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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The Apple Watch X could change everything. Here are 6 things I want to seeNo result found, try new keyword!Rumors suggest the Apple Watch X is coming in 2024 or 2025 — and it should be a huge upgrade. Whenever it gets here, these are a few things I hope to see.You’ll be able to run Windows XP on your Apple Vision Pro from day one![]() Apple Vision Pro was announced in June at WWDC 2023, and the product won’t hit stores until 2024. However, in the meantime, Apple has released the visionOS SDK so that developers can build and test Apple Vision Pro apps on a Mac before the official launch. And surprisingly, someone managed to port a Windows XP virtual machine to visionOS. Apple Vision Pro can run Windows XPIn a video shared on X, the developers behind UTM show a Windows XP virtual machine successfully booting into the visionOS simulator. For those unfamiliar, UTM is a system emulator and virtual machine host for iOS and macOS based on QEMU. In other words, it lets users run Windows, Linux, and even macOS on an iPhone, iPad, or Mac. According to the developers, although Windows XP has been successfully emulated in visionOS, they have yet to implement input support, which means there’s still no way to interact with the virtual machine once it’s booted. Of course, this is something the UTM developers plan to implement in the future. “UTM is now running on Vision Pro (simulator)! Still need to implement input devices but here’s a sneak peek,” the developers explained (via iPhoneSoft). While having Windows running on visionOS is impressive at first, it’s not exactly a surprise to see it working since the Apple Vision Pro’s operating system is based on iPadOS – which the developers of UTM already support. Still, having an operating system like Windows XP running in a virtual floating window definitely seems interesting. Unfortunately, you probably won’t find UTM in the App Store since Apple doesn’t allow virtual machine apps on iOS. The app must be installed via sideloading methods (such as AltStore) or TestFlight. But for those who want to see what it’s like to run Windows on Apple Vision Pro, the app should be available to customers on day one. More about Apple Vision ProVision Pro is Apple’s first mixed-reality headset. It relies on advanced sensors and high-resolution cameras to show the visionOS interface overlaid with the real-world environment. Inside, there’s an M2 chip and a new R1 chip dedicated to rendering the images captured from the cameras in real time. Apple says Vision Pro will launch in the United States in early 2024, with a few more countries getting the product later in the year. Prices start at $3,499. Until then, developers working on visionOS apps can ask Apple for an Apple Vision Pro Developer Kit. FTC: They use income earning auto affiliate links. More. ![]() Freddie Mac releases 2023 stress test resultsIn accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act, Freddie Mac has released its 2023 Stress Test Disclosure, which reflects two hypothetical economic scenarios, including a “severely adverse” scenario. Under the latter, Freddie Mac would face a credit loss of $13.7 billion — or 0.4% of its total portfolio — under the adverse scenario. Losses under the 2023 scenario are higher when compared to the results of the 2022 test. Last year, the GSE was projected to face a credit loss of only 6.3%, or 0.19% of its average portfolio balance. Fannie Mae has not yet released the results of its 2023 Dodd-Frank Act Stress Test (DFAST). In June of this year, that GSE was forced to re-release the results of its 2022 test after it had made an “identification of errors in an underlying model.” This led the GSE to advise against “rely[ing] on the information in [the] report for any purpose.” Freddie Mac is required to conduct annual stress tests in an effort to “assess capital adequacy under [the Federal Housing Finance Agency (FHFA)’s] rule implementing the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) stress testing requirements,” the results explained. The annual tests are designed to determine capital adequacy, and summarizes results based on a “severely adverse” scenario prescribed by FHFA based on a hypothetical scenario that illustrates the resiliency of the model to challenging economic conditions. This year’s adverse scenario requires a 38% decline in home prices, a 40% reduction in commercial real estate prices, and a severe global market shock with the GSE’s largest counterparty defaulting. The GSE is also required to disclose “certain capital information, such as net worth, and available common equity tier 1 (CET1) calculated in accordance with requirements of the FHFA Enterprise Regulatory Capital Framework (ERCF) Rule,” a requirement which began with the publication of 2022’s results. “Results are not expected outcomes,” Freddie Mac said. “They are modeled projections based on hypothetical economic conditions. actual outcomes may be very different.” Once Freddie Mac releases its 2023 DFAST, FHFA is expected to compile a report featuring both sets of results. Earlier this month, Freddie Mac reported that it had generated $2.94 billion in net income in the second quarter, up 41% from the first quarter and 20% year-over-year. |
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