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.

Wo erhalte ich vollständige Informationen über AZ-600?

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Exam Number : AZ-600
Exam Name : Configuring and Operating a Hybrid Cloud with Microsoft Azure Stack Hub
Vendor Name : Microsoft
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AZ-600 exam Format | AZ-600 Course Contents | AZ-600 Course Outline | AZ-600 exam Syllabus | AZ-600 exam Objectives

Exam Detail:
The Configuring and Operating a Hybrid Cloud with Microsoft Azure Stack Hub (AZ-600) exam is designed to validate the knowledge and skills of IT professionals in configuring and managing hybrid cloud environments using Microsoft Azure Stack Hub. Here are the exam details for the AZ-600 exam:

- Number of Questions: The exact number of questions may vary, but the exam typically consists of multiple-choice questions, case studies, and hands-on exercises.

- Time Limit: The time allotted to complete the exam is typically 150 minutes.

Course Outline:
The AZ-600 course provides candidates with a comprehensive understanding of Microsoft Azure Stack Hub and its deployment, configuration, and management in a hybrid cloud environment. The course outline typically includes the following topics:

1. Introduction to Azure Stack Hub:
- Overview of Azure Stack Hub architecture and components.
- Understanding the Azure Stack Hub deployment models.

2. Deploying and Configuring Azure Stack Hub:
- Planning and deploying Azure Stack Hub infrastructure.
- Configuring Azure Stack Hub resources, storage, and networking.

3. Managing and Securing Azure Stack Hub:
- Managing subscriptions, quotas, and plans in Azure Stack Hub.
- Implementing security and compliance in Azure Stack Hub.

4. Azure Stack Hub Marketplace and Applications:
- Managing the Azure Stack Hub Marketplace.
- Deploying and managing applications in Azure Stack Hub.

5. Monitoring and Troubleshooting Azure Stack Hub:
- Monitoring Azure Stack Hub resources and health.
- Troubleshooting common issues in Azure Stack Hub.

Exam Objectives:
The objectives of the AZ-600 exam are as follows:

- Evaluating candidates' understanding of Azure Stack Hub architecture, deployment models, and components.
- Assessing candidates' ability to deploy and configure Azure Stack Hub infrastructure and resources.
- Testing candidates' knowledge of managing subscriptions, security, and compliance in Azure Stack Hub.
- Evaluating candidates' proficiency in managing applications and troubleshooting common issues in Azure Stack Hub.

Exam Syllabus:
The specific exam syllabus for the AZ-600 exam may cover the following topics:

1. Azure Stack Hub Architecture and Deployment Models:
- Azure Stack Hub architecture overview.
- Azure Stack Hub deployment models and scenarios.

2. Deploying and Configuring Azure Stack Hub:
- Planning and deploying Azure Stack Hub infrastructure.
- Configuring Azure Stack Hub resources, storage, and networking.

3. Managing and Securing Azure Stack Hub:
- Managing subscriptions, quotas, and plans in Azure Stack Hub.
- Implementing security and compliance in Azure Stack Hub.

4. Azure Stack Hub Marketplace and Applications:
- Managing the Azure Stack Hub Marketplace.
- Deploying and managing applications in Azure Stack Hub.

5. Monitoring and Troubleshooting Azure Stack Hub:
- Monitoring Azure Stack Hub resources and health.
- Troubleshooting common issues in Azure Stack Hub.

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Microsoft dumps Cortana leaving Siri as one of the last smart assistants

Microsoft makes room for Bing Chat

Siri appears to be the last smart assistant standing as Microsoft quietly sunsets Cortana in Windows, but this may be a meaningless victory given the rise of AI-based chatbots.

Cortana's death has been a long time coming. Microsoft began removing support for Cortana on mobile in 2021 and is now killing it off on Windows as well.

According to a Microsoft support document first shared by Windows Latest, Cortana will no longer be supported in Windows starting in August 2023. While it didn't provide a specific day, it seems an update will erase this smart assistant at any time, if not already.

Of course, the news isn't a surprise as Microsoft turns its attention to the new and shiny toy provided by an OpenAI partnership — Bing Chat. This Large Language Model-powered chatbot can answer complex questions and summarize sources with some questionable accuracy.

Other competitors in the smart assistant space that started with Siri in 2011 included Google Assistant, Amazon Alexa, Samsung Bixby, and dozens of other short-lived assistants. However, it seems everyone is moving on except Apple.

During the post-COVID layoffs that hit nearly every tech company except Apple, Amazon laid off a large chunk of its Alexa division. The company seems to bleed cash from Alexa and has slowly deprioritized the division, despite releasing new hardware.

If you've forgotten about Bixby, don't worry, so has Samsung. The assistant was slowly pushed to the background in favor of Google Assistant somewhere around 2020.

But even Google seems to be backing off its pride and joy smart assistant in favor of Bard. Google mentioned "AI" over 100 times during its 2023 I/O, but with emphasis on Bard and other LLMs — Google Assistant was an afterthought.

Siri is still a priority for Apple

That leaves Apple and Siri. Even as Apple's CEO Tim Cook states that some portion of its increasing R&D spend is going to Apple AI research, the results haven't shown in Siri — yet. There have been alleged internal arguments about Apple's need to abandon Siri for a restart aimed at LLMs like Bard, but a concern for user privacy continues to win out.

Regardless of Apple's approach, they at AppleInsider find it difficult to believe Apple would abandon a brand like Siri, despite the cruft. Even if the company rewrites Siri from scratch, they expect whatever LLM form it takes will still be called Siri.

Apple has always been a smart brand company and is unwilling to abandon recognizable product names. It isn't about to change the name of one of its most well-known products into something unrecognizable — that would lack business sense.

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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