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 : AD01
Exam Name : Blue Prism Developer
Vendor Name : Blue-Prism
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Achieving Partner Certification is a requirement of the Blue Prism Engage Partner Program and any partners that do not achieve the minimum requirements will need to make an appeal to their program teams. They want to reward those partners that make the investment in achieving the Partner Certifications and so you can expect the following.

Increasingly customers are wanting to work only with certified
partners which is why they have made this a requirement within the first
year of being a Blue Prism partner. Their Partner Locator tool will be the
primary source of information for customers to identify partners to
provide support for their connected-RPA initiatives.

CAPABILITY PROVIDER - Partners that help build scalable, resilient

Blue Prism connected-RPA capabilities for clients using accredited

Blue Prism resources.

• DELIVERY PROVIDER - Partners that deliver successful

Blue Prism connected-RPA client projects using accredited

Blue Prism resources.

• SERVICE PROVIDER - Partners that provide scalable, resilient proven

Blue Prism connected-RPA capabilities as a managed service for clients using accredited Blue Prism resources.

The relevant criteria for your certification will be defined by which of
the three types youre being assessed on – but youre not limited to just
one type. Partners can be certified as Capability, Delivery, and Service
providers, once the relevant certification has been achieved.

We have three levels of certification - Platinum, Gold and Silver - which
reflect the level of quality a Partner has/can provide. Platinum is the
highest level, reflecting where a Partner has demonstrated
exceptional customer success, and a has maintained an all-encompassing base of highly qualified, accredited Blue Prism resources.

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Blue-Prism Blue Study Guide


The Guide to Blue Basic on JetBlue

Want to get somewhere for cheap? Basic economy fares promise to do just that, unbundling the benefits of regular economy tickets like carry-on baggage, seat selection and standard boarding. Blue Basic is JetBlue Airways’ version of a basic economy fare, and while it promises to get you to your destination, it doesn’t offer much else.

Let’s take a look at Blue Basic on JetBlue, how to book this type of ticket and ways to get good value when flying Blue Basic.

What is Blue Basic on JetBlue?

Those who purchase a Blue Basic ticket can expect a no-frills experience, though they’ll still be seated in standard economy class seats.

Here's what to expect with a Blue Basic ticket:

  • Baggage allowance: Those flying in Blue Basic are only allowed a personal item, with the exception of travelers heading to or from London. These transatlantic flights allow both a personal item and a carry-on bag.

  • Boarding: Blue Basic customers board the plane last, behind everyone else.

  • Check-in: Like regular economy customers, Blue Basic travelers will use the economy check-in line.

  • Seats: Economy class seats are up to 18.4 inches wide and will vary depending on the aircraft you’re flying. Expect seat pitch to be anywhere from 32 to 34 inches. Blue Basic passengers can pay to select a seat before check-in.

  • Baggage delivery: Blue Basic passengers will have their bags delivered at the same time as other economy class bags.

  • Food: All passengers receive free snacks and drinks when flying with JetBlue, including those with a Blue Basic ticket.

  • Changes and cancellations: Unlike JetBlue’s other seats, Blue Basic fares incur a fee if you need to change or cancel your ticket. You’ll pay $100 for flights in North and Central America and the Caribbean and $200 for flights elsewhere. For same-day switches, you’ll pay a $75 fee and no fare difference, similar to other JetBlue fares.

  • What is the difference between JetBlue Basic and Blue?

    There are several differences between a JetBlue Blue Basic and Blue fare, but the most consequential is likely the flexibility to change or cancel your ticket. JetBlue Blue Basic fares cost $100 to modify for flights within North America, Central America and the Caribbean, or $200 for other routes, whereas Blue fares can be changed for no fee.

    Other differences include:

  • Carry-on bags are not allowed with Blue Basic tickets (except for flights to/from London), while Blue fares are allotted one, regardless of route.

  • Advanced seat selection is an added fee for Blue Basic fares, whereas it's included for Blue fares.

  • Blue Basic tickets board last.

  • Blue Basic tickets earn 1 base TrueBlue point per dollar spent, as well as 1 TrueBlue point as part of its online booking bonus. Blue fares and above, meanwhile, earn 3 TrueBlue points per dollar in either scenario.

  • Similarities across both fares include:

  • Both ticket types include one personal item, but no checked bags.

  • Both charge a $75 fee for same-day switches or standby.

  • Blue Basic and Blue fares charge extra for expedited security access through the airline's Even More Speed program.

  • How to book a Blue Basic JetBlue ticket

    Blue Basic tickets are available on all flights that JetBlue operates. Booking these tickets is simple, whether you’re paying with cash or redeeming your points.

    First, you’ll want to navigate to JetBlue’s homepage at Jetblue.com.

    From here, you can enter your desired flight route and dates. If using points, you can also tick the box titled “Use TrueBlue points.”

    You’ll then be presented with the results of your search, which default to displaying Blue Basic pricing.

    If you’re looking for other types of fares, you can toggle the search results on the left side of the page. Here you can compare Blue Basic versus Blue Plus, Blue Extra or Blue to see pricing and what each tier offers.

    Once you’ve selected your preferred flight, you’ll be prompted with a notice that reviews all of the restrictions for Blue Basic tickets. You’ll need to acknowledge this before moving on with your booking.

    You’ll then be taken through the checkout process, where you’ll verify your flight information and enter your traveler details.

    During this step, you’ll also be able to select seats, add a checked bag, opt for priority security screening or add a pet booking.

    All of these options incur an additional fee. The amount you’ll pay for a specific seat assignment will depend on where you’re sitting, as the example shows below.

    Once you’ve selected or declined these options, you’ll be able to pay for and book your ticket.

    Ways to get good value on JetBlue flights

    If you’re booking a Blue Basic ticket, you’re likely interested in getting a good price for your flight. Here are several other ways to find value when flying JetBlue, from transferring points to earning elite status, to looking at other fare options.

    Find cheap cash flights

    JetBlue operates on a dynamic pricing system for its reward flights. This means that the number of points you’ll redeem will be directly tied to the cash price of a flight. Your best bet for good value — whether with cash or TrueBlue points — is to find a cheap cash flight.

    To do so, flexibility is key, but so is knowing when to look for inexpensive fares. For example, NerdWallet’s research shows flying midweek is often cheaper than taking a weekend trip, and booking farther in advance can also get you more savings.

    Transfer in your points

    JetBlue partners with three different flexible point currencies, which means it’s easy to earn plenty of TrueBlue points. Each currency values its points slightly differently when it comes to transferring them to JetBlue:

    These three partners feature multiple points-earning cards that come with the following welcome offers:

  • Chase Sapphire Reserve®: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

  • Citi Premier® Card: Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spend on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.

  • Chase Sapphire Preferred® Card: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

  • American Express® Gold Card: Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership. Terms Apply.

  • By signing up for one or more of these travel cards, you can get a good start on earning enough points for an award ticket on a JetBlue flight.

    Earn elite status

    JetBlue has foure tiers of Mosaic elite status: Mosaic 1 through Mosaic 4. Those with elite status on JetBlue receive a bevy of benefits, including free checked bags, complimentary premium seats and extra bonus points when flying.

    Here’s an overview of the perks that the first tier of Mosaic elite members enjoy when flying JetBlue:

  • Additional 3x points on JetBlue flights.

  • Free in-flight alcoholic beverages.

  • Free same-day Even More Space seat, if available.

  • Priority security and check-in lanes.

  • Early boarding and a dedicated boarding lane.

  • Waived fees on same-day changes and standbys.

  • Holding elite status with JetBlue almost entirely negates the pain points of flying in basic economy, though you’ll still need to pay for seat selection more than 24 hours in advance.

    🤓Nerdy Tip

    In addition to Mosaic status holders, active duty military members and unaccompanied minors are always able to bring a carry-on bag, even when flying Blue Basic.

    Book an Even More Space seat

    If you’re already planning on paying for a seat with your Blue Basic ticket, you may want to consider springing for the Even More Space add-on. In addition to extra legroom, these tickets come with several different benefits that are especially useful for those flying basic economy:

  • Early access to overhead bins.

  • Even More Speed security lane.

  • All JetBlue flights feature these Even More Space seats, though the cost will vary depending on your specific flight.

    How does JetBlue basic economy compare with other airlines?

    In NerdWallet's annual analysis of best airlines, JetBlue ranked in the middle of the pack in terms of best basic economy tickets for travelers. It beat out heavy-hitters like Delta and United, but placed behind American and Alaska.

    We compared all of the full-service U.S.-based airlines' basic economy tickets and rated them on a scale of 1 to 5, with 5 being the highest.

    JetBlue's ability to cancel or make changes basic economy fares for a fee helped it stand out (in a good way) among other airlines, most of which do not allow changes at all. Otherwise, the restrictions on JetBlue basic economy tickets are pretty standard. The airline's score was negatively impacted by the inability to bring a carry-on bag that goes in the overhead bins. Blue Basic fares only include one carry-on item that fits under the seat.

    Blue Basic on JetBlue, recapped

    Blue Basic isn’t for everyone. Although it’s cheap, it also features several restrictions. These include the lack of a carry-on bag, boarding the plane last and fees when changing or canceling your ticket.

    However, there are ways to extract good value out of these basic economy tickets, especially if you’re a JetBlue elite member. Otherwise, buying an Even More Space seat will entitle you to a few extra perks — just be sure to find a cheap cash flight to maximize your value.

    How to maximize your rewards

    You want a travel credit card that prioritizes what’s important to you. Here are their picks for the best travel credit cards of 2023, including those best for:

    Blue light-blocking glasses may not protect eyes or Improve sleep: study

    Blue light eyewear enthusiasts might be seeing red after this.

    Glasses that claim to shield your eyes from screens’ blue light and supposedly help you get better shut-eye may not provide much benefit at all — other than elevating your accessories.

    A new study, published Friday in the Cochrane Database of Systematic Reviews, found that blue light glasses may not provide relief or protection from computer-induced eye strain nor Improve sleep.

    Experts have long claimed that blue light emitted from tablets, smartphones, televisions and computer screens could be damaging to the skin and eyes, potentially resulting in wrinkles, headaches, dry eyes and poor sleep.

    American adults spend hours upon hours staring at screens each day — whether for work or pleasure — and blue light-filtering specs promise protection and relief from the screens’ rays.

    But the accurate exam of blue light-filtering glasses has questioned their effectiveness.

    “Over the past few years, there has been substantial debate about whether blue-light filtering spectacle lenses have merit in ophthalmic practice,” study author and associate professor Laura Downie said in a statement.

    “Research has shown that these lenses are frequently prescribed to patients in many parts of the world, and a range of marketing claims exist about their potential benefits, including that they may reduce eye strain associated with digital device use, Improve sleep quality and protect the retina from light-induced damage.”

    Person wearing blue light glasses The researchers did not find substantial evidence to support the effectiveness of blue light specs. Getty Images/iStockphoto

    In collaboration with City, University of London and Monash University, researchers from the University of Melbourne reviewed 17 randomized controlled trials of blue light glasses comprised of five to 156 participants in each.

    The team analyzed the individual studies of the glasses for visual performance, retina protection and sleep quality improvement compared to non-blue light filtering spectacles.

    “We found there may be no short-term advantages with using blue-light filtering spectacle lenses to reduce visual fatigue associated with computer use, compared to non-blue-light filtering lenses,” Downie said.

    The effects of sleep and vision quality were “unclear” in the researchers’ exam, she added, and they could not draw conclusions about the long-term “potential effects on retinal health.”

    The University of Melbourne report didn’t find any serious side effects from wearing the specs, only mild consequences such as headaches or discomfort similar to wearing non-blue light glasses.

    But still, the findings did “not support the prescription of blue-light filtering lenses to the general population,” Downie added.

    “People should be aware of these findings when deciding whether to purchase these spectacles.”

    Due to the “short follow-up period,” researchers were unable to accurately determine the long-term effects of wearing blue light glasses, prompting calls for further research from study author and postdoctoral research fellow Dr. Sumeer Singh.

    “They should examine whether efficacy and safety outcomes vary between different groups of people and using different types of lenses,” said Singh.

    Already, lights from screens amount to “a thousandth of what they get from natural daylight,” and blue light glasses only filter out 10% to 25% of it.

    “Filtering out higher levels of blue light would require the lenses to have an obvious amber tint, which would have a substantial effect on color perception,” Singh said.


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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