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 : CPIM-MPR
Exam Name : Certified in Production and Inventory Management - Master Planning of Resources
Vendor Name : APICS
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CPIM-MPR exam Format | CPIM-MPR Course Contents | CPIM-MPR Course Outline | CPIM-MPR exam Syllabus | CPIM-MPR exam Objectives
Exam Details for CPIM-MPR Certified in Production and Inventory Management - Master Planning of Resources:
Number of Questions: The CPIM-MPR exam typically consists of 75 multiple-choice questions.
Time Limit: The exam has a time limit of 3.5 hours (210 minutes).
Course Outline:
The CPIM-MPR certification exam focuses on assessing the knowledge and skills required for effective master planning of resources in the field of production and inventory management. The course outline covers the following key topics:
1. Demand Management:
- Understanding demand forecasting techniques
- Demand management process and methodologies
- Sales and operations planning (S&OP)
- Collaborative demand planning and management
2. Sales and Operations Planning (S&OP):
- S&OP principles and processes
- Developing an aggregate production plan
- Capacity planning and management
- S&OP performance measurements and analysis
3. Master Scheduling:
- Master scheduling process and objectives
- Time fences and order promising
- Managing material and capacity availability
- MPS (Master Production Schedule) creation and maintenance
4. Material Requirements Planning (MRP):
- MRP concepts and calculations
- Bill of Materials (BOM) and product structure
- Inventory management and control
- MRP inputs, outputs, and reports
5. Capacity Requirements Planning (CRP):
- Capacity planning and management
- Resource requirements and availability
- CRP calculations and analysis
- Load leveling and capacity utilization
6. Planning for Purchasing and Materials Management:
- supplier relationship management
- Vendor selection and evaluation
- Purchasing process and procedures
- Inventory management techniques
Exam Objectives:
The CPIM-MPR exam aims to assess the following objectives:
1. Understanding of demand management principles and techniques.
2. Proficiency in sales and operations planning (S&OP) and aggregate production planning.
3. Knowledge of master scheduling techniques and master production schedule (MPS) management.
4. Competence in material requirements planning (MRP) and inventory management.
5. Familiarity with capacity requirements planning (CRP) and capacity management.
6. Understanding of purchasing and materials management principles and practices.
Exam Syllabus:
The CPIM-MPR exam covers the following syllabus:
1. Demand Management
- Demand forecasting techniques
- Demand management process and methodologies
- Sales and operations planning (S&OP)
- Collaborative demand planning and management
2. Sales and Operations Planning (S&OP)
- S&OP principles and processes
- Developing an aggregate production plan
- Capacity planning and management
- S&OP performance measurements and analysis
3. Master Scheduling
- Master scheduling process and objectives
- Time fences and order promising
- Managing material and capacity availability
- MPS (Master Production Schedule) creation and maintenance
4. Material Requirements Planning (MRP)
- MRP concepts and calculations
- Bill of Materials (BOM) and product structure
- Inventory management and control
- MRP inputs, outputs, and reports
5. Capacity Requirements Planning (CRP)
- Capacity planning and management
- Resource requirements and availability
- CRP calculations and analysis
- Load leveling and capacity utilization
6. Planning for Purchasing and Materials Management
- supplier relationship management
- Vendor selection and evaluation
- Purchasing process and procedures
- Inventory management techniques
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APICS Certified information source
Certification For Open Source Hardware AnnouncedToday at the Open Hardware Summit in Portland, Alicia Gibb and Michael Weinberg of the Open Source Hardware Association (OSHWA) launched the Open Source Hardware Certification program. It’s live, and you can certify your own hardware as Open Hardware right now. What Is Open Source Hardware?Open Source Hardware can’t be defined without first discussing open source software. At its very core, open source software is just a copyright hack, enabled by a worldwide universal computer network. The rise of open source software is tied to the increasing ease of distributing said software, either through BBSes, Usenet, and the web. Likewise, Open Source Hardware is tied to the ease of distributing, modifying, and building hardware. In the 1980s, there were no services that could deliver a custom circuit board to anywhere on the planet for a dollar per square inch. When open software began, CNC machines were expensive tools, now you can build a very good machine for just a week’s wages. They are currently living at the dawn of Open Source Hardware, enabled by the creation of Open Source design tools that have themselves been used to create physical tools. Inexpensive 3D printers, open source oscilloscopes, circuit board plotters, and the entire hackerspace movement are as revolutionary as the Internet. These devices and the Internet are the foundations for Open Hardware and software, respectively. The objections to why hardware is incompatible with Open Source no longer apply and small-scale manufacturing techniques are only going to get better. Open source is a moral imperative in the truest Kantian sense of the word. It is a good unto itself. Of course, this means open source is also mind-numbingly prescriptivist. Holy scrolls have defined dozens of different open source licenses. The relevant license for Open Source Hardware has already been laid out to define the freedoms and responsibilities of all Open Source Hardware creators. Open Source Hardware is a tangible thing, from a laptop to a lampshade, whose design is available so anyone can make, modify, distribute, and sell that thing. Native documentation is required, and software required to run this thing must be based on an OSI-approved license. The definition of Open Source Hardware has been around for a few years now, and since then the community has flourished, there’s a great gear logo, and you can buy real, functional hardware that bills itself as Open Source Hardware. It’s become a selling point, and this has become a problem. Many hardware creators don’t adhere to the definition of Open Source Hardware. In some cases, the design files simply aren’t available. If they are, they could be unmodifiable. The software used to create these design files could cost thousands of dollars per seat. This is the problem the movement faces — Open Source Hardware must have a certification program. Unlike open source software, where the source is almost proof enough that a piece of software complies with an open source license, hardware does not have such obvious assurances. Software Is Closed By Default, Hardware Is Open And The Licenses Are HarderAll software is closed by default. Anything written is covered by copyright, and the developers of open source software choose to license their works under an open source license. Open source software, then, is a copyright hack, enabled because all software is closed by default. Hardware, on the other hand, is open by default. If you build a device to automatically inject epinephrine intramuscularly, you must go out of your way to patent your device. Only a patent will provide you the ability to license your work, and before that patent is published anyone can make their own epinephrine pen. If you build something with an FPGA, the code that programs the FPGA is covered by copyright, but an arbitrary circuit that uses that FPGA isn’t. Any generic piece of Open Source Hardware could be covered under patents, trademarks, and a dozen licenses. Therefore, an Open Source Hardware license is impractical. This is why OSHWA is not releasing an Open Source Hardware license, and instead creating an Open Source Hardware certification program. No Open Source Hardware license could cover every edge case, and a certification is ultimately the only solution. The Open Source Hardware Certification ProgramAt last year’s Open Hardware Summit, OSHWA formally announced the creation of the Open Hardware Certification program. Now, this program is live, and the certification database will growing very, very quickly. At its heart, the Open Source Hardware Certification program is pretty simple — create hardware that complies with the community definition of Open Source Hardware. The theoretical basis for the need of an Open Source Hardware license is the fact that anyone is able to manufacture hardware. Of course, there are limits to technology and no one has a 14nm silicon fab line in their garage. This is a problem for any piece of Open Source Hardware, and the technical capability for anyone to recreate integrated circuits and other high technologies is the sole source of the traditional objections to any open hardware license. Garage-based fabrication is always improving, though, but closed hardware in the form of NDA’d chips will remain a problem for years to come. The clearest example of the problem with closed-source chips is bunnie’s Novena laptop. This laptop is designed as both a hacker’s laptop and an artifact of Open Hardware. Although most of the chips used in the Novena are available without signing NDAs, open source, and blob-free 3D graphics acceleration was unavailable when the laptop launched. This non-open graphics problem will be fixed with open source drivers, but it does illustrate the problem of Open Source Hardware. Even though chips might be available, there might be binary blobs required for full functionality. You can build an Open Hardware chip in VHDL, but it’s not really open if you have to use closed-source FPGA dev tools. OSHWA’s solution to this problem is simply asking for hardware creators to act in good faith. The certification program won’t knock points off for using closed source binary blobs if that’s the only way of doing something. Open Source Hardware is just slightly more aware of the pace of technical progress, and what is closed today may be open tomorrow. Building a piece of Open Source Hardware isn’t an all or nothing proposal; just provide your best effort to make it open, and technology or reverse engineers will probably make it more open in the future.
The old Open Source Hardware ‘gear’ logo — unquestionably a better logo — will still remain in use, and no one is going will look down on you for using it. Using the trademarked OSHW logo, though, is the only way any certification program can be enforced. The Objections To Open Source HardwareOf course, the Open Source Hardware Certification program has been more than two years in the making, and that’s time enough for a few people to start having very strong opinions about it. A few years ago, Saar Drimer of Boldport said he won’t be using the Open Source Hardware logo on his boards. This is despite the fact that he loves Open Source Hardware, has written open source PCB design software, and offers a 20% discount on open source contract work. His reason is simple: adding a logo brings baggage, and building Open Source Hardware is not mutually exclusive with putting a logo on a board. Dave Jones is a big supporter of Open Hardware, but he realizes the famous gear logo is becoming meaningless through abuse. You need only look back on the last twenty or thirty years of the world of Open Source Software to get a sense of where Saar and Dave are coming from; Stallman does not believe in a moral imperative to Open Hardware, whereas most everyone in attendance of today’s Open Hardware Summit does. Gnome versus KDE is nothing compared to the religious war they potentially face between various Open Hardware philosophies. The Open Source Hardware community is relearning what the open source software community learned twenty years ago. They can only hope to learn from their missteps. But Open Source Hardware has a much bigger obstacle to adoption than politicking and empire building. Open source software is a simple concept — you have a (copy) right to whatever software, music, words, or boat hull designs you create. You can, therefore, provide others the right to use, study, share, and modify that work. Physical objects and artifacts do not have copyright, they have patents. Patent law in the United States is atrocious, and just because you were the first to create a useful invention doesn’t mean a patent would be invalidated. This is the greatest challenge to anything developed as Open Source Hardware. The only solution to this is prior art and patent inspectors that know where to look. This Will Take a While to Work OutThe Open Source Hardware Certification program is going to take a while to unravel. OSHWA doesn’t believe this certification program will be a repository used by patent inspectors looking for prior art. The legal basis for the certification is literally built upon every piece of intellectual property law. It is, perhaps, an answer to the most complex legal questions ever: what is property, what is intellectual property and can the concept of physical things be given away. No one has an answer to these questions, or at least an answer that can be summed up in one-page FAQ. The Open Source Hardware Certification program is an attempt to answer these questions, and so far it’s the best attempt yet. None of this matters unless the community gets behind it, and if another competing Open Source Hardware certification or license pops up, the community may very well migrate to that. Judging from the last thirty years of open source software license drama, they can only hope that the community figures this out the first time, and they hope this certification program is a rousing success. The Importance of Information Sources at the WorkplaceLainie Petersen writes about business, real estate and personal finance, drawing on 25 years experience in publishing and education. Petersen's work appears in Money Crashers, Selling to the Masses, and in Walmart News Now, a blog for Walmart suppliers. She holds a master's degree in library science from Dominican University. Guaana: Welcome to the Era of Open Source InformationSo. Science Has A ProblemLet's be honest, it's not easy being a scientist. From science deniers to sensationalist reporting to funding refusals...it sometimes seems like the world is rather determined to undermine science at every possible opportunity. Fortunately, there are a number of individuals who are working to combat this troubling trend. Guaana is one such company. Ultimately, science is all about the sharing of knowledge and information—breakthroughs can't happen if experts don't have access to the latest advancements; however, paywalls and corporate funding and a host of other obstacles crop up that prevent scientists from speaking to one another and accessing necessary information. How do they fix this? How can they better share their knowledge to accelerate the next generation of scientific and technological breakthroughs? This is the fundamental question that helped make Guaana what it is; it is what prompted them on their quest to bring forth a new era of open source information and collaboration to the sciences. A New Way to NetworkIn short, Guanna is a platform for scientists and researchers to come together and connect with like-minded individuals and build on each other's ideas...it is a platform for making connections, forming collaborations to make science happen. It's about trying to connect the dots in a way they haven’t been (or couldn't have been) connected before. In image: Guaana CEO Marko Russiver, Guaana CTO Edgar Aronov, Matilde the CatMarko Russiver, Guaana's CEO and cofounder, clarifies by noting that this is more than just a place to post research—it is a community of scientists working together towards a common end: "We didn't want to build a digital archive of knowledge, it's more like a buzzing saloon of people talking, sharing knowledge, and really working together." Indeed, Russiver states that, ultimately, the company is all about the generation of scientific knowledge: "A majority of research papers published today are written to justify the received grant money instead of talking about practical, important science. This practice has alienated scientists from each other and companies...we're solving this by enabling them to work on projects they are passionate about and that actually matters." So, how does it differ from other platforms or web forums (Researchgate, for example)? Russiver begins by noting some of the issues that plague forms that are (supposedly) dedicated to the advancement of scientific research. As Russiver notes, “There have been a number of instances where platforms have abused scientific research papers and, sadly, used scientists as member base growth drivers.” Guaana asserts that they are all about respecting the individual. " We don't use the smartest people on Earth to make ourselves look good. They empower them so they could do their job better, faster and with full support of individuals such as themselves in the fields they care about." Additionally, Russiver notes that most social networks revolve around authored content and past research papers. "But science shouldn’t be about what you did 15 years ago. It should be about what you do now. About finding opportunities to discuss and develop your bold ideas and make them happen." Guaana also helps by working with the scientists who use the platform from the moment that they first join: "It's not just the tools and the features on the platform....we have around 20 research campaigns published so far, but they have 68 in the back. This is because they are working with the project proposers to ensure that they are both clear and high quality, even making intros to relevant people from their own personal networks before the project goes live.” In short, Russiver clarifies, "If you come to Guaana to post a project, you are not going to be alone, their whole team works with you." He adds that this ultimately functions as a kind of 'vetting process,' which allows Guaana to verify identities and information and ensure that the work is sound. Filling in the Gaps Image credit: GuaanaRussiver asserts that Guaana came about after realizing how difficult it was for scientists to connect, and how long it takes for valuable research to come to light: "Scientific collaboration right now is really difficult. It takes quite a bit of determination to just reach the people that you need to. It all takes so much time, and what scientists should really be able to focus on is the research. So for us, what is important is trying to find ways to try and accelerate science so the breakthroughs could be applied rather sooner than later to solve real world problems.” Indeed, research often sits in the darkened corners of the internet for decades before it is finally uncovered by someone who puts it to use or makes those "breakthrough" connections. "Can you even imagine the stuff that just lies about in random laboratories around the world? There's all this information, and many don't know what to do with it because they don't talk about it...or if they do talk, they don't know who to talk to," Russiver states. “Touch-screen technology was sitting in CERN labs for 30 years before it ended up in everyone’s pocket.” And this is precisely what Guaana is hoping to help alleviate. Notably, one of the keys to the project is the feedback that the team has received from scientists. Russiver asserts that Guaana focused their efforts on determining the specific tools that scientists said that they needed, and then incorporating those things into their platform. "We connected with experts from CERN, NASA, the European Space Agency, and numerous individual scientists from around the world," Russiver begins. "We even managed to get a hold of several Nobel Prize laureates who showed their support for the concept. And when my childhood hero Jack Horner, known for his work as scientific advisory to Jurassic Park movies, said 'I quite frankly hope it actually does create some changes in how people think,' they felt they were ready to go." And it is completely free for scientists (and always will be). You can check them out, and sign up, here. |
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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