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 : Adwords-fundamentals
Exam Name : Google Advertising Fundamentals Exam
Vendor Name : Google
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Adwords-fundamentals exam Format | Adwords-fundamentals Course Contents | Adwords-fundamentals Course Outline | Adwords-fundamentals exam Syllabus | Adwords-fundamentals exam Objectives

Exam: Adwords-fundamentals Google Advertising Fundamentals Exam

Exam Details:
- Number of Questions: The exam consists of approximately 100 multiple-choice questions.
- Time: Candidates are given 120 minutes to complete the exam.

Course Outline:
The Google Advertising Fundamentals exam is designed to assess professionals' knowledge and understanding of the basic concepts and principles of online advertising using Google AdWords. The course covers the following topics:

1. Introduction to Online Advertising
- Overview of online advertising and its benefits
- Different types of online advertising channels
- Introduction to Google AdWords and its role in online advertising
- Key terms and concepts in online advertising

2. Setting Up AdWords Campaigns
- Creating an AdWords account and understanding account structure
- AdWords campaign types and goals
- Keyword research and selection
- Ad group creation and ad formats

3. AdWords Targeting and Bidding
- Understanding AdWords targeting options (location, language, device, etc.)
- Bidding strategies and budget management
- Ad delivery and ad rotation settings
- Quality Score and its impact on ad performance

4. AdWords Ad Formats and Extensions
- Text ad creation and best practices
- Display ad creation and image ad guidelines
- Ad extensions and their benefits
- Ad policies and compliance guidelines

5. AdWords Performance Monitoring and Optimization
- Tracking conversions and measuring campaign success
- Performance monitoring and reporting in AdWords
- Campaign optimization techniques (keyword optimization, ad testing, etc.)
- Understanding and using AdWords tools and reports

Exam Objectives:
The exam aims to assess candidates' understanding and proficiency in the following areas:

1. Knowledge of the fundamentals of online advertising and Google AdWords
2. Competence in setting up and structuring AdWords campaigns
3. Understanding of AdWords targeting options, bidding strategies, and budget management
4. Proficiency in creating effective ads and using ad extensions
5. Ability to monitor campaign performance and optimize AdWords campaigns

Exam Syllabus:
The exam syllabus covers the following topics:

- Introduction to Online Advertising
- Overview of online advertising and its benefits
- Different types of online advertising channels
- Introduction to Google AdWords and its role in online advertising
- Key terms and concepts in online advertising

- Setting Up AdWords Campaigns
- Creating an AdWords account and understanding account structure
- AdWords campaign types and goals
- Keyword research and selection
- Ad group creation and ad formats

- AdWords Targeting and Bidding
- Understanding AdWords targeting options (location, language, device, etc.)
- Bidding strategies and budget management
- Ad delivery and ad rotation settings
- Quality Score and its impact on ad performance

- AdWords Ad Formats and Extensions
- Text ad creation and best practices
- Display ad creation and image ad guidelines
- Ad extensions and their benefits
- Ad policies and compliance guidelines

- AdWords Performance Monitoring and Optimization
- Tracking conversions and measuring campaign success
- Performance monitoring and reporting in AdWords
- Campaign optimization techniques (keyword optimization, ad testing, etc.)
- Understanding and using AdWords tools and reports

Candidates are expected to have a comprehensive understanding of these syllabus to successfully pass the exam and demonstrate their proficiency in the fundamentals of online advertising using Google AdWords.

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Google is testing an A.I. Assistant that offers life advice

Google is reportedly testing an AI that can offer life advice. Pexels

Google is reportedly testing AI assistants that can offer life advice. It is no secret that the American tech giant wants to be at the forefront of the AI technology space.

So, the company is sparing no effort to provide its rivals like Microsoft and OpenAI a run for their money. In line with this, Google recently unveiled a new AI search tool that can not only shorten lengthy articles but also simplify coding.

Back in April, Google announced that it was merging DeepMind with the Brain team from Google Research. To those unaware, Google acquired DeepMind, which is a research lab, in 2014. Now, the two groups have teamed up to test ambitious new tools that could turn generative AI into a personal life coach.

Google's attempt to dominate the AI space

It is worth noting that chatbots like OpenAI's ChatGPT and Google's Bard adopt generative AI technology. Google DeepMind has been evaluating generative AI in a bid to perform about 21 different types of personal and professional tasks, including tools to offer life advice, planning instructions, ideas, and even tutoring tips.

This piece of vital information has been revealed by the documents and other materials acquired and reviewed by the folks at The New York Times. The project is a major sign that Google wants to propel itself to the front of the artificial intelligence segment.

To recap, the company was rigorously criticised earlier this year for collecting public data to train AI. Undeterred by this, Google is not shying away from trusting AI systems with sensitive tasks. Much to its chagrin, the technology company was overshadowed by OpenAI's ChatGPT, which arrived in November.

What does the new AI Assistant offer?

According to the NYT report, Google has spent the last nine months trying to prove it is capable of keeping up with OpenAI and its partner Microsoft. As a result, the search giant released its own AI bot dubbed Bard, improved its AI systems, and incorporated the technology into a slew of its existing products like Gmail and its search engine.

According to two people with knowledge of the project, Scale AI assembled teams of workers to test these capabilities. Notably, Scale AI is a contractor working with Google DeepMind. Among other things, the workers are reportedly testing the assistant's ability to answer questions related to challenges in people's lives.

The project's idea creation feature provides suggestions or recommendations based on a user's situation. Meanwhile, its tutoring function is capable of teaching new skills or helping users Improve existing ones.

Likewise, the planning capability can be used to create a financial budget for users, meals, and workout plans. However, there is a possibility that the company may not employ the tools, which are currently still being evaluated.

"We have long worked with a variety of partners to evaluate their research and products across Google, which is a critical step in building safe and helpful technology," a Google DeepMind spokeswoman said.

"At any time there are many such evaluations ongoing. Isolated samples of evaluation data are not representative of their product road map," the spokeswoman added.

According to a separate report by The New York Times, Google is testing a helpmate for journalists that can create or rewrite news articles and suggest headlines.

Google to summarize search results from news articles via generative AI

No result found, try new keyword!Google will begin experimenting with a new generative artificial intelligence bot that can translate entire search results into short summaries despite resistance from news publishers.

Children’s advocates ask FTC to investigate Google for targeting ads to kids

No result found, try new keyword!Children’s advocacy groups including Fairplay and Common Sense Media are asking the Federal Trade Commission to investigate Google, saying the tech giant serves personalized ads to kids on YouTube ...

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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