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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Cisco Systems, Inc.: Implementing ERP

Abstract

Reviews Cisco System's approach to implementing Oracle's Enterprise Resource Planning (ERP) software product. This case chronologically reviews the diverse, critical success factors and obstacles facing Cisco during its implementation. Cisco faced the need for information systems replacement based on its significant growth potential and its reliance on failing legacy systems. The discussion focuses on where management was particularly savvy in contrast to where it was the beneficiary of good fortune.

Keywords Citation

How architecture students can remain focused amid the COVID-19 crisis

For every student, apprentice, and academic in architectural education throughout the UK, the last few weeks have been puzzling, stressful and unpredictable. We’re all reacting in different ways to this crisis, mostly with concerns for the wellbeing of family and friends. Being confined to their homes more than is usual and losing physical touch with their social circle are also new challenges we’re adapting to.

The RIBA understands that – irrespective of which part of the programme they’re studying –everyone in a school of architecture has worries about completing their work. People are concerned how their submissions will be taught and assessed, whether the usual deadlines will apply, and the effect this will have on their studies and employment.

The RIBA has no greater ability to foresee the future of this pandemic than any other organisation, news source or independent commentator. However, we’re offering some common sense advice for everyone in UK schools of architecture, accepting that as the situation develops, they will review and revise what we’ve said – and provide more help.

The choice of representation and media submitted by students as part of their final projects and portfolios may have to adapt in the current context without access to more sophisticated software at home, but standards should not drop. Some academics, in fact, are predicting a revival in hand drawing and a rise in quality. Image courtesy of The Bartlett School of Architecture, UCL.

Part 1 and Part 2 students and apprentices who are not scheduled to graduate this year

  • Focus on the long view: you need to stay focused on being successful with your studies this academic year. Remember that although the present situation is a challenge, your future is more important. What you do now will have implications for your degree, and your employment in the profession.
  • Moving online: with the recent closure of all UK universities, teaching has moved online. You should now all be able to talk to your tutors and lecturers online with a video and audio link. If you don’t yet have this set up, please ask your school how to do it; there are helplines on your school and university websites. If you don’t have access to a computer, please make your tutors aware of this as soon as possible.
  • Media and representation: university closures will affect your ability to produce 3D analogue and physical models, so consider instead how you’ll represent the same ideas entirely through drawing (or whatever materials you have at home).
  • Showing up and submitting: When your tutors schedule virtual meetings with them, please make sure you ‘attend’. You need to ensure you receive clear feedback from your tutors, and know what to do next. Structure each day to achieve defined goals (even if they’re modest), critically reflecting on what you’ve achieved. Stick to set submission dates for your work. Instead of asking whether your deadline should be moved, plan for hitting that deadline as effectively as you can.
  • Don’t forget your classmates: A critical part of studying architecture is your peer group – all those friends and colleagues in your studio and lecture room who you learn with and from. Keep in touch with them as regularly as you would in the world outside, exchanging progress updates, information, and support
  • Part 1 and Part 2 students and apprentices who are scheduled to graduate this year

  • Strengthening your degree: it’s particularly important for graduating students to concentrate on working to given deadlines. Your degree needs to be as valuable and strong in its own right, and not compromised by the health crisis. Remote working offers you a unique time to produce a wonderful digital portfolio, which will be the passport to the next stage of your career in architecture. In most schools, there will still be interviews with external examiners at the end of this academic year, even if you’re likely to meet them through a video link. These external examiner interactions are a critical point to work to as they offer you the chance to demonstrate everything you’ve learnt – and how this is expressed through your work.
  • The big picture: keep in mind that the profession of architecture will still be there when this pandemic ends. There will be economic challenges ahead, but the best practices will still want to recruit the best talent, so nothing has changed. What you do now in your online school will affect your opportunities in the professional context outside, so keep all your big plans in mind, and work to the same goals you had before; your portfolio is as important now as it was before all this happened. Finally, don’t hesitate to get your beautifully written and illustrated CVs to those practices you want to work with.

    Interaction with peers is an essential part of architectural education and students should make time to interact with their classmates as they would when at university.

    Part 3 candidates

    Understandably, your primary concern, at this time, may be about redundancy, so it’s important to ask what your employer is doing to keep their workforce together – and how this affects you. With construction sites closing, projects you’re working on and using for a part 3 case study could be suspended for some time.

    PEDR: use this change in circumstances as an opportunity. You could (for example) describe in detail in your case study: how your practice, its clients, and the design team adapted to the new situation, transitioning to homeworking; what challenges did this create, and what were the implications for business management and resourcing? In other words, you could talk about the professional responses made to complex and unpredictable circumstances.

    Exam of Part 3: check with your Part 3 provider that the timeline for your Part 3 submissions, examinations and viva is proceeding as usual. Though it is likely that the format for your exams and viva may change to an online format, the rigour of the process will be no different.

    As much as possible, whether you are a Part 1, Part 2 or Part 3 student, try to retain your long-term aspirations for your career; your goal to register as an architect in the UK should not be affected or impaired by this crisis.

     RIBA Future Architects is their network and community for future and emerging architects, designed to support, inspire and provide a voice as you transition from study to practice. View their resources.

    Article by David Gloster, RIBA Director of Education.


    UP Diliman grad tops landscape architect licensure exam

    No result found, try new keyword!The Landscape Architect board test was conducted on July 19 to 20, 2023 in the National Capital Region and Cebu City. For the issuance of professional ID and certificate, successful examinees were ...
     


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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