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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Exam Number : ACD100
Exam Name : Appian Certified Associate Developer
Vendor Name : Appian
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Appian CTO: Data Fabric Leads Evolution Of Low-Code For Process Automation

Appian founder and CTO Michael Beckley.


It’ll be a ‘busy’ year in low code. By busy, you can probably take that to mean noisy and clamorous in some circles, with technology vendors of every shape, size and specialism (i.e. not just the low-code & no-code purists) all pushing for so-called share of voice in this space with concoctions designed to represent low-code acceleration and automation advantages.

Five years ago they would not have heard niche enterprise software players in the petrochemicals Field Service Management (FSM) application market telling us they had low-code know-how. This year, that will probably happen.

The shift to connectivity

At the pure-play end of the low-code market the emphasis is perhaps less focused on ‘yep, they do that too’ and more on connectivity, accessibility, integration and enablement.

Process automation low-code platform and tools company Appian appears to have taken the 'connected possibilities' concept forward with its Appian Data Fabric offering. Formerly known as Appian Low-Code Data, the organization has aligned with analyst house Gartner’s concept of the data fabric, which it defines as, “A design concept that serves as an integrated layer (fabric) of data and connecting processes.”

As such, Appian Data Fabric enables users to connect applications to data in any third-party system with no data migration processes or the need to use Application Programming Interfaces (APIs).

The connectivity special sauce here manifests itself as a key feature i.e. when a user makes changes to the data in the systems it lives in, those changes are immediately reflected in the applications in which that data resides. The fabric concept here is clear enough. If you made changes to your outdoor gear and put an additional Gore-Tex all-weather membrane inside your coat and sprayed it with Scotchgard, you (or indeed anyone else) would automatically feel better protected.

The work to drive (and let’s say weave) Appian Data Fabric into its platform surfaces in the release of Appian 22.4, inside which the company has streamlined codeless data modeling to a higher degree than before and made it easier to add reference data to applications. Appian says it has also made it easier to examine a data model by adding more information about where data comes from before then letting users expand the data model diagram, so it’s easier to visualize.

"Appian Data Fabric unifies data from multiple systems to enable secure and easy access to enterprise data. This data fabric dramatically reduces the time to deliver new applications, simplifies system integrations and empowers FSI (financial services & insurance) organizations to securely drive new digital innovations – with 360-degree visibility and audit trails to simplify compliance," notes the company, in a product launch statement.

The rise of process automation

Bullish about the prospects for process automation enabled via the low-code advantage, Appian says it anticipates saving its customers over $100 billion annually, a figure which it will no doubt increase in future forecasts. Throughout 2022, Appian ran some 68 billion process automations on its platform. In technical terms, a process automation can be said to be individual actions within a process, which would ultimately form an element of some higher-level workplace workflow involving both people and machines.

To explain process automation again, this is an element of an IT system capable of (for example) logging into another system to find or input data, sending an email to chase down relevant data, or perhaps updating multiple systems. Appian says that when these one-off inefficiencies are automated billions of times, the savings add up.

According to Appian, “We’ve been working towards a revolutionary data infrastructure for years. This is a revolution in productivity. This is an economic revolution, a breakthrough made possible by the convergence of complementary process automation technologies.”

Ensured insurance

As part of its total approach to process automation, the company will this year (2023) release a specific service for the insurance industry. Appian Connected Underwriting will enable insurers to accelerate the underwriting process and Improve the customer experience by reducing time to quote and quickly integrating disparate data sources to create a single 360-degree view.

By combining process mining with workflow and automation, Appian explains that it is enabling users to rapidly mine Appian-based workflows to Improve efficiencies and continuously optimize them. The company has also recently announced two other new features in ‘beta’ release form i.e. available on at an advanced prototype level, often just to a selected group of users and still in some stages of development before final release candidate status and Release To Manufacturing (RTM) on the wider market.

These new services include a ‘savings scorecard’ that tracks and reports on the success of an organization’s process optimizations. By tracking savings over time, a business can monitor progress and highlight savings to management.

Appian users can now also accelerate their ability to mine data directly from Appian applications. Process mining typically requires significant data transformations, so with Appian Records, users can get hold of data with the click of a button. The suggestion here is that organizations will be able to spend more time discovering insights and less time manipulating and wrangling with data.

Into the new low-code motherlode

If they had to write the ‘what low-code did next’ story as of now at the start of 2023, they would surely be putting the rise of process automation and intelligent orchestration in there as the lead characters. This is the manifesto that Appian has used to explain and validate its development roadmap thus far - and as new industry and use-case-specific deployments now come to the fore, the story will no doubt unfold further.

One almost wonders, are these themes for connectivity to other sources and the more holistic approach to process automation a key part of Appian's so-called revolutionary data infrastructure strategy that will elevate this low-code specialist above the low-code hangers-on and pretenders?

Appian founder and CTO Michael Beckley says that, "Yes, that's a large part of it - and the Appian Data Fabric completes their vision of firms being able to access all the data they need, but now being also able to work with data in all the different ways required. With their data fabric approach, organizations are able to eliminate database code, but wider... they are also able to eliminate the need for data tuning because the data fabric handles the autonomic optimization of a system data throughput to support the applications and services an organization operates."

Beckley explains further and says that the Appian Data Fabric enables customers to combine information from different internal and external data sources that an organization may need but only has limited access to.

"With the Appian Data Fabric at the helm of an organization's information plane, a business is able to access both low-code and no-code functionalities to optimize the performance in ways that were never previously possible. This is the last critical point for next-generation data technology and it does indeed allow us to differentiate ourselves from other vendors out there, who are not able to offer an end-to-end data platform solution for modern distributed businesses today," added Appian's Beckley, speaking in a press briefing this January 2023.

The takeaway Appian would like us to go with here is simple - this is a good time for embrace the data fabric and process automation concept, especically given the fact that they are in a global economic downturn time where banks (for example) will need to make more risk-averse decisions and also be able to work in tighter regulatory environments in terms of compliance and, crucially, being able to implement a compliance framework with a more holistic data fabric beneath is a more comfortable proposition. While banking, financial services and insurance are key industries here, there is relevance across all business verticals from automotive to petrochemicals to life sciences retail and onwards and outwards.

This sector of the IT industry is still growing, hugely, but higher-level process automation and connectivity trends are now surfacing in the low-code & no-code motherlode.

Appian Enhances "One Appian" Global Partner Program Strategy for 2024

Enablement, alignment, and investment support accelerated partner success

LONDON, Nov. 15, 2023 /PRNewswire/ -- Appian (Nasdaq: APPN) today announced significant updates to its partner-focused growth strategy and the "One Appian" Global Partner Program for 2024. Appian is fully committed to its partner ecosystem as a strategic lever to further the company's position as "vendor of choice" for end-to-end process automation. The enhanced program empowers Appian partners to grow their businesses through a variety of routes to market aligned to their preferred business models, a simplified program structure, and "stackable" benefits across partnership tiers.

 "The 2024 enhancements to their partner program support the 'One Appian' go-to-market strategy I outlined at the beginning of the year. The program is focused on aligning combined resources and collective capabilities to foster greater collaboration in delivering outstanding customer experiences and business outcomes," said Chris Jones, Chief Revenue Officer at Appian. "We will increase customer value and net-new business by enabling their partners' go-to-market strategies and industry specialisations and providing unprecedented access to Appian resources, financial incentives, and tailored support."

The 2024 program provides a set of economic, relationship, sales, marketing, and technical benefits designed to support and recognise each partner's expertise, level of engagement with Appian, and commitment to customer success. These include financial benefits and value-based incentives tied to deal registration, new training paths, and the execution of joint marketing campaigns to help partners quickly create new business, generate qualified pipeline, and increase profitability.

The program features three partnership tiers: Authorised, Premier, and Elite. Financial incentives and stackable discounts and benefits increase with each program tier. As partners advance to higher tiers, they qualify for increased performance-based financial benefits and deeper levels of enablement from Appian.

New program benefits include:

Deal Registration: protects partners' sales investments with defined rules of engagement and increases partner profitability by providing predictable discounts, escalating incentives for registered deals and new logos, and provides the ability to resell to new customers identified and registered by partners in any market segment.

Pipeline Creation Support: provides more Appian resources dedicated to supporting partners' go-to-market activities, new sales tools to accelerate deal advancement, and Pipeline Acceleration Funding available earlier in the relationship to jump-start top-of-funnel pipeline creation.

Expanded Product Enablement: to help partners grow and mature their Appian practice enablement, programs now include Appian Fast Start to quickly ramp up new partners with free developer training and certifications; Appian Edge for partners upskilling and certifying practitioners holding eligible certifications on competitive platforms; Accelerated Senior Developer course offering a unique approach to learning while actively working on customer projects; and University Partnership support for Appian partners working with local schools interested in offering an Appian curriculum.

Jones continued, "Appian's 2024 Global Partner Program delivers on their commitment to partner success through enablement that elevates and empowers the partner experience, alignment to accelerate success together, and increased investment across their partnership tiers."

Learn more about the benefits of becoming an Appian partner.

About Appian

Appian is a software company that automates business processes. The Appian AI Process Platform includes everything you need to design, automate, and optimise even the most complex processes, from start to finish. The world's most innovative organisations trust Appian to Improve their workflows, unify data, and optimise operations—resulting in better growth and superior customer experiences. For more information, visit appian.com. [Nasdaq: APPN]

Follow Appian: Twitter, LinkedIn.

Follow Appian UK: Twitter, LinkedIn.

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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 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.


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:


  • 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


  • 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