick against Canada, and England’s Lauren James curled in a long range effort against Denmark.

Even so, Caicedo’s solo goal in Colombia’s dramatic 2-1 win against Germany is the pick of the bunch. With a flash of skill, she beat two German players in the box before lashing a shot into the top corner as the Sydney crowd dominated by Colombia fans went wild.

MOMENT OF THE TOURNAMENT

It has to be Manuela Vanegas’ late winner for Colombia against Germany. Alexandra Popp seemed to position two-time champion Germany for a draw with an 89th-minute penalty.

But Vanegas’ header in the 97th minute gave Colombia a World Cup upset.

COMEBACK

Norway looked down and out after an opening game loss to co-host New Zealand and a goalless draw against Switzerland. With star player Ada Hegerberg injured, the odds were beginning to stack up against the Norwegians going into their final Group A match against the Philippines.

But three goals within 31 minutes set up a 6-0 rout that saw Norway advance to the knockout rounds in second place. The Norway win knocked New Zealand out of the tournament, making the Football Ferns the first host to be eliminated in group play in tournament history.

EMERGING STARS

Caicedo’s standout performances aren’t a surprise to those who have followed her career. The Real Madrid forward has long-been tipped to be one of the biggest stars in women’s soccer.

She hasn’t disappointed in her first World Cup and has inspired Colombia to back-to-back wins with goals in each game.

England coach Sarina Wiegman unleashed Chelsea forward James from the start in the Lionesses’ second game against Denmark, and she made a quick impression. Collecting the ball outside the area after six minutes, she swept a curling effort past Lene Christensen.

Haiti’s Melchie Dumornay has shown flashes of the talent that earned her a move to French powerhouse Lyon, while 19-year-old Aoba Fujino has become the youngest player to score at a World Cup for Japan’s men’s or women’s teams.

Casey Phair, a 16 year old, became the youngest-ever player to appear in a senior soccer World Cup when she was a second-half substitute for South Korea against Colombia.

DISAPPOINTMENTS

While youngsters have capitalized on their chance to shine, some of the established names have yet to make their mark.

There have been differing reasons for that.

Sam Kerr’s calf injury robbed Australia of its star striker for its opening two games, while Hegerberg’s groin injury has cut her playing time for Norway.

Alex Morgan, who was the co-leading scorer at the last World Cup, is still finding her footing in the United States’ new look attack.

Record international scorer Christine Sinclair was benched for Canada’s second game and is still waiting for her first goal of the tournament, while Brazil great Marta has also been used sparingly.

SURPRISES

New Zealand kicked the tournament off with a 1-0 win against Norway, but couldn’t keep up its momentum and went on to lose by the same score to the Philippines to set up the co-host’s early exit.

Jamaica’s 0-0 draw with fifth-ranked France was described by its coach Lorne Donaldson as the country’s greatest soccer result, for men or women. But the biggest surprise could be yet to come if Jamaica can avoid defeat against Brazil to advance to the round of 16.

Colombia’s dramatic late winner against Germany, meanwhile, was one of the great upsets.

ENTERTAINERS

The goals have been flowing for Spain and Japan, teams that both advanced from the group stage with a game to spare. Both teams secured 5-0 wins against Zambia and both have produced technically excellent displays.

Germany was on a high after its 6-0 rout of Morocco, but was humbled by Colombia.

Sweden routed Italy 5-0, while Norway found its scoring touch just in time against the Philippines.

ONES TO WATCH

Some of the favorites have made underwhelming starts. The two-time defending champion United States, England, Germany and France have not been totally convincing in group play and the tournament still looks wide open.

Colombia looks legitimate, and with Kerr back in action, Australia could become a contender.

The Netherlands look like serious contenders, while Spain and Japan have impressed. Brazil has shown flashes, but faces a fight to advance from the group stage.

Nigeria has shown it is dangerous, and Sweden has picked up back-to-back wins.

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South Africa’s future depends on embracing the free market, says foundation

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How to watch Argentina vs. South Africa: FIFA Women’s World Cup time, TV channel, free live stream

Argentina and South Africa are both desperate for a win as they square off in the Group Stage of the 2023 FIFA Women’s World Cup at Forsyth Barr Stadium in Dunedin, New Zealand on Thursday, July 27 (7/27/2023) at 8 p.m. ET.

Argentina vs. South Africa will air on FS1, FS1 4K and Universo, and can be streamed live on fuboTV (free trial).

Stream the 2023 FIFA Women’s World Cup on fuboTV (free trial).

Both these teams are 0-0-1 to start the tournament. Argentina lost 1-0 to Italy in their tournament opener, while South Africa fell 2-1 to Sweden. With just three games per team in the Group Stage, a loss on Thursday will spell early elimination, while a win stands a chance to keep them in the running for the knockout bracket.

Argentina ran into a midfield stalemate, against Italy which they will look to avoid in their next matchup. They’ll rely on Vanina Correa in the goal while keeping pressure on South Africa. Banyana Banyana will look for more scoring from the likes of Hildah Magaia, who scored their lone goal against Sweden.

Here’s how to tune in.

What: FIFA Women’s World Cup Group Stage

Who: Argentina vs. South Africa

When: Thursday, July 27

Where: Forsyth Barr Stadium, Dunedin, New Zealand

Time: 8 p.m. ET

TV: FS1, FS1 4K, Universo

Channel finder: Verizon Fios, Xfinity, Spectrum, Optimum/Altice, Cox, DirecTV

Live stream: fuboTV (free trial), DirecTV Stream (free trial), Sling (half off first month), Hulu + Live TV

Cord cutters can sign up for fuboTV (free trial), DirecTV Stream (free trial) or Sling (half off first month) to enjoy broadcasts of FS1 and Universo.

Cable subscribers can login on FoxSports.com or associated apps with their cable credentials to stream the game for free.

These are the other games scheduled for Thursday, July 27:

  • Group E: Portugal vs. Vietnam 3:30 a.m. on FS1 (fuboTV)
  • Group B: Australia vs. Nigeria 6 a.m. on FS1 (fuboTV)
  • Check out the full 2023 Women’s World Cup tournament schedule.

    READ MORE: Women’s World Cup 2023 jerseys: Where to buy USWNT kit, and more teams, online

    Can I bet on the game?

    Yes, you can bet on the Women’s World Cup from your phone in New York State, and we’ve compiled some of the best introductory offers to help navigate your first bets from BetMGM, FanDuel, DraftKings, PointsBet, Caesars and BetRivers.

    Argentina is +100 to win, according to DraftKings.

    What is fuboTV?

    FuboTV is a live TV streaming service focused on live sports, including U.S. and international soccer, the NFL, MLB, NBA, NHL and more. It also includes its own fubo Sports Networks with exclusive programming. It offers 150 channels starting at $74.99, including 1,000 hours of DVR, and streams on most devices. Right now you can try fuboTV free for 7 days.

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    Warum sind Cyberrisiken so schwer greifbar?

    Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

    Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

    Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

    Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

    Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

    Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

    Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

    Nicht kriminelle Ursachen

    Höhere Gewalt

    Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

    Menschliches Versagen/Fehlverhalten

    Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

    Technisches Versagen

    Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

    Kriminelle Ursachen

    Hackerangriffe

    Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

    Physischer Angriff

    Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.

    Erpressung

    Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

    Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:

    Cyber-Kosten:

    • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
    • Krisenkommunikation / PR-Maßnahmen
    • Systemverbesserungen nach einer Cyber-Attacke
    • Aufwendungen vor Eintritt des Versicherungsfalls

    Cyber-Drittschäden (Haftpflicht):

    • Befriedigung oder Abwehr von Ansprüchen Dritter
    • Rechtswidrige elektronische Kommunikation
    • Ansprüche der E-Payment-Serviceprovider
    • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
    • Vertragliche Schadenersatzansprüche
    • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
    • Rechtsverteidigungskosten

    Cyber-Eigenschäden:

    • Betriebsunterbrechung
    • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
    • Mehrkosten
    • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
    • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
    • Cyber-Erpressung
    • Entschädigung mit Strafcharakter/Bußgeld
    • Ersatz-IT-Hardware
    • Cyber-Betrug