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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BlockChain CBBF : Certified Blockchain Business Foundations ACTUAL EXAM QUESTIONS

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Exam Number : CBBF
Exam Name : Certified Blockchain Business Foundations
Vendor Name : BlockChain
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CBBF test Format | CBBF Course Contents | CBBF Course Outline | CBBF test Syllabus | CBBF test Objectives


The CBBF test is a 70 question multiple-choice test that lasts 1.5 hours and is a performance-based evaluation of basic Blockchain skills and knowledge. Internet access is not provided during the exam, nor is any course material or study guides.



Scores and Reporting

Official scores for exams come immediately following the test from Pearson VUE. A passing score is 70%. test results are reported PASS/FAIL and you will be provided your percentage. Blockchain Training Alliance does not report scores on individual items, nor will it provide additional information upon request.



The Certified Blockchain Business Foundations (CBBF) test is an elite way to demonstrate your knowledge and skills in this emerging space. Exams are conducted at Pearson VUE.



The guide helps to cover the four sections sections of the exam:

- General Blockchain Knowledge

- Why Use Blockchain

- How Blockchain Works

- Using Blockchain for Business



Target Roles Include:

- IT Leadership

- Key Business Managers

- CEO/CTO/CIO

- Network Operations

- Business Analysts

- IT Consultants

- Project Managers

- Systems Integrators

- Help Desk / Service Desk

- Managed Service Providers

- Solution Providers

- Sales Staff

- Government Officials



A person who holds this certification has demonstrated their understanding of the following:

- Blockchain Basics

- Why an organization should or should not use Blockchain

- How Blockchain Works

- Implementing Blockchain in Business

- Blockchain Use Cases



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BlockChain Certified answers

 

From Chatroom to Classroom: The Evolution of Blockchain Education

No result found, try new keyword!Early adopters flocked to various online platforms to answer each other’s questions ... few if any classrooms were willing to broach the subject, so online blockchain certification courses began to ...

A beginner’s guide on blockchain layer-2 scaling solutions

Do layer-1 blockchains address blockchain network scalability issues? 

When the concept of blockchain technology was introduced to the world back in 2009 with Bitcoin (BTC), the primary focus was on providing a decentralized and secure distributed database technology that can cater to transparent transaction ability. 

It necessitated the creation of a native token for facilitating payment for transactions on the network, leading to popular cryptocurrencies such as BTC coming into existence. However, as the blockchain ecosystem kept growing at an exponential rate, it exposed the fundamental concern of low transaction speeds and the inherent lack of scalability provided by such layer-1 blockchains.

A layer-1 blockchain, such as Bitcoin and Ethereum, is the base protocol that is then used in conjunction with third-party layer-2 protocols and is also known as an L1 blockchain, mainnet or primary chain. 

The major issue of blockchain network scalability is primarily due to the proof-of-work (PoW) consensus mechanism adopted by layer-1 blockchains that require excessive amounts of computational resources to build each block of transaction data on the network. 

Moreover, the volume of transactions that a layer-1 blockchain can handle is inversely proportional to the time required to complete them, leading to an increase in transaction or gas fees on such networks. 

Since such layer-1 blockchains process and finalize transactions on their own blockchain, any changes to the underlying protocol can potentially disrupt its functioning and makes the task of changing the consensus mechanism a risky proposition.

Ethereum, another layer-1 blockchain, plans to transition from its PoW consensus mechanism to a proof-of-stake (PoS) model in a bid to thwart this scalability concern. While this will reduce computational requirements and Improve the blockchain’s energy efficiency, it does rely on layer-1 scaling solutions such as sharding to eventually scale to 100,000 transactions per second. 

Sharding, the more popular of the two layer-1 scaling solutions, involves splitting up transactions into small data sets and then using a horizontally split processing algorithm to parallelly process them. 

However, with validation power being given to the largest stakeholders in a PoS consensus model, it does result in the form of centralization that needs addressing, especially for financial applications.

What is a layer-2 blockchain network and why is it needed?

There is no doubt that despite the scalability and speed handicaps of layer-1 blockchains, their rising popularity and the ensuing ample liquidity have led to the birth of layer-2 blockchain solutions like Ethereum-based Polygon blockchain or the Bitcoin-based Lightning Network.

These layer-2, or L2 blockchain, solutions enable thousands of low-value transactions to be processed after validation on parallel blockchains, with records then being transferred to the main blockchain, or mainnet, to ensure that they are immutably recorded.

Originally coined as a collective term to describe a specific set of Ethereum scaling solutions, layer-2 solutions were intended to cater to demand exceeding the blockchain’s 1+ million transactions per day capacity. 

Today, these secondary blockchains are expanding use cases to provide a more superlative end-user experience by virtue of higher transactions per second, lower gas fees and the assurance that all transactions, once completed, are irreversibly recorded on the mainnet.

By ensuring that the mainnet handles critical aspects of decentralization, data availability and security, L2 blockchain solutions are effectively diverting the transactional burden onto their parallel network and de-congesting the mainnet in the process. 

This solves the scaling problem plaguing layer-1 blockchains like Bitcoin and Ethereum while ensuring robust decentralized security standards are accessible to a wide range of decentralized applications (DApps) that are getting pervasive today.

Ethereum Rollups as layer-2 scaling solutions

Rollups, termed because they “roll-up,” or packet multiple transactions into a single mainnet transaction, are layer-2 scaling solutions that ultimately inherit the security provided by Ethereum. They are further classified into two types depending on how the eventual transaction data is recorded on the layer-1 blockchain. 

The first is Optimistic Rollups, which are blockchains that sit parallel to the main chain and avoid the computation that makes Ethereum expensive. Essentially assuming all posted transactions to be valid, they offer security by being able to run fault proofs in the event of an invalid transaction being suspected.

The second type is zero-knowledge Rollups, or zk-Rollups, that instead employ validity proofs to compute transactions off-chain and subsequently compress hundreds of transactions before posting cryptographic validity proofs on the Ethereum mainnet. 

The key difference between the two types is that validating a block is much faster on zero-knowledge Rollups, as they only need the validity proof instead of all transaction data, as is the case with Optimistic Rollups. 

Optimistic rollups vs. Zero-knowledge rollups

Zk-rollups provide near-zero delays in cryptocurrency fund transfer from layer-2 to layer-1 chain and make them more suitable for financial transactions-related use cases, as seen with the popular layer-2 crypto network Polygon.

On the other hand, Optimistic Rollups ensure a higher degree of security and decentralization since transaction data is stored on the layer-1 blockchain and are more suitable for applications with minimum on-chain activity. They also enjoy complete Ethereum Virtual Machine (EVM) and Solidity compatibility, making it possible to do everything on an Optimistic Rollup that is possible on the Ethereum blockchain.

Demystifying other popular types of L2 scaling solutions

Sidechains are separate blockchains that operate independently with their own consensus mechanisms but also run in parallel to the Ethereum mainnet with a two-way bridge connecting both blockchains. 

They offer developers the same feel of the Ethereum mainnet and the ability to deploy their DApps on these sidechains with relative ease. However, since they use a separate consensus mechanism, sidechains aren’t technically layer-2 blockchains because they have a lower degree of decentralization built into their protocol.

Another example of a bi-directional blockchain type is a State channel, also referred to as a payment channel, in which crypto funds are deposited in a smart contract on the layer-1 blockchain, and signed tickets are produced on the former. Available on both the Bitcoin and Ethereum mainnet, popular examples include the Lightning Network, which lets users transact speedily off-chain and records the final data back to the Bitcoin mainnet later. Raiden Network is another state channel that works with the Ethereum blockchain and also permits users to run smart contracts through them.

Plasma chains are anchored to the Ethereum mainnet and use fraud proofs, similar to Optimistic Rollups, to check for transaction validity in case of a dispute. They are more preferred in scenarios where transactions are done between arbitrary users at high speeds with lower gas fees. 

However, withdrawals from these blockchains take several days to provide for arbitration claims and involve an additional capital cost in cases where liquidity is sought for fungible assets.

Nested blockchains are again similar to plasma chains but involve multiple interconnected secondary chains that run on top of the layer-1 blockchain. Forming a parent-child relationship, nested blockchains distribute work to these secondary or child chains and rely on the underlying mainnet to set parameters for the overall network web.

Validiums are eerily similar to zero-knowledge rollups in the sense that they are not vulnerable to cyber-attacks and enjoy no delays when withdrawing funds off these blockchains. They do, however, require high amounts of computational power and are not cost-effective for use cases with low throughput.

Layer-1 vs. layer-2 blockchains

Despite layer-1 scaling solutions like making consensus protocol changes and sharding attempting to make blockchains like Bitcoin and Ethereum more scalable, they are still a work in progress with multiple projects currently working on bringing to market user-friendly solutions.

Both methods, however, are trying to solve the “scalability trilemma,” a term coined by Ethereum founder Vitalik Buterin that alludes to the unsolved problem in distributed ledger technology based networks where every node that validates transactions cannot simultaneously achieve decentralization, security and scalability. 

While the jury is still out on how successful these could be, layer-2 solutions are already facilitating transaction speeds and fees that are ideal for scaling the blockchain ecosystem so as to unleash the full potential of this path-breaking technology. 

Numerous DApps are already employing these solutions to provide previously impossible experiences in the spheres of gaming, Decentralized Finance (DeFi) and the Metaverse, in addition to overhauling traditional sectors like finance, corporate governance, auditing and many more. 

Despite the advantages, the way these blockchains validate transactions needs to be evaluated based on the use case, and the possibility of validators on the layer-2 blockchain committing fraud needs to be analyzed carefully. That said, new layer-2 scaling solutions are being developed constantly and this space will continue to attract a lot of attention, plaudits and criticism.

Future of L2 blockchains

As blockchain technology continues to witness rising real-world adoption, the focus on scalability, fast transaction speeds and low gas fees will drive developments across both L1 and L2 blockchains. With L1 blockchains like Ethereum promising to bring important updates like changes to the consensus mechanism and introducing methods like sharding, it will have a magnified impact on L2 blockchains that are linked to them.

L2 blockchains will inadvertently be able to offer even faster transaction times and bring down costs to a level hitherto seen before. These advantages, coupled with the proliferation of L2 blockchains, will undoubtedly power the rise of new applications, especially in the DeFi space. 

Moreover, by virtue of more bridges being built between the various L2 blockchain platforms, users will be able to enjoy the benefits of higher blockchain interoperability and open up new avenues with respect to areas such as the trading of digital assets.

Thus, L2 scaling solutions will play a key role in promoting a multichain world and this will put the onus on developers to ensure that growth is sustained without any compromises on the tenets of security, decentralization and scalability that blockchains are known for. 

The entire crypto industry at large will have to join forces, constantly innovate and collaborate with each other to bring to market L2 scaling solutions and DApps that will help the world transition to a decentralized economy.


From Financial Transactions to Confidential Information Storage, Blockchain is the Future of Data Transfer

If you had the foresight way back when to invest in cryptocurrency, good on you! You know that values have skyrocketed, and while currencies such as Bitcoin certainly aren’t mainstream yet, there are forces at work to strengthen the technology (that being Blockchain) behind them. Not only does Blockchain ensure a more secure way of dealing with cryptocurrency transactions, but through Ethereum, it is also used to store and execute “smart contracts,” essentially self-executing contracts with the terms of the agreement between buyer and seller being directly written into lines of code. You'll learn everything you need to know about Blockchain with the Blockchain Certification Advanced Training Bundle.

To wit, in 2016 IBM invested hundreds of millions of dollars to try and merge artificial intelligence and blockchain into a single, powerful prototype. Microsoft announced in 2017 the release of the Confidential Consortium (Coco) Framework, an Ethereum-based protocol that will allow large corporations operate on the Ethereum Blockchain.  Blockchain, as a technology, refers to a decentralized public digital ledger that records transactions across many computers. All of the information is stored in many different computers at once across the internet, and this makes it hard for anyone to break into a single computer or steal the data. This provides a way to securely and efficiently create a tamper-proof log of sensitive activity, making it excellent for international payments and money transfers. The technology can be used to decrease the cost of these transfers by reducing the need for banks.

This Blockchain Certification Advanced Training Bundle offers two in-depth courses that will explain the concepts and objectives of the technology, as well as data structure and identifiers. It will teach you how to create blocks and add them to the blockchain with the help of mining. You will be given the opportunity to buy and sell bitcoins and set up smart contracts on Ethereum. You will even be taught the tools to set up your own blockchain network using Hyperledger.

You'll get all this and more for only $29. That’s 96% off the $899 suggested price. (Sorry, bitcoin not accepted … yet!) You will receive 35 hours of instruction and access for one year. Don’t miss out on your chance to learn all about the advanced digital ledger technology that’s revolutionizing industry.

Prices subject to change.

Futurism fans: To create this content, a non-editorial team worked with an affiliate partner. They may collect a small commission on items purchased through this page. This post does not necessarily reflect the views or the endorsement of the Futurism.com editorial staff.


 


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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