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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ATTA test Format | ATTA Course Contents | ATTA Course Outline | ATTA test Syllabus | ATTA test Objectives
Exam ID : ATTA
Exam Title : Advanced Technical Test Analyst (ASTQB)
Number of Questions in test : 45
Passig Score : 65%
Exam Type : Multiple Choice Questions
- Summarize the generic risk factors that the Technical Test Analyst typically needs to consider.
- Summarize the activities of the Technical Test Analyst within a risk-based approach for testing activities.
- Write test cases from a given specification item by applying the Statement testing test technique to achieve a defined level of coverage.
- Write test cases from a given specification item by applying the Modified Condition/Decision Coverage (MC/DC) test technique to achieve coverage.
- Write test cases from a given specification item by applying the Multiple Condition testing test technique to achieve a defined level of coverage.
- Write test cases from a given specification item by applying McCabe's Simplified Baseline Method.
- Understand the applicability of API testing and the kinds of defects it finds.
- Select an appropriate white-box test technique according to a given project situation.
- Use control flow analysis to detect if code has any control flow anomalies.
- Explain how data flow analysis is used to detect if code has any data flow anomalies.
- Propose ways to Strengthen the maintainability of code by applying static analysis.
- Explain the use of call graphs for establishing integration testing strategies.
- Apply dynamic analysis to achieve a specified goal.
- For a particular project and system under test, analyze the non-functional requirements and write the respective sections of the test plan.
- Given a particular product risk, define the particular non-functional test type(s) which are most appropriate.
- Understand and explain the stages in an applications lifecycle where non-functional tests should be applied.
- For a given scenario, define the types of defects you would expect to find by using non-functional testing types.
- Explain the reasons for including security testing in a test strategy and/or test approach.
- Explain the principal aspects to be considered in planning and specifying security tests.
- Explain the reasons for including reliability testing in a test strategy and/or test approach.
- Explain the principal aspects to be considered in planning and specifying reliability tests.
- Explain the reasons for including performance testing in a test strategy and/or test approach.
- Explain the principal aspects to be considered in planning and specifying performance efficiency tests.
- Explain the reasons for including maintainability testing in a testing strategy and/or test approach.
- Explain the reasons for including portability tests in a testing strategy and/or test approach.
- Explain the reasons for compatibility testing in a testing strategy and/or test approach.
- Explain why review preparation is important for the Technical Test Analyst.
- Analyze an architectural design and identify problems according to a checklist provided in the syllabus.
- Analyze a section of code or pseudo-code and identify problems according to a checklist provided in the syllabus.
- Summarize the activities that the Technical Test Analyst performs when setting up a test automation project.
- Summarize the differences between data-driven and keyword-driven automation.
- Summarize common technical issues that cause automation projects to fail to achieve the planned return on investment.
- Construct keywords based on a given business process.
- Summarize the purpose of tools for fault seeding and fault injection.
- Summarize the main characteristics and implementation issues for performance testing tools.
- Explain the general purpose of tools used for web-based testing.
- Explain how tools support the practice of model-based testing.
- Outline the purpose of tools used to support component testing and the build process.
- Outline the purpose of tools used to support mobile application testing.
1. The Technical Test Analyst's Tasks in Risk-Based Testing
Keywords
product risk, risk exam, risk identification, risk mitigation, risk-based testing
Learning Objectives for The Technical Test Analyst's Tasks in Risk-Based Testing
Risk-based Testing Tasks
- Summarize the generic risk factors that the Technical Test Analyst typically needs to consider
- Summarize the activities of the Technical Test Analyst within a risk-based approach for testing activities
1.1 Introduction
The Test Manager has overall responsibility for establishing and managing a risk-based testing strategy. The Test Manager usually will request the involvement of the Technical Test Analyst to ensure the risk-based approach is implemented correctly.
Technical Test Analysts work within the risk-based testing framework established by the Test Manager for the project. They contribute their knowledge of the technical product risks that are inherent in the project, such as risks related to security, system reliability and performance.
1.2 Risk-based Testing Tasks
Because of their particular technical expertise, Technical Test Analysts are actively involved in the following risk-based testing tasks:
• Risk identification
• Risk exam
• Risk mitigation
These tasks are performed iteratively throughout the project to deal with emerging product risks and changing priorities, and to regularly evaluate and communicate risk status.
1.2.1 Risk Identification
By calling on the broadest possible sample of stakeholders, the risk identification process is most likely to detect the largest possible number of significant risks. Because Technical Test Analysts possess unique technical skills, they are particularly well-suited for conducting expert interviews, brainstorming with co-workers and also analyzing the current and past experiences to determine where the likely areas of product risk lie. In particular, Technical Test Analysts work closely with other stakeholders, such as developers, architects, operations engineers, product owners, local support offices, and service desk technicians, to determine areas of technical risk impacting the product and project. Involving other stakeholders ensures that all views are considered and is typically facilitated by Test Managers.
Risks that might be identified by the Technical Test Analyst are typically based on the [ISO25010] quality characteristics listed in Chapter 4, and include, for example:
• Performance efficiency (e.g., inability to achieve required response times under high load conditions)
• Security (e.g., disclosure of sensitive data through security attacks)
• Reliability (e.g., application unable to meet availability specified in the Service Level Agreement)
1.2.2 Risk Assessment
While risk identification is about identifying as many pertinent risks as possible, risk test is the study of those identified risks in order to categorize each risk and determine the likelihood and impact associated with it. The likelihood of occurrence is usually interpreted as the probability that the potential problem could exist in the system under test.
The Technical Test Analyst contributes to finding and understanding the potential technical product risk for each risk item whereas the Test Analyst contributes to understanding the potential business impact of the problem should it occur.
Project risks can impact the overall success of the project. Typically, the following generic project risks need to be considered:
• Conflict between stakeholders regarding technical requirements
• Communication problems resulting from the geographical distribution of the development organization
• Tools and technology (including relevant skills)
• Time, resource and management pressure
• Lack of earlier quality assurance
• High change rates of technical requirements
Product risk factors may result in higher numbers of defects. Typically, the following generic product risks need to be considered:
• Complexity of technology
• Complexity of code structure
• Amount of re-use compared to new code
• Large number of defects found relating to technical quality characteristics (defect history)
• Technical interface and integration issues
Given the available risk information, the Technical Test Analyst proposes an initial risk level according to the guidelines established by the Test Manager. For example, the Test Manager may determine that risks should be categorized with a value from 1 to 10, with 1 being highest risk. The initial value may be modified by the Test Manager when all stakeholder views have been considered.
1.2.3 Risk Mitigation
During the project, Technical Test Analysts influence how testing responds to the identified risks. This generally involves the following:
• Reducing risk by executing the most important tests (those addressing high risk areas) and by putting into action appropriate mitigation and contingency measures as stated in the test plan
• Evaluating risks based on additional information gathered as the project unfolds, and using that information to implement mitigation measures aimed at decreasing the likelihood or avoiding the impact of those risks
The Technical Test Analyst will often cooperate with specialists in areas such as security and performance to define risk mitigation measures and elements of the organizational test strategy. Additional information can be obtained from ISTQB® Specialist syllabi, such as the Advanced Level Security Testing syllabus [ISTQB_ALSEC_SYL] and the Foundation Level Performance Testing syllabus [ISTQB_FLPT_SYL].
2. White-box Test Techniques
Keywords
API testing, atomic condition, control flow testing, cyclomatic complexity, decision testing, modified condition/decision testing, multiple condition testing, path testing, short-circuiting, statement testing, white-box test technique
Learning Objectives for White-Box Testing
2.2 Statement Testing
TTA-2.2.1 (K3) Write test cases for a given specification item by applying the Statement test technique to achieve a defined level of coverage
Decision Testing
TTA-2.3.1 (K3) Write test cases for a given specification item by applying the Decision test technique to achieve a defined level of coverage
2.4 Modified Condition/Decision Coverage (MC/DC) Testing
TTA-2.4.1 (K3) Write test cases by applying the Modified Condition/Decision Coverage (MC/DC) test design technique to achieve a defined level of coverage
Multiple Condition Testing
TTA-2.5.1 (K3) Write test cases for a given specification item by applying the Multiple Condition test technique to achieve a defined level of coverage
2.6 Basis Path Testing
TTA-2.6.1 (K3) Write test cases for a given specification item by applying McCabes Simplified Baseline Method
2.7 API Testing
TTA-2.7.1 (K2) Understand the applicability of API testing and the kinds of defects it finds
2.8 Selecting a White-box Test Technique
TTA-2.8.1 (K4) Select an appropriate white-box test technique according to a given project situation
2.1 Introduction
This chapter principally describes white-box test techniques. These techniques apply to code and other structures, such as business process flow charts.
Each specific technique enables test cases to be derived systematically and focuses on a particular aspect of the structure to be considered. The techniques provide coverage criteria which have to be measured and associated with an objective defined by each project or organization. Achieving full coverage does not mean that the entire set of tests is complete, but rather that the technique being used no longer suggests any useful tests for the structure under consideration.
The following techniques are considered in this syllabus:
• Statement testing
• Decision testing
• Modified Condition/Decision Coverage (MC/DC) testing
• Multiple Condition testing
• Basis Path testing
• API testing
The Foundation Syllabus [ISTQB_FL_SYL] introduces Statement testing and Decision testing. Statement testing exercises the executable statements in the code, whereas Decision testing exercises the decisions in the code and tests the code that is executed based on the decision outcomes.
The MC/DC and Multiple Condition techniques listed above are based on decision predicates and broadly find the same types of defects. No matter how complex a decision predicate may be, it will evaluate to either TRUE or FALSE, which will determine the path taken through the code. A defect is detected when the intended path is not taken because a decision predicate does not evaluate as expected.
The first four techniques are successively more thorough (and Basis Path testing is more thorough than Statement and Decision testing); more thorough techniques generally require more tests to be defined in order to achieve their intended coverage and find more subtle defects.
2.2 Statement Testing
Statement testing exercises the executable statements in the code. Coverage is measured as the number of statements executed by the tests divided by the total number of executable statements in the test object, normally expressed as a percentage.
Applicability
This level of coverage should be considered as a minimum for all code being tested.
Limitations/Difficulties
Decisions are not considered. Even high percentages of statement coverage may not detect certain defects in the codes logic.
2.3 Decision Testing
Decision testing exercises the decisions in the code and tests the code that is executed based on the decision outcomes. To do this, the test cases follow the control flows that occur from a decision point (e.g., for an IF statement, one for the true outcome and one for the false outcome; for a CASE statement, test cases would be required for all the possible outcomes, including the default outcome).
Coverage is measured as the number of decision outcomes executed by the tests divided by the total
number of decision outcomes in the test object, normally expressed as a percentage.
Compared to the MC/DC and Multiple Condition techniques described below, decision testing considers the entire decision as a whole and evaluates the TRUE and FALSE outcomes in separate test cases.
Applicability
The most useful checklists are those gradually developed by an individual organization, because they reflect:
• The nature of the product
• The local development environment
o Staff
o Tools
o Priorities
• History of previous successes and defects
• Particular issues (e.g., performance efficiency, security)
Checklists should be customized for the organization and perhaps for the particular project. The checklists provided in this chapter are meant only to serve as examples.
Some organizations extend the usual notion of a software checklist to include “anti-patterns” that refer to common errors, poor techniques, and other ineffective practices. The term derives from the popular concept of “design patterns” which are reusable solutions to common problems that have been shown to be effective in practical situations [Gamma94]. An anti-pattern, then, is a commonly made error, often implemented as an expedient short-cut.
It is important to remember that if a requirement is not testable, meaning that it is not defined in such a way that the Technical Test Analyst can determine how to test it, then it is a defect. For example, a requirement that states “The software should be fast” cannot be tested. How can the Technical Test Analyst determine if the software is fast=> If, instead, the requirement said “The software must provide a maximum response time of three seconds under specific load conditions”, then the testability of this requirement is substantially better assuming the “specific load conditions” (e.g., number of concurrent users, activities performed by the users) are defined. It is also an overarching requirement because this one requirement could easily spawn many individual test cases in a non-trivial application. Traceability from this requirement to the test cases is also critical because if the requirement should change, all the test cases will need to be reviewed and updated as needed.
5.2.1 Architectural Reviews
Software architecture consists of the fundamental organization of a system, embodied in its components, their relationships to each other and the environment, and the principles governing its design and evolution. [ISO42010], [Bass03].
Checklists1 used for architecture reviews could, for example, include verification of the proper implementation of the following items, which are quoted from [Web-2]:
• “Connection pooling - reducing the execution time overhead associated with establishing database connections by establishing a shared pool of connections
• Load balancing – spreading the load evenly between a set of resources
• Distributed processing
• Caching – using a local copy of data to reduce access time
• Lazy instantiation
• Transaction concurrency
• Process isolation between Online Transactional Processing (OLTP) and Online Analytical Processing (OLAP)
• Replication of data”
5.2.2 Code Reviews
Checklists for code reviews are necessarily very detailed, and, as with checklists for architecture reviews, are most useful when they are language, project and company-specific. The inclusion of code-level anti-patterns is helpful, particularly for less experienced software developers.
Checklists1 used for code reviews could include the following items:.
1. Structure
• Does the code completely and correctly implement the design=>
• Does the code conform to any pertinent coding standards=>
• Is the code well-structured, consistent in style, and consistently formatted=>
• Are there any uncalled or unneeded procedures or any unreachable code=>
• Are there any leftover stubs or test routines in the code=>
• Can any code be replaced by calls to external reusable components or library functions=>
• Are there any blocks of repeated code that could be condensed into a single procedure=>
• Is storage use efficient=>
• Are symbolics used rather than “magic number” constants or string constants=>
• Are any modules excessively complex and should be restructured or split into multiple modules=>
2. Documentation
• Is the code clearly and adequately documented with an easy-to-maintain commenting style=>
• Are all comments consistent with the code=>
• Does the documentation conform to applicable standards=>
3. Variables
• Are all variables properly defined with meaningful, consistent, and clear names=>
• Are there any redundant or unused variables=>
4. Arithmetic Operations
• Does the code avoid comparing floating-point numbers for equality=>
• Does the code systematically prevent rounding errors=>
• Does the code avoid additions and subtractions on numbers with greatly different magnitudes=>
• Are divisors tested for zero or noise=>
5. Loops and Branches
• Are all loops, branches, and logic constructs complete, correct, and properly nested=>
• Are the most common cases tested first in IF-ELSEIF chains=>
• Are all cases covered in an IF-ELSEIF or CASE block, including ELSE or DEFAULT clauses=>
• Does every case statement have a default=>
• Are loop termination conditions obvious and invariably achievable=>
• Are indices or subscripts properly initialized, just prior to the loop=>
• Can any statements that are enclosed within loops be placed outside the loops=>
• Does the code in the loop avoid manipulating the index variable or using it upon exit from the loop=>
6. Defensive Programming
• Are indices, pointers, and subscripts tested against array, record, or file bounds=>
• Are imported data and input arguments tested for validity and completeness=>
• Are all output variables assigned=>
• Is the correct data element operated on in each statement=>
• Is every memory allocation released=>
• Are timeouts or error traps used for external device access=>
• Are files checked for existence before attempting to access them=>
• Are all files and devices left in the correct state upon program termination=>
6. Test Tools and Automation
Keywords capture/playback, data-driven testing, debugging, emulator, fault seeding, hyperlink, keyword-driven testing, performance efficiency, simulator, test execution, test management
Learning Objectives for Test Tools and Automation
6.1 Defining the Test Automation Project
TTA-6.1.1 (K2) Summarize the activities that the Technical Test Analyst performs when setting up a test automation project
TTA-6.1.2 (K2) Summarize the differences between data-driven and keyword-driven automation
TTA-6.1.3 (K2) Summarize common technical issues that cause automation projects to fail to achieve the planned return on investment
TTA-6.1.4 (K3) Construct keywords based on a given business process
6.2 Specific Test Tools
TTA-6.2.1 (K2) Summarize the purpose of tools for fault seeding and fault injection
TTA-6.2.2 (K2) Summarize the main characteristics and implementation issues for performance testing tools
TTA-6.2.3 (K2) Explain the general purpose of tools used for web-based testing
TTA-6.2.4 (K2) Explain how tools support the practice of model-based testing
TTA-6.2.5 (K2) Outline the purpose of tools used to support component testing and the build process
TTA-6.2.6 (K2) Outline the purpose of tools used to support mobile application testing
6.1 Defining the Test Automation Project
In order to be cost-effective, test tools (and particularly those which support test execution), must be carefully architected and designed. Implementing a test execution automation strategy without a solid architecture usually results in a tool set that is costly to maintain, insufficient for the purpose and unable to achieve the target return on investment.
A test automation project should be considered a software development project. This includes the need for architecture documentation, detailed design documentation, design and code reviews, component and component integration testing, as well as final system testing. Testing can be needlessly delayed or complicated when unstable or inaccurate test automation code is used.
There are multiple tasks that the Technical Test Analyst can perform regarding test execution automation. These include:
• Determining who will be responsible for the test execution (possibly in coordination with a Test Manager)
• Selecting the appropriate tool for the organization, timeline, skills of the team, and maintenance requirements (note this
could mean deciding to create a tool to use rather than acquiring one)
• Defining the interface requirements between the automation tool and other tools such as the test management, defect management and tools used for continuous integration
• Developing any adapters which may be required to create an interface between the test execution tool and the software under test
• Selecting the automation approach, i.e., keyword-driven or data-driven (see Section 6.1.1 below)
• Working with the Test Manager to estimate the cost of the implementation, including training. In Agile projects this aspect would typically be discussed and agreed in project/sprint planning meetings with the whole team.
• Scheduling the automation project and allocating the time for maintenance
• Training the Test Analysts and Business Analysts to use and supply data for the automation
• Determining how and when the automated tests will be executed
• Determining how the automated test results will be combined with the manual test results
In projects with a strong emphasis on test automation, a Test Automation Engineer may be tasked with many of these activities (see the Advanced Level Test Automation Engineer syllabus [ISTQB_ALTAE_SYL] for details). Certain organizational tasks may be taken on by a Test Manager according to project needs and preferences. In Agile projects the assignment of these tasks to roles is typically more flexible and less formal.
These activities and the resulting decisions will influence the scalability and maintainability of the automation solution. Sufficient time must be spent researching the options, investigating available tools and technologies and understanding the future plans for the organization.
6.1.1 Selecting the Automation Approach
This section considers the following factors which impact the test automation approach:
• Automating through the GUI
• Applying a data-driven approach
• Applying a keyword-driven approach
• Handling software failures
• Considering system state
The Advanced Level Test Automation Engineer syllabus [ISTQB_ALTAE_SYL] includes further details on selecting an automation approach.
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Development policies and plans are discussed, and manufacturing strategies and fee systems are also analyzed. Dump Truck Rental Market Segmentation by Types: Rear Dump Side Dump Bottom Dump Dump Truck Rental Market Segmentation by Applications: Agriculture and Farming Waste Management Transportation and Logistics Others For The Full Report Click here: https://www.marketinsightsreports.com/reports/070612695696/global-and-united-states-dump-truck-rental-market-report-forecast-2023-2029?Mode=Ragini_14 Significant Features and Key Highlights of the Dump Truck Rental Market Reports: - Detailed overview of The Dump Truck Rental market. - Changing market dynamics of the industry. - In-depth market breakdown by Type, Application, etc. - Historic, existing, and predictable market size in terms of extent and worth. - recent manufacturing trends and developments. - Competitive landscape of The Dump Truck Rental market. - Approaches to significant performers and product help. - Prospective and niche sectors/regions exhibiting promising growth. Detailed TOC of Dump Truck Rental Market Research Report 2023 - 2029 Chapter 1 Dump Truck Rental Market Overview Chapter 2 Global Economic Impact on Industry Chapter 3 Global Market Competition by Manufacturers and, Market data Chapter 4 Global Supply (Production), Consumption, Export, Import by Regions Chapter 5 Global Production, Revenue (Value), Price Trend by Type and Region Chapter 6 Global Market Analysis by Application Chapter 7 Manufacturing Cost and, Gross profit Analysis Chapter 8 Industrial Chain, Sourcing Strategy, and Downstream Buyers Chapter 9 Marketing Strategy and, Status Analysis, Distributors/Traders Chapter 10 Market Driving Effect Factors Analysis Chapter 11 Global Dump Truck Rental Market Trends and, Forecast Chapter 12 Research Methodology COVID-19 and Russia-Ukraine War Influence Analysis The readers in the section will recognize how the Dump Truck Rental market scenario changed across the globe during the pandemic, post-pandemic, and Russia-Ukraine War. The study is done keeping in view the changes in aspects such as demand, consumption, transference, consumer behavior, supply chain management, export and import, and production. The industry experts have also highlighted the key factors that will help create opportunities for players and stabilize the overall industry in the years to come. These factors negatively affected the market during the war. What their report offers: - The Dump Truck Rental Market share exams for the regional and country level segments - Market share analysis of the top industry players - Strategic recommendations for the new entrants - The Dump Truck Rental Market forecasts for a minimum of 6 years of all the mentioned segments, sub segments and the regional markets - Gives Growth opportunities roadmap available in the global market with the identification of key factors. - Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations) - Strategic recommendations in key business segments based on the Market estimations - Competitive landscaping mapping the key common trends - Company profiling with detailed strategies, financials, and recent developments - Supply chain trends mapping the latest technological advancements Key Insights: The Dump Truck Rental Market 2023 - Research and analyze the Dump Truck Rental Market standing and future forecast associated with production, Market price structure, consumption, and Market historical knowledge. - The report understands the structure of Dump Truck Rental Market trade by distinctive its varied segments and sub-segments. - Market split the breakdown knowledge by company, products, end-user, and prime countries, Dump Truck Rental Market history knowledge from 2017 to 2022 and forecast to 2029. - Analysis of Dump Truck Rental Market regarding individual growth trends, future prospects, and their contribution to the overall the Market. - Global Dump Truck Rental Market 2023 report analyzes competitive expansions like agreements, new product launches, and Market acquisition. - Research report target the key international Dump Truck Rental Market players to characterize sales volume, revenue, growth potential, drivers, SWOT analysis, and Dump Truck Rental Market development plans in coming years. Reasons to Buy the Dump Truck Rental Report: -The report is prepared using a robust research methodology with key analysis including Porter's Five Analysis and SWOT analysis. -The Dump Truck Rental market research report was specifically conceived, integrated, and exhibited with a focus on key essentials and market factors such as a dedicated review of trends, segment analysis, challenges and Centrifugal Thin Film Evaporator Market barriers analysis. -Analysis of a vast historical data about market behaviour, performance, and production from key players. -Accuracy and factual figures consisting of a concise graphical representations, tables, and figures of the market in the report. If you have any special requirements, please let us know and they will offer you the report as you want. The Dump Truck Rental Market report gives answers to the following: Finally, the Dump Truck Rental Market report is a valuable source for finding market research that will significantly accelerate your business. The study delivers the main location, and economic circumstances with the item value, benefit, limit, generation, supply, demand, market development rate, figures. 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Because they understand what their clients want, they provide up to 20% customization for any of their market intelligence data reports at no added cost to all of their Users. Thanks for practicing this article you can also customize this report to get select chapters or region-wise coverage with regions such as Asia, North America, and Europe. Contact Us: Irfan Tamboli (Head of Sales) - Market Insights Reports Phone: + 1704 266 3234 | +91-750-707-8687 sales@marketinsightsreports.com | irfan@marketinsightsreports.com COMTEX_437648828/2599/2023-08-01T03:16:46 © 2023 Benzinga.com. Benzinga does not provide investment advice. All rights reserved. |
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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