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 : AZ-700
Exam Name : Designing and Implementing Microsoft Azure Networking Solutions
Vendor Name : Microsoft
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Title: Microsoft AZ-700 Designing and Implementing Microsoft Azure Networking Solutions

Test Detail:
The Microsoft AZ-700 test is designed to validate the knowledge and skills required to design and implement networking solutions in Microsoft Azure. This certification is intended for IT professionals who work with Azure networking technologies and are responsible for designing and implementing Azure networking solutions.

Course Outline:
The Microsoft AZ-700 course provides participants with a comprehensive understanding of designing and implementing networking solutions in Microsoft Azure. The following is a general outline of the key areas covered in the certification program:

1. Designing Azure Virtual Networks:
- Designing virtual network topologies and subnets
- Implementing IP addressing and routing in Azure
- Configuring Azure Virtual Network Peering and Gateway Transit

2. Implementing Azure Virtual Network Connectivity:
- Implementing site-to-site VPN connections
- Configuring Azure ExpressRoute for private network connectivity
- Implementing Azure Virtual WAN for global network connectivity

3. Implementing Azure Load Balancer and Traffic Manager:
- Configuring Azure Load Balancer for high availability and load distribution
- Implementing Azure Traffic Manager for global traffic routing
- Configuring health probes and load balancing rules

4. Implementing Azure Network Security:
- Configuring network security groups (NSGs) for inbound and outbound traffic control
- Implementing Azure Firewall for network security and protection
- Configuring Azure DDoS Protection for safeguarding against DDoS attacks

5. Monitoring and Troubleshooting Azure Networking:
- Implementing Azure Network Watcher for network monitoring and diagnostics
- Using Azure Network Insights for troubleshooting and performance optimization
- Analyzing network traffic with Azure Network Analyzer

Exam Objectives:
The Microsoft AZ-700 test assesses candidates' knowledge and skills in designing and implementing networking solutions in Microsoft Azure. The test objectives include, but are not limited to:

1. Designing Azure Virtual Networks and subnets.
2. Implementing Azure Virtual Network connectivity using VPN and ExpressRoute.
3. Configuring Azure Load Balancer and Traffic Manager for load distribution and traffic routing.
4. Implementing network security measures using NSGs, Azure Firewall, and DDoS Protection.
5. Monitoring and troubleshooting Azure networking using Network Watcher and Network Insights.

Syllabus:
The Microsoft AZ-700 certification program typically includes comprehensive training provided by Microsoft or authorized training partners. The syllabus provides a breakdown of the syllabus covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:

- Introduction to the Microsoft AZ-700 test overview and certification process
- Designing Azure Virtual Networks and Subnets
- Implementing Azure Virtual Network Connectivity
- Implementing Azure Load Balancer and Traffic Manager
- Implementing Azure Network Security
- Monitoring and Troubleshooting Azure Networking
- test Preparation and Practice Tests
- Final Microsoft AZ-700 Certification Exam

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Microsoft Has Leaked an Internal Tool It Uses to Test 'Experiments'

No result found, try new keyword!Microsoft included the software in a accurate bug hunt it sponsored in China. It's called StagingTool.exe, and the company advised the hunt participants to use the tool to unlock a passwordless sign-in ...

Microsoft Excel to let you run Python scripts as formulas

Python and Excel

Microsoft is adding the Python programming language to Microsoft Excel, allowing users to create powerful functions for analyzing and manipulating data.

The public preview of the feature is now available to Microsoft 365 Insiders in the Beta channel, with the goal to ultimately roll out the feature to Excel for Windows in 16.0.16818.2000.

However, even if you join the Microsoft 365 Insiders Beta channel to test the new feature, there is no ensure that Python in Excel will be available, as Microsoft is rolling it out slowly to test the feature.

The new Python in Excel feature brings a new 'PY' function that allows users to embed Python code directly in a cell to be executed like any macro or regular Excel function.

However, instead of running the Python scripts locally, Excel will execute the code in the cloud using a hypervisor-isolated container on Azure Container Instances. Microsoft says this container environment will include Python and a curated set of Anaconda libraries to prevent security issues.

These libraries include the data visualization and analysis tool 'pandas' and the visualization tool 'Matplotlib.'

As the Python scripts will run in an isolated container, they will not have access to any local resources, including the local network, computer, files, and a Microsoft 365 authentication token.

To embed a Python script in Excel, users will use the =PY() function to open a text area where they can enter the Python code they wish to execute.

The code is then executed in the cloud container, and the results are sent back and displayed in the worksheet. Microsoft says this is all done anonymously so that your Python code is not linked back to a particular user.

"Python in Excel makes it possible to natively combine Python and Excel analytics within the same workbook - with no setup required," Microsoft explains in an announcement.

"With Python in Excel, you can type Python directly into a cell, the Python calculations run in the Microsoft Cloud, and your results are returned to the worksheet, including plots and visualizations."

Microsoft treats Python in Excel like other embedded scripting languages, automatically blocking them if a document contains a Mark of The Web (MoTW).

Windows automatically adds MoTW flags to all documents and executables downloaded from untrusted sources, such as the internet, using a special 'Zone. Id' alternate data stream.

These MotW labels tell Windows, Microsoft Office, web browsers, and other apps that the file should be treated with suspicion and will cause the document to be opened in Protected View, preventing the execution of macros and embedded Python scripts.

"If you open a workbook that contains Python code from the internet, Excel Protected View won't run Python formulas in the workbook. If a workbook is opened with Microsoft Defender Application Guard, Python formulas don't run by default," explains Microsoft.

To test Python in Excel, join the Microsoft 365 Insider Program and enroll in the Beta channel. However, as previously said, this feature may take some time to roll out to everyone

Microsoft tests free GPT-4 toggle in Bing Chat AI on Android and iOS

Microsoft has rolled out a new server-side update for Bing Chat app on Android and iOS with a new toggle called “GPT-4”. This new feature allows you to unlock the full potential of ChatGPT GPT-4, in addition to the existing “tones” feature.

As you probably know, Bing Chat allows you to choose the style in which Bing responds, such as “Creative”, “Balance”, or “More Precise”. With the new GPT-4 addition, the chat experience is set to be even better. This appears to be part of the tech giant’s plan to make chatting feel much more like talking to a chatbot than an assistant for Bing.com

Microsoft is rolling out the new GPT-4 toggle for Android and iOS users via Bing app. So what’s the new feature all about? Microsoft support staff told us the new GPT-4 toggle is a feature that allows you to chat with GPT-4, a multimodal large language model created by OpenAl.

Bing Chat GPT 4 toggle

Image Courtesy: WindowsLatest.com

It appears the GPT-4 toggle lets you chat with Bing’s GPT-4 model without extra customization applied by Microsoft. If you click the three dots menu, you can return to the existing tones feature, which lets you use Microsoft’s customization.

“Please note that GPT-4 is not perfect and may make mistakes or produce inappropriate responses. If you encounter any issues or have any feedback, please let us know by using the feedback button on the chat interface,” a Microsoft staff told us.

Microsoft is internally exploring a no search or offline mode for Bing Chat.

Here’s a bit about how Bing usually works: When you ask a question, it often searches the internet for the answer, similar to how they might use a search engine like Google. But sometimes, for simple questions, this can seem slow or unnecessary.

Some users have mentioned that they don’t always want Bing to search the web, especially when using a feature on Windows 11 called Copilot. They prefer if Bing just gave quick answers without always going online.

Our sources at Microsoft have given some hints about what’s coming next. The company is thinking about a new approach for Bing AI Chat.

In this approach, Bing might not always look up answers on the internet. Instead, it could answer from what it already knows, making the chat faster and smoother.

For instance, if someone often asks Bing for help with a program like Microsoft Word, Bing currently searches online each time, even for common questions. Imagine asking Bing, “How do I bold text in Word?” Currently, Bing might search online to provide an answer. But with the planned changes, Bing could quickly tell users the steps without the need to search.

In conclusion, Microsoft’s updates to Bing Chat AI, especially with the addition of GPT-4, show a strong move towards making the tool more user-friendly. With these changes, Bing could become a preferred choice for many looking for a smooth and efficient chatbot experience.

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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