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 : ACP-620
Exam Name : Managing Jira Cloud Projects
Vendor Name : Atlassian
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ACP-620 exam Format | ACP-620 Course Contents | ACP-620 Course Outline | ACP-620 exam Syllabus | ACP-620 exam Objectives
Exam Specification: ACP-620 Managing Jira Cloud Projects
Exam Name: ACP-620 Managing Jira Cloud Projects
Exam Code: ACP-620
Exam Duration: 2 hours
Passing Score: 65%
Exam Format: Multiple-choice
Exam Delivery: Online proctored exam
Course Outline:
1. Introduction to Jira Cloud Projects
- Overview of Jira Cloud and its project management capabilities
- Understanding the key features and functionalities of Jira Cloud Projects
- Exploring the benefits of using Jira Cloud for project management
2. Creating and Configuring Jira Cloud Projects
- Setting up new Jira Cloud Projects
- Configuring project settings and permissions
- Defining custom fields, workflows, and issue types
3. Managing Project Boards and Workflows
- Creating and configuring Agile boards and Scrum boards
- Customizing workflows and statuses for project management
- Implementing agile methodologies and best practices
4. Collaboration and Communication in Jira Cloud Projects
- Managing project teams and assigning roles
- Using Jira Cloud features for collaboration and communication
- Integrating Jira Cloud with other collaboration tools
5. Reporting and Metrics in Jira Cloud Projects
- Generating project reports and dashboards
- Tracking and analyzing project metrics and KPIs
- Utilizing Jira Cloud analytics for project insights
6. Automation and Advanced Features in Jira Cloud Projects
- Automating tasks and processes using Jira Cloud automation
- Leveraging advanced features and plugins for enhanced project management
- Implementing best practices for efficient project management in Jira Cloud
Exam Objectives:
1. Understand the features and capabilities of Jira Cloud for project management.
2. Create and configure Jira Cloud Projects according to project requirements.
3. Manage project boards and workflows using Agile methodologies.
4. Collaborate and communicate effectively within Jira Cloud Projects.
5. Generate reports and track project metrics in Jira Cloud.
6. Utilize automation and advanced features for efficient project management in Jira Cloud.
Exam Syllabus:
Section 1: Introduction to Jira Cloud Projects (10%)
- Overview of Jira Cloud and its project management capabilities
- Key features and functionalities of Jira Cloud Projects
- Benefits of using Jira Cloud for project management
Section 2: Creating and Configuring Jira Cloud Projects (20%)
- Setting up new Jira Cloud Projects
- Configuring project settings and permissions
- Defining custom fields, workflows, and issue types
Section 3: Managing Project Boards and Workflows (25%)
- Creating and configuring Agile boards and Scrum boards
- Customizing workflows and statuses for project management
- Implementing agile methodologies and best practices
Section 4: Collaboration and Communication in Jira Cloud Projects (15%)
- Managing project teams and assigning roles
- Using Jira Cloud features for collaboration and communication
- Integrating Jira Cloud with other collaboration tools
Section 5: Reporting and Metrics in Jira Cloud Projects (15%)
- Generating project reports and dashboards
- Tracking and analyzing project metrics and KPIs
- Utilizing Jira Cloud analytics for project insights
Section 6: Automation and Advanced Features in Jira Cloud Projects (15%)
- Automating tasks and processes using Jira Cloud automation
- Leveraging advanced features and plugins for enhanced project management
- Implementing best practices for efficient project management in Jira Cloud
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Atlassian Projects guide
Top Deployment Management Tools for DevOpsDeployment management tools play a significant role in the CI/CD pipeline and can help developers, project managers and engineers save time with many tasks. This guide will discuss the following top deployment management tools for DevOps in terms of their features, pros, cons and pricing: Jump to: Travis CITrue to its name, Travis CI is a user-friendly continuous integration tool that helps developers code faster and deploy with confidence, thanks to built-in code checkers and code reviews. Features of Travis CITravis CI’s features are highlighted by: Travis CI is a highly flexible DevOps tool that allows developers to run and test simultaneously in different environments and build in Windows, Linux, and macOS. It supports 30-plus coding languages with its build matrix and connects with Bitbucket, GitHub and other DevOps tools. Travis CI also has automated code review to ensure quality, single-command automations for validation, integration and deployment, and integrates with programmer tools like AWS, Perforce, Docker, Slack and more. Pros of Travis CIThe pros of Travis CI include: The many cloud-based pricing plans from Travis CI give project managers and developers avenues to minimize setup and maintenance versus having to host the software themselves. Beyond minimizing setup and maintenance through its cloud options, Travis CI also minimizes code by supposedly requiring one-third less code than its competitors. This can increase productivity and development speed. Cons of Travis CIThe cons of Travis CI include: Travis CI is somewhat limited in terms of its customization options. Not having a free plan is another disadvantage of the deployment management tool. Lastly, Travis CI’s customer support is reportedly slow at times. Pricing of Travis CITravis CI gives software development teams plenty of pricing plans to choose from. The deployment management tool’s pricing is split amongst self-hosted and cloud plans. There is one available self-hosted plan that offers premium support, plus Perforce and Subversion CI/CD: And there are five cloud plans, all with a free trial: All of Travis CI’s cloud plans offer unlimited collaborators, build minutes and repositories. Bootstrap was made for hobby projects, while Startup caters best to small software development teams. The Small Business plan is ideal for growing teams, Premium is geared towards large teams and Platinum offers ultimate scale. You can learn more about Travis CI by memorizing their Travis CI DevOps Tool Review. New RelicNew Relic is a deployment management solution for DevOps that specializes in offering real-time monitoring and analytics for applications. With it, project managers, DevOps engineers, and developers can gain critical insight into application performance and pinpoint problems before they become major issues. Features of New RelicSome of New Relic’s top features include: New Relic’s AI-powered anomaly detection can detect deviations in behavior and alert DevOps teams so they can fix issues fast. The deployment management tool also offers various types of monitoring (infrastructure, network, model performance, mobile, browser, etc.), team collaboration built-in, and integrations with over 600 popular programmer tools. Pros of New RelicNew Relic’s strengths as a DevOps tool include: New Relic offers multiple monitoring capabilities that project managers and developers can use to their advantage. The AI-powered anomaly detection does a great job of alerting users about deviations in performance. Plus, New Relic is highly-scalable. The developer tool also integrates smoothly with many third-party DevOps tools for added functionality. Cons of New RelicNew Relic’s areas where it could Improve include: Some users have complained that New Relic’s price is too high. The interface has been cited as confusing or clunky to use, and some may find the DevOps tool complex to use, at least in the beginning. While being chock full of features may be a pro in some eyes, others have said that they experienced feature overload with New Relic. Pricing of New RelicNew Relic’s pricing is set up so project managers and developers only pay for what they use. Each of the DevOps tool’s plans unlocks all features, plus unlimited basic users (at no cost), hosts and CPUs, 100GB of free data ingested per month, querying capabilities, dashboards, custom charts, alerts and notifications. Here are New Relic’s pricing plans. Each plan also has monthly data costs of $.30/GB beyond the 100GB free limit for original data ingest and $0.50/GB beyond the 100GB free limit for Data Plus data ingest. SEE: Tips and tricks for monitoring AWS with New Relic DynatraceDynatrace is a DevOps deployment tool that offers AI-powered automation, superb infrastructure monitoring, distributed tracing, and third-party integrations. Features of DynatraceDynatrace’s features include: AIOps uses machine learning models to power time-saving automation. Dynatrace also offers monitoring, distributed tracing, application security and application lifecycle management. The DevOps tool integrates with the top cloud computing platforms, allowing developers to use it to monitor Google Cloud Compute, AWS, Azure and more. Pros of DynatraceDynatrace’s pros include: Dynatrace offers superb flexibility by integrating with multiple cloud computing platforms, test automation frameworks and more. Its centralized dashboards offer detailed insights at a glance with regards to application performance, and the analytics and reporting are top-notch. Dynatrace’s application performance monitoring is also among the best in the business. Cons of DynatraceOn the other hand, Dynatrace’s cons include: Dynatrace’s user interface is not the most intuitive, making it harder to use the DevOps tool right out of the box. Its many features and non-intuitive interface make it complex deployment management software with a steep learning curve. Some have said that Dynatrace’s price is high compared to similar programmer tools, and others have noted a lack of documentation. Pricing of DynatraceDynatrace claims to offer the only hourly pricing in the entire industry. The DevOps tool’s pricing is divided according to category, such as automation, platform extensions, host monitoring, digital experience monitoring, application security, Logs powered by Grail, Events powered by Grail, etc. Within each category, there are separate costs as well. Click here to see Dynatrace’s complete pricing rate card. Atlassian Open DevOpsAtlassian Open DevOps is a flexible, full-featured deployment tool that integrates seamlessly with other Atlassian tools like Jira, Bitbucket, and Confluence. Features of Atlassian Open DevOpsAtlassian Open DevOps top features include: Since it brings together various Atlassian products, Open DevOps offers a bit of everything to each member of your team, covering the entire software development lifecycle. As such, you can enjoy a complete list of capabilities that includes project management, software development, Agile planning, issue tracking, CI/CD deployments, source code management and integrations with not only Atlassian tools, but also other DevOps tools like CircleCI, Jenkins, and more. Pros of Atlassian Open DevOpsThe advantages of Atlassian Open DevOps include: Smaller development teams of up to 10 users (or five if you use Bitbucket) will enjoy free access to Atlassian Open DevOps. The deployment management software also integrates seamlessly with other DevOps tools and is highly flexible. Beyond those pros, Open DevOps comes packed with features to help developers thrive. Cons of Atlassian Open DevOpsThe disadvantages of Atlassian Open DevOps include: Getting used to Atlassian Open DevOps can take some time, especially with the interface that some say is difficult to navigate. While it does come with plenty of features, Open DevOps may seem overwhelming and is best suited to users with plenty of technical expertise or coding experience. Pricing of Atlassian Open DevOpsUp to 10 users can access Atlassian Open DevOps for free on Jira, Confluence and Opsgenie. That number drops to up to five users on Bitbucket. If more users want to access Open DevOps via any of the above products, you will have to upgrade to a paid plan for that particular product. For example, if your team has over 10 users who want to access Atlassian Open DevOps through Jira Software, you will need to upgrade to a Jira paid plan. Jira’s plans are as follows: If you had 11 users needing access to Open DevOps through Jira, upgrading to the Standard plan would suffice. Choose a subscription to Confluence, Opsgenie, Bitbucket, etc., to gain access to Open DevOps and pricing will differ. You can learn more about Atlassian Open DevOps pricing here. What to look for in deployment management softwareThere are several deployment management software solutions on the market. To pick the right DevOps tool for your deployment management needs, look for one with an intuitive interface that is user-friendly and — hopefully — modern. Pick a deployment management tool with solid customer support. If it has a large following or online community, that is a bonus that can help with added support, resources and possible extensibility. The ideal deployment management software should have several third-party integrations with popular developer tools for added functionality, and it should also have essential features like infrastructure such as code, time-saving automation, version control and change management, incident management and monitoring. Final Thoughts on deployment management tools for DevOpsThe deployment management tools listed in this guide are some of the best available. Before deciding on one, make sure the DevOps tool has the features your software development team needs and that it fits your budget. SEE: What is DevOps? A Guide. Atlassian (TEAM) to Report Q4 Earnings: What's in the Offing?Atlassian TEAM is scheduled to report fourth-quarter fiscal 2023 results on Aug 3. Atlassian projects fiscal fourth-quarter revenues between $900 million and $920 million ($910 million at the midpoint). The Zacks Consensus Estimate for revenues is pegged at $911.2 million, suggesting growth of 19.9% from the year-ago reported figure. For fourth-quarter earnings, the Zacks Consensus Estimate is pegged at 43 cents per share, implying a 59.3% increase from 27 cents reported in the year-ago period. Atlassian surpassed the Zacks Consensus Estimate in three of the trailing four quarters while missing the same on one occasion, the average surprise being 26.9%. Let’s see how things have shaped up before this announcement. Atlassian Corporation PLC Price and EPS SurpriseAtlassian Corporation PLC price-eps-surprise | Atlassian Corporation PLC Quote Key Factors to NoteThe rising adoption of TEAM’s cloud-based solutions and the massive digitalization trend in organizations, along with the growing hybrid working trend, are likely to have favored the company’s fiscal fourth-quarter performance. The growing demand for Atlassian’s cloud products from new and existing clients using on-premises products might have acted as a tailwind. Our estimate for revenues from Cloud deployment is pegged at $554.3 million, indicating a 27.7% increase from the year-ago quarter. Revenues from Data Center deployment are anticipated to grow 38.1% year over year to $219.5 million. The increasing traction for core products like Jira Software and Confluence Cloud and the rising adoption of new products like Jira Service Management may have acted as key catalysts. An improvement in product quality and performance, multiple product launches and increased pricing are also likely to have boosted the firm’s performance. Atlassian’s latest focus on adding AI features to some of its collaboration software is likely to have driven the fourth-quarter top line. In April 2023, the company collaborated with OpenAI to enhance the capabilities of its Confluence, Jira Service Management and other programs with generative AI features. Story continues Robust growth in subscription revenues, aided by the solid uptake of the company’s subscription-based offerings, is likely to be reflected in the to-be-reported quarter’s results. Their estimate of $764.5 million for the Subscription segment’s revenues indicates massive 28% year-over-year growth. A large number of customers are opting for cloud offerings amid the ongoing cloud migration. Such new additions and increased pricing on certain products contributed to the company’s quarterly revenues. Their estimate suggests that TEAM is likely to have ended the fourth quarter with 266,330 customers, which will be a significant improvement of 9.8% year over year and 2.5% sequentially. Additionally, Atlassian’s sustained focus on cost savings is likely to have boosted the fourth-quarter bottom line. The company expects that its March 2023 announced restructuring actions, which include a reduction of lease-related expenses and total workforce by 5% or 500 employees, will benefit the fourth-quarter operating income by $20 million. What Their Model SaysOur proven model does not conclusively predict an earnings beat for Atlassian this season. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the chances of an earnings beat. However, that’s not the case here. Though TEAM currently carries a Zacks Rank of 3, it has an Earnings ESP of 0.00%. You can uncover the best stocks to buy or sell before they’re reported with their Earnings ESP Filter. Stocks With the Favorable CombinationPer their model, NVIDIA NVDA, Apple AAPL and Alibaba BABA have the right combination of elements to post an earnings beat in their upcoming releases. NVIDIA is slated to report second-quarter fiscal 2024 results on Aug 23. The company sports a Zacks Rank #1 and has an Earnings ESP of +5.56% at present. NVDA’s earnings beat the Zacks Consensus Estimate twice in the trailing four quarters while missing the same on two occasions, the average surprise being 0.3%. You can see the complete list of today’s Zacks #1 Rank stocks here. The Zacks Consensus Estimate for second-quarter earnings is pegged at $2.06 per share, suggesting a whopping increase of 303.9% from the year-ago quarter’s earnings of 51 cents. NVIDIA’s quarterly revenues are estimated to increase 64.4% year over year to $11.02 billion. Apple carries a Zacks Rank #3 and has an Earnings ESP of +0.66%. The company is scheduled to report third-quarter fiscal 2023 results on Aug 3. Its earnings beat the Zacks Consensus Estimate thrice in the preceding four quarters while missing the same on one occasion, with the average surprise being 2.7%. The Zacks Consensus Estimate for Apple’s third-quarter earnings stands at $1.19 per share, a penny lower than the year-ago quarter. It is estimated to report revenues of $81.26 billion, which suggests a decrease of approximately 2.1% from the year-ago quarter. Alibaba carries a Zacks Rank #2 and has an Earnings ESP of +6.19%. The company is scheduled to report first-quarter fiscal 2024 results on Aug 10. Its earnings surpassed the Zacks Consensus Estimate in the trailing four quarters, the average surprise being 16.9%. The Zacks Consensus Estimate for BABA’s first-quarter earnings is pegged at $1.90 per share, indicating a year-over-year increase of 8.6%. The consensus mark for revenues stands at $31.01 billion, suggesting a year-over-year rise of 1%. Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar. Want the latest recommendations from Zacks Investment Research? Today, you can get 7 Best Stocks for the Next 30 Days. Click to get this free report Apple Inc. (AAPL) : Free Stock Analysis Report NVIDIA Corporation (NVDA) : Free Stock Analysis Report Alibaba Group Holding Limited (BABA) : Free Stock Analysis Report Atlassian Corporation PLC (TEAM) : Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research Atlassian (TEAM) to Report Q4 Earnings: What's in the Offing?Atlassian TEAM is scheduled to report fourth-quarter fiscal 2023 results on Aug 3. Atlassian projects fiscal fourth-quarter revenues between $900 million and $920 million ($910 million at the midpoint). The Zacks Consensus Estimate for revenues is pegged at $911.2 million, suggesting growth of 19.9% from the year-ago reported figure. For fourth-quarter earnings, the Zacks Consensus Estimate is pegged at 43 cents per share, implying a 59.3% increase from 27 cents reported in the year-ago period. Atlassian surpassed the Zacks Consensus Estimate in three of the trailing four quarters while missing the same on one occasion, the average surprise being 26.9%. Let’s see how things have shaped up before this announcement. Atlassian Corporation PLC Price and EPS SurpriseAtlassian Corporation PLC price-eps-surprise | Atlassian Corporation PLC Quote Key Factors to NoteThe rising adoption of TEAM’s cloud-based solutions and the massive digitalization trend in organizations, along with the growing hybrid working trend, are likely to have favored the company’s fiscal fourth-quarter performance. The growing demand for Atlassian’s cloud products from new and existing clients using on-premises products might have acted as a tailwind. Our estimate for revenues from Cloud deployment is pegged at $554.3 million, indicating a 27.7% increase from the year-ago quarter. Revenues from Data Center deployment are anticipated to grow 38.1% year over year to $219.5 million. The increasing traction for core products like Jira Software and Confluence Cloud and the rising adoption of new products like Jira Service Management may have acted as key catalysts. An improvement in product quality and performance, multiple product launches and increased pricing are also likely to have boosted the firm’s performance. Atlassian’s latest focus on adding AI features to some of its collaboration software is likely to have driven the fourth-quarter top line. In April 2023, the company collaborated with OpenAI to enhance the capabilities of its Confluence, Jira Service Management and other programs with generative AI features. Story continues Robust growth in subscription revenues, aided by the solid uptake of the company’s subscription-based offerings, is likely to be reflected in the to-be-reported quarter’s results. Their estimate of $764.5 million for the Subscription segment’s revenues indicates massive 28% year-over-year growth. A large number of customers are opting for cloud offerings amid the ongoing cloud migration. Such new additions and increased pricing on certain products contributed to the company’s quarterly revenues. Their estimate suggests that TEAM is likely to have ended the fourth quarter with 266,330 customers, which will be a significant improvement of 9.8% year over year and 2.5% sequentially. Additionally, Atlassian’s sustained focus on cost savings is likely to have boosted the fourth-quarter bottom line. The company expects that its March 2023 announced restructuring actions, which include a reduction of lease-related expenses and total workforce by 5% or 500 employees, will benefit the fourth-quarter operating income by $20 million. What Their Model SaysOur proven model does not conclusively predict an earnings beat for Atlassian this season. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the chances of an earnings beat. However, that’s not the case here. Though TEAM currently carries a Zacks Rank of 3, it has an Earnings ESP of 0.00%. You can uncover the best stocks to buy or sell before they’re reported with their Earnings ESP Filter. Stocks With the Favorable CombinationPer their model, NVIDIA NVDA, Apple AAPL and Alibaba BABA have the right combination of elements to post an earnings beat in their upcoming releases. NVIDIA is slated to report second-quarter fiscal 2024 results on Aug 23. The company sports a Zacks Rank #1 and has an Earnings ESP of +5.56% at present. NVDA’s earnings beat the Zacks Consensus Estimate twice in the trailing four quarters while missing the same on two occasions, the average surprise being 0.3%. You can see the complete list of today’s Zacks #1 Rank stocks here. The Zacks Consensus Estimate for second-quarter earnings is pegged at $2.06 per share, suggesting a whopping increase of 303.9% from the year-ago quarter’s earnings of 51 cents. NVIDIA’s quarterly revenues are estimated to increase 64.4% year over year to $11.02 billion. Apple carries a Zacks Rank #3 and has an Earnings ESP of +0.66%. The company is scheduled to report third-quarter fiscal 2023 results on Aug 3. Its earnings beat the Zacks Consensus Estimate thrice in the preceding four quarters while missing the same on one occasion, with the average surprise being 2.7%. The Zacks Consensus Estimate for Apple’s third-quarter earnings stands at $1.19 per share, a penny lower than the year-ago quarter. It is estimated to report revenues of $81.26 billion, which suggests a decrease of approximately 2.1% from the year-ago quarter. Alibaba carries a Zacks Rank #2 and has an Earnings ESP of +6.19%. The company is scheduled to report first-quarter fiscal 2024 results on Aug 10. Its earnings surpassed the Zacks Consensus Estimate in the trailing four quarters, the average surprise being 16.9%. The Zacks Consensus Estimate for BABA’s first-quarter earnings is pegged at $1.90 per share, indicating a year-over-year increase of 8.6%. The consensus mark for revenues stands at $31.01 billion, suggesting a year-over-year rise of 1%. Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar. Want the latest recommendations from Zacks Investment Research? Today, you can get 7 Best Stocks for the Next 30 Days. Click to get this free report Apple Inc. (AAPL) : Free Stock Analysis Report NVIDIA Corporation (NVDA) : Free Stock Analysis Report Alibaba Group Holding Limited (BABA) : Free Stock Analysis Report Atlassian Corporation PLC (TEAM) : Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research |
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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