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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Nokia unveils plans for new state-of-the-art research and development facility for Nokia Bell Labs in New Brunswick, New Jersey technology hub

Press Release

Nokia unveils plans for new state-of-the-art research and development facility for Nokia Bell Labs in New Brunswick, New Jersey technology hub

  • Nokia Bell Labs is reaffirming its commitment to New Jersey, upholding its 80-year heritage of cutting-edge research and innovation in the state.
  • Move will establish New Brunswick as Nokia’s new R&D hub on the East Coast and affirms Nokia’s commitment to this fast-growing innovation zone in the US.
  • 11 December 2023

    New Brunswick, New Jersey – Nokia today announced plans to relocate its campus in Murray Hill, NJ by 2028 to a new state-of-the-art research and development (R&D) facility in the burgeoning innovation and technology hub in New Brunswick, NJ. The new leading-edge R&D facility will propel Nokia Bell Labs to adapt and evolve to remain at the forefront of cutting-edge technology and continue contributing to a legacy of innovation in New Jersey.

    As the industrial research arm of Nokia, Nokia Bell Labs has always moved ahead of the times to deliver some of the world’s most important technological breakthroughs. From the creation of the world’s first transistor and solar cell to the birth of cellular and satellite communications, Unix, and today’s AI, 6G and industrial automation research, Nokia Bell Labs' Murray Hill campus has been the home to this cutting-edge innovation.

    Nishant Batra, Chief Strategy and Technology Officer at Nokia, said: “Our Murray Hill campus has been home to iconic Nokia Bell Labs innovation for over 80 years. As they look toward the future of Nokia and Nokia Bell Labs in the region, they will take with us all that makes us exceptional – their vision, brainpower, culture of disruptive innovation, and technical prowess – and marry that legacy with a modern research and development facility that is built to their needs. Ultimately, they want a facility that feels right for the next 100 years of Nokia Bell Labs.”

    Collaboration and cooperation are central to the Nokia Bell Labs research model, and therefore increased proximity to an ecosystem of academic centers of excellence, established industry leaders, and exciting new startup ventures was a contributing factor to the site selection. This move will enable Nokia Bell Labs research teams to collaborate in a tightly knit, dynamic campus to develop disruptive technologies in areas including quantum, photonics, optical research, 6G, AI and industrial automation. With bespoke laboratory facilities designed to meet the specific needs and focus areas of award-winning Nokia Bell Labs researchers, Nokia is investing significantly in resources that will continue its legacy of technological breakthroughs for the next century.

    The new facility, which will break ground in 2025, will be developed by SJP Properties with community support provided by New Brunswick Development Corporation (DEVCO), the New Jersey Economic Development Authority (NJEDA) and the City of New Brunswick. The new building will meet a minimum requirement of LEED Gold certification to contribute to Nokia’s target of Net Zero emissions by 2050 and deliver a 50% reduction by 2030. Furthermore, the new building will provide a more optimized space utilizing modern technology for increased efficiency.

    New Jersey Governor Phil Murphy said: “Since the outset of my Administration, I’ve been determined to ensure that the companies of tomorrow not only plant their flags in New Jersey, but that they expand in a state with our unparalleled combination of talent and location. By announcing its new state-of-the art facility in the Helix, Nokia builds upon its remarkable legacy in the Garden State, a legacy that will continue to produce cutting-edge technologies and contribute to their burgeoning innovation ecosystem. What’s more, Nokia’s presence in New Brunswick’s growing tech hub will generate good-paying jobs and further solidify the city’s standing as a regional leader in the innovation economy.”

    Alan Davidson, Assistant Secretary of Commerce for Communications and Information and NTIA Administrator, said: “Bell Labs has had a storied role in the growth of America’s tech industry. We’re excited to see companies like Nokia continuing to invest in America and support the next generation of technology innovation.”

    New Brunswick Mayor Jim Cahill said: “Nokia’s legacy of innovation and devotion to the development of cutting-edge technologies ensures a lasting impact on the global telecommunications landscape. Nokia Bell Labs’ commitment to New Brunswick as the home for their new research and development facility speaks volumes about the potential and promise their city holds. It is a testament to the collaborative spirit, innovation, and forward-thinking attitude that defines their community. This venture will not only bring economic opportunities to their city, but will also create a hub of creativity and expertise that will undoubtedly contribute to the continued growth and success of New Brunswick.”

    Ronald G. Rios, Middlesex County Commissioner Director, said: “Middlesex County has been on a journey to cultivate a sustainable economic ecosystem through strategic public and private partnerships. We’re excited to welcome Nokia as the existing tenant of the HELIX, joining a roster of distinguished organizations who prioritize education and value a robust talent pipeline that uniquely exists in their County.”

    Tim Sullivan, NJEDA Chief Executive Officer, said: “In the world of innovation, there may be no name more iconic than Bell Labs, and Nokia’s decision to build the next chapter of the Bell Labs story in the heart of New Jersey’s innovation ecosystem is extraordinarily good news. When Governor Murphy took office, he set to work from Day One on recapturing New Jersey’s leadership position in innovation, and today’s news is proof positive that the Governor’s strategy is working.”

    Nokia today also announced a new venture studio based in New Jersey for unleashing the commercial potential of Nokia Bell Labs’ innovations outside of the strategic areas Nokia is focused on today. Nokia has solidified long-term partnerships with Celesta Capital and America’s Frontier Fund to collaborate on building and investing in Nokia Bell Labs innovations that support the next generation of critical technology for the US.

    Nokia will be sharing details on this new facility on Monday, December 11 at 2pm at the New Brunswick Performing Arts Center – Elizabeth Ross Johnson Theater and will be joined by federal, state and local government officials. Doors open at 1pm and arrival by 1:30pm is encouraged to allow time for registration.

    Resources and additional informationWeb page: Nokia Bell Labs

    Web page: SJP Properties

    Web page: DEVCO

    Web page: NJEDA

    Press release: Nokia launches new venture partnerships and venture studio to maximize commercial potential of Nokia Bell Labs’ innovations

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    About NokiaAt Nokia, they create technology that helps the world act together.

    As a B2B technology innovation leader, they are pioneering networks that sense, think and act by leveraging their work across mobile, fixed and cloud networks. In addition, they create value with intellectual property and long-term research, led by the award-winning Nokia Bell Labs.

    Service providers, enterprises and partners worldwide trust Nokia to deliver secure, reliable and sustainable networks today – and work with us to create the digital services and applications of the future.

    Media InquiriesNokia Communications, CorporateEmail: Press.Services@nokia.com

    Follow us on social mediaLinkedInXInstagramFacebookYouTube

     

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    Nokia launches new venture partnerships and venture studio to maximize commercial potential of Nokia Bell Labs’ innovations

    Press Release

    Nokia launches new venture partnerships and venture studio to maximize commercial potential of Nokia Bell Labs’ innovations

  • Nokia Innovation Framework evolving with new venture studio and venture partnerships to unleash the full commercial potential of Nokia Bell Labs technologies outside of Nokia’s strategic perimeters.
  • A new venture studio with America’s Frontier Fund and Roadrunner Venture Studios for commercializing the next generation of critical technology for the US will be situated in New Jersey, the iconic home of Bell Labs innovation for over 80 years.
  • New venture partnership with Celesta Capital will invest in scaling ventures built with deep technologies from Nokia Bell Labs.
  • 11 December 2023Murray Hill, New Jersey – Nokia today announced an evolution to its Innovation Framework to unlock the full commercial potential of Nokia Bell Labs’ innovations across industries and expand efforts in external startup creation in the US with new partnerships and a new venture studio located in New Jersey.

    Nokia Bell Labs is a world-renowned idea factory and has a rich history of innovation with 10 Nobel Prizes to its credit. Bell Labs contributions to technology have been pivotal in shaping the world they live in today with pioneering breakthroughs such as the world’s first transistor and solar cell, the birth of cellular and satellite communications and the invention of information theory and Unix.

    As the industrial research arm of Nokia, Nokia Bell Labs creates world-leading, disruptive innovations and transfers technology to deliver value to Nokia’s business groups for product differentiation and time-to-market advantages. In 2021, Nokia launched its Innovation Framework to create alternate pathways to capture value for innovations that fall outside its current business lines, including setting up an internal incubator for new business creation, expanding technology licensing to new or established companies, and establishing Fund V with NGP Capital to invest in far adjacencies.

    With the new venture partnerships and venture studio, Nokia Bell Labs harnesses the ability to commercialize its innovations that are further adjacent to Nokia’s strategy, or that can flourish better outside Nokia. By collaborating with seasoned venture partners, Nokia Bell Labs will be able to create and invest in strategic startups and industrialize external ventures to maximize long-term value creation for Nokia.

    To launch this effort, Nokia has solidified long-term strategic partnerships with America’s Frontier Fund (AFF), Roadrunner Venture Studios (RVS) and Celesta Capital to accelerate the commercialization of deep technology pioneered by Nokia Bell Labs. This collaboration aims to take advantage of Nokia Bell Labs research efforts in areas targeting advanced 5G/6G communications, next-generation semiconductor and optical chip design and packaging, AI/ML, sensors and quantum computing. AFF and RVS will contribute venture building and investments to drive innovation across multiple industries and establish the next generation of critical technology in the US. Celesta Capital will capitalize, lead and scale Nokia-backed ventures to accelerate their growth.

    Nishant Batra, Chief Strategy and Technology Officer at Nokia, said: “Nokia Bell Labs is a global beacon of innovation. The new venture studio collaboration and partnerships combine Nokia Bell Labs’ robust IP portfolio and research expertise with America's Frontier Fund and Roadrunner Venture Studios’ teams of seasoned builders, and Celesta Capital’s excellent investment track record and operational prowess to commercialize and scale new startups for long-term value creation and nurture leading companies in crucial technological domains for years to come.”

    Gilman Louie, Chief Executive Officer of America’s Frontier Fund, said: “America's Frontier Fund is excited to partner with Nokia Bell Labs, which has been at the forefront of American innovation for 98 years. Together, with Roadrunner Venture Studios, they will continue this tradition and lead the way in frontier technology for another century.”

    Adam Hammer, Co-founder of Roadrunner Venture Studios, said: “The legacy of scientific discovery and innovation at Bell Labs helped inspire their mission to create disruptive companies from scientific breakthroughs. Together, they will build a premier venture studio on that legacy by bringing to market remarkable companies emerging out of this iconic American research institution.”

    Sriram Viswanathan, Founding Managing Partner of Celesta Capital, said: “Celesta Capital is excited to align with Nokia, leveraging its unparalleled strength in industrial research and its rich technology portfolio. They believe this collaboration with Nokia Bell Labs will harness Celesta Capital’s unique capabilities in identifying, nurturing, and developing high-potential technologies into the leading deep tech companies of tomorrow.”

    Resources and additional informationWebsite: America’s Frontier FundWebsite: Roadrunner Venture StudiosWebsite: Celesta Capital

    About NokiaAt Nokia, they create technology that helps the world act together.

    As a B2B technology innovation leader, they are pioneering networks that sense, think and act by leveraging their work across mobile, fixed and cloud networks. In addition, they create value with intellectual property and long-term research, led by the award-winning Nokia Bell Labs.

    Service providers, enterprises and partners worldwide trust Nokia to deliver secure, reliable and sustainable networks today – and work with us to create the digital services and applications of the future.

    About America’s Frontier FundAmerica's Frontier Fund (AFF) focuses on maintaining U.S. leadership in science, technology, innovation, and manufacturing. AFF generates new companies via Roadrunner Venture Studios, funds early-stage ventures through its venture Frontier Fund, and partners with their allies through the Quad Investors Network. AFF's core emphasis is on artificial intelligence, advanced communications, advanced manufacturing, synthetic biology, energy, microelectronics, and other crucial, emerging technologies shaping the future.

    About Roadrunner Venture StudiosRoadrunner Venture Studios is building a nationwide network of venture studios to advance U.S. economic competitiveness and national security. They co-found breakthrough deep-tech ventures with the nation’s most brilliant scientists, engineers, and innovators. Roadrunner is the ultimate company “starter-kit,” equipping portfolio companies with everything they need to go from the kernel of an idea to a venture-backed growth engine.

    About Celesta CapitalCelesta Capital is a global multi-stage deep technology venture capital firm. Led by technology industry veterans with decades of investment and operational experience, Celesta Capital boasts a passion and proven track record for building and scaling global businesses. Established in 2013, Celesta holds a portfolio of over 100 early-stage technology investments. Learn more at https://celesta.vc.

    Media inquiriesNokia Communications, CorporateEmail: Press.Services@nokia.com

    Celesta CapitalTrevor DeWitt, Head of MarketingEmail: trevor@celesta.vc

    America's Frontier FundAlex El-Fakir, Director of CommunicationsEmail: alex@americasfrontier.org

    Roadrunner Venture StudiosChris Haugh, Senior AdvisorEmail: chris@roadrunnerstudios.com

    Follow us on social mediaLinkedInXInstagramFacebookYouTube

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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