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 : Agile-Scrum-Foundation
Exam Name : EXIN Agile Scrum Foundation 2025
Vendor Name : Exin
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Agile-Scrum-Foundation exam Format | Agile-Scrum-Foundation Course Contents | Agile-Scrum-Foundation Course Outline | Agile-Scrum-Foundation exam Syllabus | Agile-Scrum-Foundation exam Objectives

EXAM CODE: Agile-Scrum-Foundation
EXAM NAME: EXIN Agile Scrum Foundation

Duration: 01 hour
Number of Questions: 40 (Multiple Choice)
Pass mark: 65%
Open book: No
Electronic equipment allowed: No
Level: Foundation
ECTS Credits: 2
Languages: English, Portuguese, Chinese, Dutch, French, German, Japanese, Spanish

EXIN Agile Scrum Foundation offers professionals a unique certification that combines agile principles and scrum practices. The exam tests candidates on their understanding of key concepts and their application.

Agile Way of Thinking
Scrum practices
Scrum Planning and Estimation
Monitoring Scrum Projects
Advanced Scrum Concepts

1. Agile Way of Thinking 10%
1.1 Concepts of Agile and Scrum 10%
2. Scrum Practices 55%
2.1 Scrum Roles 20%
2.2 Scrum Events 15%
2.3 The Importance of the Backlog 12.5%
2.4 Working toward Goals 7.5%
3. Scrum Planning and Estimation 17.5%
3.1 Scrum Planning 7.5%
3.2 Scrum Estimation 10%
4. Monitoring Scrum Projects 10%
4.1 Scrum Monitoring 10%
5. Advanced Scrum Concepts 7.5%
5.1 Scrum in Different Situations 7.5%

1 Agile Way of Thinking
1.1 Concepts of Agile and Scrum
The candidate can…
1.1.1 explain the Agile way of thinking.
1.1.2 recognize how Agile brings predictability and flexibility.
1.1.3 describe the content of the Agile Manifesto.
1.1.4 recognize Agile methods and practices other than Scrum.
2 Scrum Practices
2.1 Scrum Roles
The candidate can…
2.1.1 explain the role of the Product Owner.
2.1.2 explain the role of the Scrum Master.
2.1.3 explain the role of the Developers.
2.1.4 explain that the traditional project manager role does not exist in Scrum.
2.2 Scrum Events
The candidate can…
2.2.1 explain the characteristics of time-boxed events.
2.2.2 explain the characteristics of sprints.
2.2.3 explain the characteristics of the daily scrum.
2.2.4 explain the characteristics of the sprint review and the sprint retrospective.
2.3 The Importance of the Backlog
The candidate can…
2.3.1 explain the characteristics of a product backlog and sprint backlog.
2.3.2 recognize good user stories and backlog items.
2.3.3 explain how to refine the product backlog items.
2.3.4 understand how backlog items are ordered.
2.4 Working toward Goals
The candidate can…
2.4.1 explain the characteristics of a product goal.
2.4.2 explain the characteristics of a sprint goal.
2.4.3 explain the characteristics of a definition of done (DoD).
3 Scrum Planning and Estimation
3.1 Scrum Planning
The candidate can…
3.1.1 explain the characteristics of the sprint planning.
3.1.2 understand how to determine the duration of a sprint.
3.2 Scrum Estimation5 Advanced Scrum Concepts
5.1 Scrum in Different Situations
The candidate can…
5.1.1 recognize how to scale Scrum in large, complex projects.
5.1.2 recognize how to apply Scrum with virtual teams.
5.1.3 understand different types of contracts in Scrum
The candidate can…
3.2.1 explain estimation techniques: planning poker, triangulation and affinity
estimation.
3.2.2 understand how to estimate using ideal days, ideal hours or story points.
3.2.3 understand how to estimate the velocity of the team.
4 Monitoring Scrum Projects
4.1 Scrum Monitoring
The candidate can…
4.1.1 understand the concept and value of information radiators.
4.1.2 understand Kanban boards.
4.1.3 understand the different ways to visualize the work done.

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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

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Cyber-Kosten:

Cyber-Drittschäden (Haftpflicht):

Cyber-Eigenschäden:

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