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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Salesforce CRT-251 : Sales Cloud Consultant ACTUAL EXAM QUESTIONS

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Exam Number : CRT-251
Exam Name : Sales Cloud Consultant
Vendor Name : Salesforce
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Our cheat sheet has helped a huge number of candidates successfully pass the CRT-251 test and secure lucrative positions in their respective organizations. However, their success is not solely attributed to their CRT-251 PDF Braindumps, but also to their enhanced knowledge and proficiency in real-world scenarios. They are committed to not just providing a comprehensive set of mock test to pass the CRT-251 exam, but also to improving understanding of CRT-251 Topics and objectives.

At killexams.com, they strive to clarify all CRT-251 course formats, syllabi, and objectives for candidates preparing for the Salesforce CRT-251 exam. Simply relying on the CRT-251 course textbook is not sufficient as one needs to be prepared for tricky situations and questions that may arise during the genuine CRT-251 exam. Therefore, they offer Free CRT-251 PDF test questions that can be downloaded from their website. They are confident that after reviewing their Sales Cloud Consultant questions, candidates will be eager to register and get the full version of their cheat sheet at an attractive discounted price. This will be the first step towards success in the Sales Cloud Consultant exam.

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CRT-251 test Format | CRT-251 Course Contents | CRT-251 Course Outline | CRT-251 test Syllabus | CRT-251 test Objectives


The CRT-251 exam, also known as the Sales Cloud Consultant certification exam, is offered by Salesforce. It is designed to validate the knowledge and skills of professionals working as sales consultants in implementing Sales Cloud solutions. Here is an overview of the test details, course outline, test objectives, and test syllabus for the CRT-251 exam:

Exam Details:
- Number of Questions: The CRT-251 test typically consists of multiple-choice and multiple-select questions. The exact number of questions may vary, but it is typically around 60.

- Time: Candidates are usually given a specific time limit to complete the CRT-251 exam. The allotted time is typically around 105 minutes.

Course Outline:
The CRT-251 test covers a range of Topics related to Sales Cloud implementation and configuration. The course outline typically includes the following key areas:

1. Sales Cloud Solution Design:
- Gathering and analyzing business requirements for sales processes.
- Designing and configuring Sales Cloud features and functionalities to meet specific business needs.
- Collaborating with stakeholders to define key performance indicators and metrics.

2. Sales Cloud Implementation:
- Configuring and customizing Sales Cloud objects, fields, and page layouts.
- Defining and managing sales processes, including lead management, opportunity management, and forecasting.
- Setting up and configuring sales productivity tools, such as email integration, activity management, and territory management.

3. Sales Cloud Analytics and Reporting:
- Creating and customizing reports and dashboards to provide actionable insights for sales teams and management.
- Implementing sales performance tracking and measurement.
- Analyzing sales data to identify trends, opportunities, and areas for improvement.

4. Sales Cloud Integration:
- Integrating Sales Cloud with other Salesforce products, such as Marketing Cloud or Service Cloud.
- Configuring data integration and synchronization with external systems.
- Implementing data security and access controls for sales data.

Exam Objectives:
The objectives of the CRT-251 test are as follows:
- Assessing candidates' understanding of Sales Cloud concepts, features, and capabilities.
- Evaluating candidates' ability to design and implement Sales Cloud solutions based on business requirements.
- Validating candidates' proficiency in configuring and customizing Sales Cloud features and functionalities.

Exam Syllabus:
The CRT-251 test syllabus covers various Topics related to Sales Cloud implementation and configuration. The specific syllabus may include:

1. Sales Cloud Solution Design:
- Gathering and documenting business requirements.
- Designing Sales Cloud solutions based on business needs.
- Collaborating with stakeholders to define success criteria.

2. Sales Cloud Implementation:
- Configuring and customizing Sales Cloud objects, fields, and page layouts.
- Implementing lead management, opportunity management, and forecasting.
- Setting up and configuring sales productivity tools.

3. Sales Cloud Analytics and Reporting:
- Creating and customizing reports and dashboards.
- Implementing sales performance tracking and measurement.
- Analyzing sales data for insights and decision-making.

4. Sales Cloud Integration:
- Integrating Sales Cloud with other Salesforce products and external systems.
- Configuring data integration and synchronization.
- Implementing data security and access controls.

The CRT-251 certification demonstrates proficiency in implementing Sales Cloud solutions and helping organizations optimize their sales processes using Salesforce technology. It is important for candidates to refer to the official Salesforce website or test guide for the most accurate and up-to-date information regarding the CRT-251 exam, including the number of questions, time limits, and test content.



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Salesforce Cloud test format

 

An extensive analysis on the Salesforce Marketing Cloud Consulting Service market with projected 6.8% CAGR growth from 2023 to 2030

This report on "Salesforce Marketing Cloud Consulting Service market" contains the data required to conduct a SWOT, PEST, and STEER analysis. It gives a better knowledge of market dynamics and industry competition. The Salesforce Marketing Cloud Consulting Service market is expected to grow annually by 6.8% (CAGR 2023 - 2030).

Salesforce Marketing Cloud Consulting Service Market Growth, its Size & Share

Market Growth:

  • The global Salesforce Marketing Cloud Consulting Service market has seen significant growth in exact years, driven by increasing demand from various industries.
  • Technological advancements, increasing consumer awareness, and government support are contributing to the market's growth.
  • The rise of new applications and increasing use of Salesforce Marketing Cloud Consulting Service in existing applications is driving the growth of the market.
  • Market Size:

  • The market is segmented based on type, application, end-user, and geography.
  • North America: United States, Canada, Europe: GermanyFrance, U.K., Italy, Russia,Asia-Pacific: China, Japan, South, India, Australia, China, Indonesia, Thailand, Malaysia, Latin America:Mexico, Brazil, Argentina, Colombia, Middle East & Africa:Turkey, Saudi, Arabia, UAE, Korea are the largest market for Salesforce Marketing Cloud Consulting Service and is expected to hold a significant share of the global market.
  • Market Share:

  • The Salesforce Marketing Cloud Consulting Service market is highly competitive, with several large and small players operating in the market.
  • Key players in the market include Coastal Cloud,SevenPoints,Algoworks,IBM,Wipro,Chetu,Simplus,Acumen Solutions,AppShark,Appcentrica,Cloudsquare,Mountain Point,Redpath Consulting Group,Red Sky,Salesforce,Accelerize 360,Avankia,Centric Consulting,Couch & Associates,ForceBrain,Grazitti Interactive,Mavens,NuAge Experts,Offprem Technology,Slalom Consulting,Tectonic,ACCESS GLOBLAL GROUP,Active Data Solutions,Ad Victoriam Solutions,Americaneagle.
  • The market share of these players varies depending on their size, product offerings, and geographical presence.
  • Companies are focusing on strategies such as collaborations, partnerships, and acquisitions to increase their market share and strengthen their position in the market.
  • The global Salesforce Marketing Cloud Consulting Service market size is projected to reach multi million by 2030, in comparision to 2021, at unexpected CAGR during 2023-2030 (Ask for demo Report).

    This entire report is of 141 pages.

    Get a demo PDF of the Report - https://www.reliablebusinessinsights.com/enquiry/request-sample/1153383

    What is Salesforce Marketing Cloud Consulting Service?

    Salesforce Marketing Cloud Consulting Service is a leading solution that caters to the marketing needs of businesses across various industries. As a Consultant or Industry expert, I believe that this service provides an incredible opportunity for businesses to optimize their marketing strategies and drive growth. With its comprehensive suite of tools, Salesforce Marketing Cloud empowers organizations to streamline their marketing efforts, automate personalized customer journeys, and deliver targeted messaging across multiple channels. Its market presence has witnessed significant growth, owing to its ability to enhance customer engagement, Excellerate campaign performance, and maximize ROI. The Salesforce Marketing Cloud Consulting Service market is expected to expand further as businesses increasingly recognize the importance of leveraging advanced marketing technologies to drive their success.

    Market Segmentation Analysis

    Salesforce Marketing Cloud Consulting Service is provided through both online and offline mediums. In the online service market, businesses can access consulting services remotely through digital platforms, allowing for convenience and flexibility. On the other hand, offline service market involves face-to-face interactions between consultants and clients, ensuring personalized and direct assistance. As for market application, large enterprises can leverage Salesforce Marketing Cloud Consulting Service to enhance their marketing strategies and customer engagement on a large scale. SMEs can also benefit from these services in optimizing their marketing efforts, improving customer targeting, and achieving business growth.

    Country-level Intelligence Analysis

    The Salesforce Marketing Cloud consulting service market has witnessed significant growth in various regions across the globe. In North America (NA), the market has thrived due to strong demand from the United States, which has a mature technology landscape and a large number of businesses adopting Salesforce solutions. The Asia-Pacific (APAC) region has also emerged as a significant player in the market, driven by the rising adoption of cloud-based technologies in countries like India and China. Europe has displayed substantial growth potential as well, with countries like the United Kingdom and Germany embracing Salesforce Marketing Cloud solutions.

    Overall, it is expected that North America and Europe will dominate the market, with a combined market share of around 60%. The United States, being the largest economy globally, will likely contribute a significant portion of this market share. China, with its expanding digital ecosystem, is anticipated to exhibit rapid growth and is projected to hold a substantial market share of around 20%. APAC as a whole is expected to account for approximately 25% of the market share, driven by the increased adoption of marketing automation and customer engagement solutions.

    It is crucial to note that these projections are subject to various factors, including the pace of technological advancements, government policies, and overall economic conditions. As the Salesforce Marketing Cloud market continues to evolve, businesses should closely monitor these regions for potential growth opportunities and tailor their strategies accordingly.

    Here is the list of regions covered: North America: United States, Canada, Europe: GermanyFrance, U.K., Italy, Russia,Asia-Pacific: China, Japan, South, India, Australia, China, Indonesia, Thailand, Malaysia, Latin America:Mexico, Brazil, Argentina, Colombia, Middle East & Africa:Turkey, Saudi, Arabia, UAE, Korea.

    Companies Covered: Salesforce Marketing Cloud Consulting Service Market

    Salesforce Marketing Cloud Consulting Services are provided by numerous companies, including Coastal Cloud, SevenPoints, Algoworks, IBM, Wipro, Chetu, Simplus, Acumen Solutions, AppShark, Appcentrica, Cloudsquare, Mountain Point, Redpath Consulting Group, Red Sky, Salesforce, Accelerize 360, Avankia, Centric Consulting, Couch & Associates, ForceBrain, Grazitti Interactive, Mavens, NuAge Experts, Offprem Technology, Slalom Consulting, Tectonic, ACCESS GLOBLAL GROUP, Active Data Solutions, Ad Victoriam Solutions, and Americaneagle.

    Among these companies, the market leaders in Salesforce Marketing Cloud Consulting Services include IBM, Salesforce, Accenture, PwC, and Deloitte. These market leaders have established themselves as trusted providers and have a large share of the Salesforce Marketing Cloud Consulting Services market.

    The new entrants in the market, such as Coastal Cloud, SevenPoints, and Algoworks, are emerging players that offer specialized services and innovative solutions to help businesses grow their Salesforce Marketing Cloud Consulting Services.

    These companies can assist in growing the Salesforce Marketing Cloud Consulting Services market by providing expert guidance, implementation services, customizations, integration with other platforms, training, support, and ongoing optimization. Their expertise in Salesforce Marketing Cloud allows businesses to harness its full potential and optimize their marketing efforts.

    Sales revenue of some of the listed companies:

    - IBM (2020): $ billion

    - Salesforce (2020): $ billion

    - Accenture (2020): $ billion

    - PwC (2020): $43 billion

    - Deloitte (2020): $ billion

    Please note that the revenue figures provided are for the overall company and not specifically for Salesforce Marketing Cloud Consulting Services.

  • Coastal Cloud
  • SevenPoints
  • Algoworks
  • IBM
  • Wipro
  • Chetu
  • Simplus
  • Acumen Solutions
  • AppShark
  • Appcentrica
  • Cloudsquare
  • Mountain Point
  • Redpath Consulting Group
  • Red Sky
  • Salesforce
  • Accelerize 360
  • Avankia
  • Centric Consulting
  • Couch & Associates
  • ForceBrain
  • Grazitti Interactive
  • Mavens
  • NuAge Experts
  • Offprem Technology
  • Slalom Consulting
  • Tectonic
  • ACCESS GLOBLAL GROUP
  • Active Data Solutions
  • Ad Victoriam Solutions
  • Americaneagle
  • Coastal Cloud
  • SevenPoints
  • Algoworks
  • IBM
  • Wipro
  • Chetu
  • Simplus
  • Acumen Solutions
  • AppShark
  • Appcentrica
  • Cloudsquare
  • Mountain Point
  • Redpath Consulting Group
  • Red Sky
  • Salesforce
  • Accelerize 360
  • Avankia
  • Centric Consulting
  • Couch & Associates
  • ForceBrain
  • Grazitti Interactive
  • Mavens
  • NuAge Experts
  • Offprem Technology
  • Slalom Consulting
  • Tectonic
  • ACCESS GLOBLAL GROUP
  • Active Data Solutions
  • Ad Victoriam Solutions
  • Americaneagle
  • Inquire or Share Your Questions If Any Before the Purchasing This Report - https://www.reliablebusinessinsights.com/enquiry/pre-order-enquiry/1153383

    The Impact of Covid-19 and Russia-Ukraine War on Salesforce Marketing Cloud Consulting Service Market

    The ongoing conflict between Russia and Ukraine, coupled with the aftermath of the Covid-19 pandemic, is likely to have significant consequences for the Salesforce Marketing Cloud Consulting Service market. Firstly, the unrest in the region might result in political and economic instability, potentially impacting businesses and investment in the area. This instability could lead to a reduced demand for consulting services as companies may prioritize other urgent matters.

    Moreover, the post-pandemic environment presents both challenges and opportunities for the market. While businesses may recover and resume their operations, the economic repercussions of the pandemic might result in constrained budgets for consulting services. As companies strive to adapt and rebuild, there could be a shift in focus towards cost-effective solutions, impacting the growth potential of the Salesforce Marketing Cloud Consulting Service market.

    However, as organizations increasingly realize the significance of digital transformation in a post-pandemic world, there may still be opportunities for growth. The need to strengthen online presence, enhance customer engagement, and optimize marketing strategies could drive demand for Salesforce Marketing Cloud Consulting Services.

    In terms of major beneficiaries, organizations that provide comprehensive and tailored consulting services, with expertise in implementing Salesforce Marketing Cloud solutions, are likely to gain an advantage. These companies can position themselves as trusted partners capable of leveraging technology to navigate the challenges posed by geopolitical tensions and the aftermath of the pandemic.

    Get Covid-19 Impact Analysis for the market research report - https://www.reliablebusinessinsights.com/enquiry/request-covid19/1153383

    Drivers and Constraints of Salesforce Marketing Cloud Consulting Service Market

    Due to how dynamic its surroundings are, many different factors could have an impact on the business's success, using theSalesforce Marketing Cloud Consulting ServiceSalesforce Marketing Cloud Consulting Service as an example. These factors aid in differentiating between drivers and constraints. Drivers are essential elements that can support the company's success and potential growth. High demand for a good or service, for instance, may have an impact on business growth.

    The business, though, is constrained, which prevents success and growth. Investment in growth initiatives may be more difficult, and their chances of success may be lower if the Salesforce Marketing Cloud Consulting Service company has limited access to capital and funding.

    These elements have an effect on the company Salesforce Marketing Cloud Consulting Service:

  • A market exists for the good or service being offered.
  • Merchandise location and competition
  • Numerous options exist for capital and financing.
  • The workforce here is incredibly gifted and knowledgeable.
  • the development of technology
  • The following restrictions apply to the Salesforce Marketing Cloud Consulting Service business:

  • In addition to capital, there is a lack of funding.
  • There are not enough talented people or qualified workers.
  • The market is oversupplied with goods and there is fierce competition
  • Merchandising and the state of the economy
  • Some Major Points from Table of Contents:

  • Report Overview
  • Global Growth Trends
  • Competition Landscape by Key Players
  • Data by Type
  • Data by Application
  • North America Market Analysis
  • Europe Market Analysis
  • Asia-Pacific Market Analysis
  • Latin America Market Analysis
  • Middle East & Africa Market Analysis
  • Key Players Profiles Market Analysis
  • Analysts Viewpoints/Conclusions
  • Appendix
  • Read full TOC -https://www.reliablebusinessinsights.com/toc/1153383#tableofcontents

    Future of Salesforce Marketing Cloud Consulting Service Market - Driving Factors and Hindering Challenges

    The Salesforce Marketing Cloud Consulting Service market is a dynamic and ever-changing industry, with new developments and advancements emerging regularly. As technology continues to evolve, so too does the demand for innovative and effective Salesforce Marketing Cloud Consulting Service solutions. While the future of the Salesforce Marketing Cloud Consulting Service market is promising, there are both driving factors and hindering challenges to consider.

    One of the most significant driving factors for the Salesforce Marketing Cloud Consulting Service market is the increasing adoption of digital technologies across all industries. As more businesses move online, the demand for effective Salesforce Marketing Cloud Consulting Service solutions to Excellerate their online visibility and reach their target audience is growing. Additionally, the rise of voice search and AI-powered assistants is creating new opportunities for Salesforce Marketing Cloud Consulting Service optimization.

    However, there are also several challenges to consider. One of the biggest hindering factors is the constantly changing search engine algorithms, which can make it challenging to keep up with the latest trends and best practices.

    Despite these challenges, the future of the Salesforce Marketing Cloud Consulting Service market remains bright. As businesses continue to invest in digital marketing and online visibility, the demand for effective Salesforce Marketing Cloud Consulting Service solutions is likely to increase.

    Market Segmentation (2023 - 2030)

    The worldwide Salesforce Marketing Cloud Consulting Service market is categorized by Product Type: Online Service,Offline Service and Product Application: Large Enterprises,SMEs.

    In terms of Product Type, the Salesforce Marketing Cloud Consulting Service market is segmented into:

  • Online Service
  • Offline Service
  • Online Service
  • Offline Service
  • Purchase this Report (Price 2900 USD for a Single-User License) -https://www.reliablebusinessinsights.com/purchase/1153383

    In terms of Product Application, the Salesforce Marketing Cloud Consulting Service market is segmented into:

    The available Salesforce Marketing Cloud Consulting Service Market Players are listed by region as follows:

  • North America:
  • Europe:
  • Germany
  • France
  • U.K.
  • Italy
  • Russia
  • Asia-Pacific:
  • China
  • Japan
  • South Korea
  • India
  • Australia
  • China Taiwan
  • Indonesia
  • Thailand
  • Malaysia
  • Latin America:
  • Mexico
  • Brazil
  • Argentina Korea
  • Colombia
  • Middle East & Africa:
  • Turkey
  • Saudi
  • Arabia
  • UAE
  • Korea
  • North America:
  • Europe:
  • Germany
  • France
  • U.K.
  • Italy
  • Russia
  • Asia-Pacific:
  • China
  • Japan
  • South Korea
  • India
  • Australia
  • China Taiwan
  • Indonesia
  • Thailand
  • Malaysia
  • Latin America:
  • Mexico
  • Brazil
  • Argentina Korea
  • Colombia
  • Middle East & Africa:
  • Turkey
  • Saudi
  • Arabia
  • UAE
  • Korea
  • Following are a few examples of the customisation requests:

    Customisation requests are a common occurrence in many industries, particularly in the competitive Salesforce Marketing Cloud Consulting Service market. Customers have unique needs and preferences, and businesses must strive to meet these requirements to stay relevant and competitive. Here are a few examples of the customisation requests that businesses in the Salesforce Marketing Cloud Consulting Service market may receive:

    Customised Products: Many customers want products that are tailored to their specific needs or preferences. For example, in the Salesforce Marketing Cloud Consulting Service market, customers may ask for customised products such as custom-built computers, personalised software packages, or bespoke web design services.

    Special Packaging: Customers may also request special packaging options for their products. This could include customised product labels, packaging materials, or branded boxes. In the Salesforce Marketing Cloud Consulting Service market, for example, a customer may request special packaging for a premium product to make it stand out from the competition.

    Unique Marketing Strategies: To stay ahead of the competition, businesses may also need to customise their marketing strategies. Customers may request unique marketing tactics, such as targeted social media campaigns or personalised email marketing.

    Key Questions Covered in this Salesforce Marketing Cloud Consulting Service Market Research Report

  • What is the expected impact of new market entrants on the Salesforce Marketing Cloud Consulting Service market?
  • What are the major geographic regions driving growth in the Salesforce Marketing Cloud Consulting Service market?
  • What are the most significant challenges facing companies operating in the Salesforce Marketing Cloud Consulting Service market?
  • What are the most important technological innovations impacting the Salesforce Marketing Cloud Consulting Service market?
  • How are companies in the Salesforce Marketing Cloud Consulting Service market addressing environmental sustainability concerns?
  • Purchase this Report (Price 2900 USD for a Single-User License) -https://www.reliablebusinessinsights.com/purchase/1153383

    Contact Us:

    Name: Mahesh Patel

    Phone: USA:+1 951 407 0500

    Email: sales@reliablebusinessinsights.com

    Company Name: Reliable Business Insights

    Website: https://www.reliablebusinessinsights.com/

    More Reports Published By Us:

    Global Salesforce Pardot Consulting Service Market Research Report 2023

    Global Salesforce Training Service Market Research Report 2023

    Global Service Cloud Consulting Service Market Research Report 2023

    Global SAP BI Consulting Service Market Research Report 2023

    Source:

    Press Release Distributed by Prime PR Wire

    To view the original version on Prime PR Wire visit An extensive analysis on the Salesforce Marketing Cloud Consulting Service market with projected 6.8% CAGR growth from 2023 to 2030

    COMTEX_437417386/2788/2023-07-27T03:05:55

    © 2023 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.


    OnTask Announces OnTask eSignature for Salesforce on Salesforce AppExchange, the World's Leading Enterprise Cloud Marketplace

    No result found, try new keyword!Comments on the News About Salesforce AppExchange Salesforce AppExchange, the world’s leading enterprise cloud marketplace, empowers companies, developers and entrepreneurs to build, market and ...
     


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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