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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ServiceNow ServiceNow cheat sheet


Google Bard Cheat Sheet: What Is Google Bard, and How Does It Work?

Bard is Google’s artificial intelligence chatbot that generates responses to user-provided natural language prompts. In response to a prompt, Bard can pull information from the internet and present a response. The large language model behind Bard delivers the response in natural language — in contrast to a standard Google search, where a result consists of a snippet of information or a list of links.

Google announced Bard in February 2023 after OpenAI and Microsoft both garnered attention for AI chatbot systems. And in May 2023, Bard and related AI advancements featured prominently in Google’s I/O event.

According to Sundar Pichai, CEO of Google and Alphabet, Bard is ” … an experimental conversational AI service.”

In fact, Google places the word “Experiment” next to the system’s name to show it’s still a work in progress. Additionally, Google indicates that “Bard may display inaccurate or offensive information that doesn’t represent Google’s views” in a disclaimer placed below the prompt box.

Jump to:

What is Google Bard used for?

Bard’s prompt-response process can help you obtain answers faster than a standard Google search sequence.

A classic Google search requires you to enter a natural language query or keywords, follow links, review content and then compile the results or repeat the process with a refined search.

SEE: Check out these Google Bard search prompting tips.

With Bard, you enter a prompt, then review the response. If the response isn’t exactly what you want, you have at least three options:

  • View other drafts to display alternatively formatted responses.
  • Regenerate the response to have the system craft a new reply.
  • Follow-up with another prompt.
  • Bard can handle all sorts of tasks, but many of the most common uses are covered by the categories of capabilities detailed below.

    Google Bard can summarize

    As a large language model, Bard can adeptly summarize text. For example, provide a link to a web page and ask Bard to summarize the contents, e.g.:

    Please summarize ​​https://blog.google/technology/ai/bard-google-ai-search-updates/.

    You also can suggest a specific length if you want a particular degree of brevity, such as “Please summarize in 100 words.”

    Google Bard can compare

    Bard can compare two or more items. In many cases, when you ask Bard to compare things, the system will display some of the data in a table. For example, if you prompt Bard:

    Compare a Pixel 7, Pixel 7a and Samsung Galaxy S23.

    Similarly, you may ask Bard to compare web pages.

    Google Bard can suggest

    Bard may serve as a suggestion engine for products, services or activities. Enter the title of books, music or movies you like, then ask Bard to suggest others. This can be useful when you’re researching unfamiliar topics. For example, you might try:

    I am interested in learning the history of machine learning. Can you recommend 10 useful and highly respected books on the topic? Google Bard can explain

    When you want to learn about a syllabu or historical event, you can ask Bard to explain it to you. If you like, you may suggest a desired level in order to guide the system toward an explanation that may be either easier to understand or more detailed. For a general overview of a core technology that helps make Bard work, you might ask:

    Can you explain the basics of how neural networks operate? Explain it to me as if I am in my first year of college. Google Bard can brainstorm

    One of the best uses of a chatbot is to gather a long list of ideas. Ask Bard to “Brainstorm ideas for…” followed by whatever syllabu you wish, such as a new project, promotional effort or paper. Encourage Bard to provide creative, unusual or inventive ideas for additional variety in the responses.

    Google Bard can code and debug

    In April 2023, Bard added the ability to create and help debug code in more than 20 programming languages. When you ask for code, make sure to specify the programming language and describe in as much detail as possible the code you need. If the code generated doesn’t work, let Bard know what exactly went awry, and ask for a suggested fix or for help interpreting an error code.

    SEE: Explore other Google Bard enhancements.

    Bard can draft text

    Bard can help you write, too. As with most prompts, provide as much detail about the topic, length, format (blog post, poem, essay, book report, etc.) and style as possible. If you have a rough outline of a blog post, you might include the desired points in your prompt. For this section of text, for example, you might prompt:

    Using the following points as an outline, can you draft examples and explanatory text? "Bard can summarize. Bard can compare. Bard can suggest. Bard can explain. Bard can brainstorm. Bard can draft text. Bard can code (and debug). Bard can search."

    The responses Bard generated were reasonable and might have required only a little editing and correction to be usable.

    Google makes it easy to move Bard text elsewhere. Select the response export button to move content to either a new Google Doc or Gmail. Alternatively, select the More button (the three vertical dots), then choose Copy to place the response text on the system clipboard for pasting into any app of your choice.

    Bard can search

    Since Bard can access internet content, many conventional keyword searches will also work in Bard. Ask about current news topics, weather forecasts or pretty much any standard keyword search string. However, Bard will provide responses mostly in conventional text, sometimes supplemented with images, whereas Google search may show content in custom formats (e.g., weather forecasts often display a chart). When you seek a set of links, switch out of Bard back to a standard Google search.

    As of September 2023, people who sign in to Bard with personal Google accounts may optionally enable extensions. These extensions allow Bard to draw data from other Google services, including Google Flights, Hotels, Maps, Workspace (Gmail, Docs and Drive) and YouTube.

    Bard can be wrong

    Bard can get things wrong. Select the Double-check Response to take the generated text, search Google for it and then highlight supporting sources in light green and those not found in light orange. Never rely solely on content provided in Bard responses without verification. When Bard does provide an inaccurate, misleading or inappropriate response, select the thumbs down icon to convey to the system that it provided a bad response. Remember, Bard is an experiment.

    What are Bard’s limitations?

    Google labels Bard as an experiment and declares “it will make mistakes.” Even the Double-check It with Google feature may make mistakes. As a generative AI chatbot, Bard provides content that may seem accurate, but it should always be considered carefully, reviewed thoroughly and checked before use.

    In addition, Bard has a limited context window, which means that it may “forget” content in a long conversation.

    When was Google Bard released?

    At launch in March 2023, Google limited Bard access via a waitlist to people with personal Google accounts. In early May 2023, Google eliminated the waitlist and made Bard more widely available.

    How can you get access to Google Bard?

    To access Bard, go to https://bard.google.com in a web browser, and sign in with a Google account (Figure A).

    Figure A

    Screenshot of Google Bard interface. Go to bard.google.com in any modern browser, then sign in with a Google account.

    If your account is managed by a Google Workspace administrator, such as an account for work or school, the administrator may adjust settings to either allow or prevent access to Bard. Check with your administrator, should you have any questions.

    If you are a Google Workspace administrator and wish to review or adjust the settings that affect Bard availability for people in your organization, access the Admin console | Apps | Additional Google services | Early Access Apps, then modify the Service status and Core Data Access Permissions as desired.

    On October 4, Google announced that Bard features will come to Android and iOS devices. Assistant with Bard will allow multimodal interpretation, i.e. analysis of text, audio or video, and reply to natural language questions. Assistant with Bard will be available to early testers “soon,” Google said.

    What countries and languages is Google Bard available in?

    Bard is available in more than 230 countries and territories, including all 27 European Union countries (e.g., Germany, France, Italy and Spain) as well as Brazil.

    More must-read AI coverage

    Bard is available in more than 40 languages. And, according to Google’s support pages, Bard supports not only seven of the most widely spoken languages — English, Chinese (Simplified/Traditional), Hindi, Spanish, Arabic, Bengali and French — but also Japanese, Korean, Bahasa Indonesia, Bulgarian, Croatian, Czech, Danish, Dutch, Estonian, Farsi, Finnish, German, Gujarati, Greek, Hebrew, Hungarian, Italian, Kannada, Latvian, Lithuanian, Malayalam, Marathi, Norwegian, Polish, Portuguese, Romanian, Russian, Serbian, Slovak, Slovenian, Swahili, Swedish, Tamil, Telugu, Thai, Turkish, Ukrainian, Urdu and Vietnamese.

    Can I manage my Bard activity history?

    Yes, Google gives you control over your Bard activity history, much as it does your search and browsing history. To adjust the settings, select the Activity icon (a clock surrounded by a counter-clockwise pointing arrow and line) from the upper-right area. Then, you may choose whether Bard Activity history is on or off (Figure B).

    Figure B

    While access to previous prompts can be helpful, Google gives you full control over whether or not your Bard Activity history is stored. While access to previous prompts can be helpful, Google gives you full control over whether or not your Bard Activity history is stored.

    If on, you may choose to Auto-delete activity after three, 18 or 36 months or not at all. Additionally, you may access your Bard activity history, which can be helpful if you wish to review or rerun a previous prompt.

    Is Google Bard free to use?

    Yes, Google Bard is available to use for free. Google Bard is free of advertising as well.

    Is it safe to use Google Bard?

    Google requires you to be 18 years of age or older to use Bard. An administrator must specifically choose to allow access to Bard for accounts connected to a Google Workspace organization. Even if allowed, you should make sure your use of Bard complies with your organization’s policies.

    Google takes measures to make Bard useful and helpful but also prominently notes that the system “may display inaccurate or offensive information that doesn’t represent Google’s views.” To preserve privacy, do not share any personal or private information with Bard in your prompts.

    Is Google Bard using PaLM 2?

    In May 2023, Google announced that Bard had switched to using Pathways Language Model 2 rather than Language Model for Dialogue Applications. Google promotes PaLM 2 as a ” … state-of-the-art language model with improved multilingual, reasoning and coding capabilities.”

    SEE: Learn how to successfully use ChatGPT.

    Google plans to make PaLM 2 available in four distinct sizes: Gecko, Otto, Bison and Unicorn. The distinct sizes are intended to serve a wide range of computing environments. The smallest, Gecko, is intended to be functional even on a mobile device without an internet connection.

    How does Google Bard get its information?

    Bard is a large language model by Google that is built from vast data sets; Google also designed Bard to be able to access the internet. This combination of capabilities lets Bard devise natural language responses that include relevant current data in response to a prompt.

    Bard also gets information from Gemini, Google’s multimodal generative AI model released in December. Gemini Pro for Bard is available now in English for text-based prompts.

    Bard uses PaLM 2 in languages other than English. On Dec. 6 Google Product Director Jack Krawczyk said Google was working on a “clearer indication in bard of which model is serving you.”

    Google expects to release Gemini Ultra, a more capable model which can analyze and generate audio, code and video as well as text, in a beta test program of Bard Advanced in early 2024.

    What are alternatives to Google Bard?

    The ability to access current internet content is a key differentiator between Google Bard and many other chatbot AI systems. Many large language model chatbot systems were trained on older data and lack access to information about current events. This inability to browse the internet limits the usefulness of many of these systems.

    Four alternatives to Bard that can access current internet content and are worth exploring are:

    Another alternative to Bard that lacks access to current internet content is:

  • Claude: Available free with an account, with optional Claude Pro features available for $20 per month.

  • Is ServiceNow Stock a Top Buy for 2024?

    Someone forgot to tell ServiceNow (NOW 0.64%) that the cloud software industry has been slowing down in 2023. The digital transformation platform's revenue growth has actually been accelerating throughout the last year, and the stock has picked up steam as 2024 approaches. Shares of ServiceNow are up 80% in 2023 with just weeks left to go until the new year.

    A high valuation has prevented many investors from pulling the trigger on buying this top cloud stock. After an epic run, is it still a top buy for 2024?

    A next-gen platform for the future of work

    ServiceNow provides numerous solutions for businesses to manage their workforce and customer experiences. Its platform spans digital workflow management tools, from AI that helps find bottlenecks that are slowing down the completion of tasks to cloud observability solutions that help with app performance.

    ServiceNow landed on the radar of many investors this past summer after an expanded partnership was struck with Nvidia. ServiceNow said it would adopt Nvidia's latest and greatest AI systems to Boost its own platform, and in turn, Nvidia would expand its use of ServiceNow in its own workflow management for developing more powerful chips and generative AI systems.

    This type of AI used to automate more employee tasks is powering "digital transformation" among big customers. In a year like 2023 where cost-cutting has been a top priority in the corporate world, it's helped keep demand high for ServiceNow's software. And, after the bear market of 2022, the company's revenue growth has been ratcheting up again.


    Total Revenue

    Increase (YOY)


    $5.9 billion



    $7.25 billion


    Q1 2023

    $2.1 billion


    Q2 2023

    $2.15 billion


    Q3 2023

    $2.29 billion


    Data source: ServiceNow. YOY = year over year.  

    Even better, though, has been ServiceNow's rapid progress on profitability. Generally accepted accounting principles (GAAP) income from operations was $492 million in the first nine months of 2023, compared to just $200 million in the same period in 2022. Free cash flow (FCF) was $1.36 billion in the first nine months of 2023 (a healthy FCF profit margin of 21%), with the discrepancy between GAAP profitability primarily driven by employee stock-based compensation.

    As for that employee stock-based compensation, ServiceNow management reported it repurchased $282 million worth of stock in Q3 2023. This is part of the company's first-ever stock repurchase program, which is aimed at offsetting the impact of dilution from ongoing employee stock-based compensation. About $1.2 billion worth of stock repurchase authorization remained at the end of the quarter.

    Expect some turbulence, but a top cloud stock for the long term?

    After the big run-up in stock price in 2023, ServiceNow trades for a high premium of 90 times trailing-12-month earnings per share, or about 60 times trailing-12-month FCF. Of course, part of the premium exists because ServiceNow's profit margins are expected to rise rapidly over the course of the next few years. To wit, shares trade for a bit more reasonable 55 times Wall Street analysts' expectation for 2024 earnings per share.

    ServiceNow is nevertheless an expensive stock as they head into the new year. That can cause some turbulence in stock price, including steep sell-offs if ServiceNow misses some short-term financial estimates from one quarter to the next.

    However, given the company's fast-and-steady growth for years, and leadership in cloud-based and AI-powered software, investors are rightfully optimistic about the business's trajectory. As I explained this time last year, I think a stock like ServiceNow is best bought in batches over the course of time, perhaps using a dollar-cost averaging plan. This still seems like the right strategy for those investors interested in the long-term potential (a decade and beyond) for ServiceNow.


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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 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.


    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:


    • 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


    • 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