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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Software-Certifications CSBA : Certified Software Business Analyst ACTUAL EXAM QUESTIONS

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Exam Number : CSBA
Exam Name : Certified Software Business Analyst
Vendor Name : Software-Certifications
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CSBA test Format | CSBA Course Contents | CSBA Course Outline | CSBA test Syllabus | CSBA test Objectives

Learning Objectives

The following objectives identify what you will be able to do after the completion of each module.

1.1 Terms and Definitions (K2)

LO-1.1.1 Know the key concepts of Business Analysis (K1)

LO-1.1.2 Know the role of Business Analysis in organizations, programs and projects (K1)

LO-1.1.3 Understand objectives of Business Analysis in the different phases of the product life
cycle (K2)

LO-1.1.4 Know the main knowledge areas in Business Analysis (K1)

1.2 Role of a Business Analyst (K2)

LO-1.2.1 Explain the role and responsibilities of a Business Analyst in terms of an
organization and a project (K2)

LO-1.2.2 Understand how the Business Analyst interfaces with other roles within an
organization and program/projects stakeholders (K2)

1.3 Overview of the Business Analysis Activities (K1)

LO-1.3.1 Know the main activities of Business Analysis (K1)

1.4 Competencies (K2)

LO-1.4.1 Summarize the main competencies of a Business Analyst (K2)

LO-1.4.2 Understand the meaning of soft skills in the profession of Business Analysis (K2)

This syllabus defines the foundation level (Foundation Level) of the program to become an IQBBA
Certified Business Analyst (CFLBA). IQBBA developed this syllabus in cooperation with the Global
Association for Software Quality (GASQ).

The syllabus serves as a foundation for training providers who are seeking accreditation. All areas of
this syllabus must be incorporated in the training documents. The syllabus should, however, also serve
as the guideline for preparing for certification. All the areas listed here are relevant for the examination.

Providers of an IQBBA Certified Business Analyst course must be accredited. IQBBA accreditation is
granted after an expert panel reviews the training provider's documentation. An accredited course is
one that is determined to conform to the syllabus. When an accredited course is given, an official
Certified Business Analyst examination (CFLBA exam) may be administered. An test may also be
administered by an independent certification institute (according to ISO 17024 rules).

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5 Best Asset Management Software Of 2024

To make the best asset management software choice for your organization, you need to consider your specific business needs and requirements. Here are a few critical questions that you should ask when exploring asset management software options:

  • What types of assets does the software support, such as fixed, digital, and information technology (IT)?
  • How user-friendly is the software?
  • What is the total cost I’ll incur when using the software?
  • Can I increase or decrease asset management capacity as my needs change?
  • How hard is it to implement the software?
  • What level of support is offered by the vendor?
  • Is the software compatible with the other software and systems I’m using?
  • Can I customize the software to my organization’s unique needs?
  • Can I access the software from a mobile device?
  • What kind of reporting and analytics can I expect from the software?
  • How secure is the software?
  • We also recommend researching the vendor’s reputation and track record to ensure it consistently delivers the exceptional quality you expect. The five asset management software options listed in this Forbes review—Asset Panda, ManageEngine AssetExplorer, MMSOFT Pulseway, GoCodes and Ivanti— are all top solutions that offer a full suite of essential features that make these providers worthy of a closer look.

    Types of Asset Management Software

    Several different categories of asset management software are available, each directed to specific needs. It’s vital that you select the solution that best fits your organization’s business requirements. Here are five popular types of asset management software:

  • Fixed asset management (FAM) software: FAM software is designed for managing physical assets, such as vehicles, machinery, tools, furniture and equipment.
  • Digital asset management (DAM) software: DAM software manages digital assets, including images, audio files, videos and multimedia content. Use DAM software for asset storage and organization, metadata management, asset sharing and distribution, asset tracking and usage analytics.
  • IT asset management (ITAM) software: ITAM software is designed for managing IT assets, including software licenses, computers, servers, printers, monitors and more.
  • Enterprise asset management (EAM) software: EAM software integrates with business enterprise systems to provide a centralized view of all organizational assets, including physical, digital, technology and financial assets.
  • Real estate asset management (REAM) software: REAM software is designed for tracking real estate assets and can be used for managing leases, tracking occupancy rates, scheduling property maintenance and monitoring real estate upgrades and repairs.
  • Essential Features

    The exact features you need in your asset management software will depend on the type of assets you intend to manage. Here is a list of top features found in many different types of asset management solutions:

  • Maintenance management: This feature helps you track when assets are due for maintenance and documents all maintenance activity in a centralized log.
  • Barcode and RFID tracking: Tracking assets using barcode or RFID technology makes managing and locating assets easier and is especially helpful when managing a large number of assets.
  • User permissions and controls: If you need to establish different access levels for different types and levels of users, you’ll need software that has robust permission and control features.
  • Asset utilization tracking: Knowing which assets are overutilized or underutilized helps you make better-informed asset acquisition decisions.
  • Automated alerts and notifications: The best asset management software will alert you to problems and notify you of upcoming events, such as maintenance required or software license renewal dates.
  • Multilingual support: This feature is essential if your users and software administrators speak and read multiple languages.
  • Mobile access: If accessing and deploying your software on the go is important, then you’ll need software with easy, reliable mobile access.
  • Budget tracking and forecasting: Some software not only helps you keep track of purchase costs but also helps you track forecastable future costs.
  • Real-time asset monitoring: This feature lets you check if an asset is currently in use and can also help you determine if assets are missing.
  • Geolocation tracking: For assets that are often on the move—such as vehicles and expensive equipment—real-time GPS asset monitoring can help you prevent theft or asset loss.
  • Asset disposal management: Your asset management software should have a way of tracking asset disposal dates and disposal methods.
  • System Compatibility and Integrations

    You want to be confident that the asset management software you select is compatible with your company’s technology and software, including your current operating system. The software provider should deliver you a detailed list of system requirements necessary to run the software.

    Get clear on what’s expected from your team and what you can count on your software provider to do for you. For example, consider whether your IT team will be responsible for software installation and updates or whether that is handled through the provider. Also, make sure you understand where the software will be hosted—on a web server or cloud-based—and who will be hosting the software—your company or the software provider.

    Finally, asset management software should provide extensive security features to protect your assets and sensitive data from unauthorized access, loss or corruption. Top security features include secure data encryption, two-factor authentication, firewalls and intrusion detection, secure data backups, and regular security updates and patches.

    Analytics and Reporting

    Strong analytics and reporting are crucial to making smart asset purchase and allocation decisions. Your asset management software should provide a full range of analytics and reporting capabilities that will help you gain insights into asset usage, performance, costs and other trends that are relevant to your business.

    You may want to track and analyze:

  • Usage patterns
  • Maintenance history
  • Repair history
  • Total asset life cycle costs
  • Total asset inventory value
  • Asset compliance requirements
  • Performance patterns, such as downtime and overall utilization rates
  • Specific patterns by individual users, including asset check-in and check-out
  • You also want to ensure that your software provides robust reports that will deliver you greater visibility into the total value of your deployed assets and will help you make more informed asset decisions. Check out what types of reports are available—and whether custom reports are offered—before purchasing asset management software.

    10 best CRM software in 2024

    Updated 5:01 a.m. UTC Jan. 2, 2024

    Customer relationship management (CRM) systems organize lead and client data.  CRM software automates sales processes, giving your reps more time to connect with leads and build better relationships.

    To determine the best CRM software, they reviewed 37 platforms and evaluated 88 individual plans. Their test included dozens of hours consulting with sales and customer service reps, researching user ratings and analyzing results based on 35 data points. They considered account and sales management features, ease of use and reporting tools.

    Best CRM software in 2024
  • Zoho CRM: Best for affordable AI-powered tools
  • Apptivo: Best multi-use CRM app
  • Agile CRM: Best customer engagement CRM
  • Monday.com: Best for sales and marketing task management
  • Nimble CRM: Best for comprehensive contact management
  • Salesforce: Best CRM for enterprises
  • HubSpot: Best CRM for unlimited sales reps
  • Zendesk Sell: Best for SMB sales management
  • pipedrive: Best for B2B account management
  • Salesmate: Best CRM with built-in global voice and text communications
  • Why trust their small business experts

    Our team of experts evaluates hundreds of business products and analyzes thousands of data points to help you find the best product for your situation. They use a data-driven methodology to determine each rating. Advertisers do not influence their editorial content. You can read more about their methodology below.

  • 51 companies reviewed.
  • 106 products reviewed.
  • 5,312 data points analyzed.
  • Best CRM software in 2024

    Best for affordable AI-powered tools

    Zoho CRM Learn More

    Get Estimates From Participating Partners

    Best multi-use CRM app

    Apptivo Learn More

    Get Estimates From Participating Partners

    Best customer engagement CRM

    Agile CRM Learn More

    Get Estimates From Participating Partners

    Best for sales and marketing task management

    Monday.com Learn More

    Get Estimates From Participating Partners

    Best for comprehensive contact management

    Nimble CRM Learn More

    Get Estimates From Participating Partners

    Best CRM for enterprises

    Salesforce Learn More

    Get Estimates From Participating Partners

    Best CRM for unlimited sales reps


    Best for SMB sales management

    Zendesk Sell Learn More

    Get Estimates From Participating Partners

    Best for B2B account management


    Best CRM with built-in global voice and text communications

    Salesmate Learn More

    Get Estimates From Participating Partners

    Best CRM software comparison

    We extensively research the key competitors within an industry to determine the best products and services for your business. Their experts identify the factors that matter most to business owners, including pricing, features and customer support, to ensure that their recommendations offer well-rounded products that will meet the needs of various small businesses.

    We collect extensive data to narrow their best list to reputable, easy-to-use products with stand-out features at a reasonable price point. And they look at user reviews to ensure that business owners like you are satisfied with their top picks’ services. They use the same rubric to assess companies within a particular space so you can confidently follow their blueprint to the best customer relationship management (CRM) software.

    The best CRM software has positive user reviews on customer review sites and app stores. Applicant tracking system companies should provide customers with fast and reliable support. Using a combination of phone support, live chat and knowledge bases, customers should be able to quickly resolve issues 24/7.

    CRM software should include a pipeline management dashboard, analytic and reporting tools and integration with third-party automation applications and systems. It should have a customizable dashboard, a document management library and an open API and developer library. 

    CRM software should also integrate with mobile or VoiP systems, support multiple currencies for international businesses, support international formatting for telephone numbers and addresses and allow all contact data to be exported.

    What is a CRM and how does it work?

    A CRM is a database that holds contact information for prospects, leads and customers. Companies use it to identify potential customers and nurture them with personalized messages. The CRM system has tools to measure the relationship’s progress (and the lead’s engagement level), allowing sales and marketing employees to choose activities strategically.

    For instance, if a person opts out of an email sequence, the CRM will note their disinterest. However, if the lead opens, reads and clicks on a link to a product page, a robust, integrated CRM system will send a follow-up email with a promotion related to the specific item.  

    How to choose the best CRM for your business

    Companies use CRM platforms to manage relationships. Therefore, service, sales and marketing departments leverage the software. Some systems, like Agile CRM, centralize all activities, whereas others, such as Zendesk, have separate products (Zendesk Service and Zendesk Sell). 

    Follow these steps to pick the best CRM service for your team.

    1. Assess your business goals and needs

    To choose the right tools, it’s important to understand your budget and how you will use the software. Also, how scalable you need it to be. For instance, a growing business may want to set up sales territories and support staff who speak different languages. 

    Consider the following questions:

  • Which parts of the customer journey will your CRM cover?
  • How many marketing, service and sales reps need access to the CRM?
  • Do you expect your contacts or users to grow rapidly over the next few years?
  • Will sales directors, managers or administrators use the CRM?
  • Do you expect to expand globally?
  • 2. Consider must-have CRM features

    CRMs can have hundreds of features. But many also have limits, depending on the subscription. The key is to find software with the right tools for your sales process that doesn’t require months of training.

    Look for ways a CRM can save your organization time and Excellerate workflows by asking the following questions:

  • How many pipelines do you need?
  • Will you track email through your CRM or use a separate tool?
  • Do your sales teams accept card payments when finalizing deals?
  • How important are automation and AI features?
  • Do you need sales forecasting and lead scoring tools?
  • Will the CRM serve as a central file storage system?
  • Do you send estimates, quotes or contracts to clients?
  • Will you integrate your e-commerce platform or business phone system?
  • Do you need task management features?
  • 3. Compare CRM software

    Develop a list of top-rated systems by reviewing guides and asking your professional network. Remember to check mobile app store ratings and user reviews. Look for CRM software that meets your minimum requirements, then narrow your list by considering additional capabilities, such as automations or integrations. 

    For instance, some CRMs only work with certain credit card processing companies. So if you want to invoice or collect payment from your CRM, you must sign up for a new merchant service or find a CRM that works with your payment processor. 

    4. Trial CRM systems 

    Most CRMs offer free trials or have a free version. Use the free version and encourage your staff to complete various sales and marketing tasks to get a feel for the systems. Survey individuals after the trials end and ask for feedback. Sales managers should offer insights about sales forecasting, task management and progress reporting features. Marketing and sales employees can discuss ways the software improved their ability to generate leads, personalize messaging or remember to follow up.

    How much do CRMs cost?

    *Monday.com requires a minimum of three users.

    **Salesforce pricing reflects annual billing.

    ***HubSpot charges by marketing contacts and allows unlimited users.

    Aside from HubSpot, which charges by marketing contacts, not users, most CRM software has a per-user fee. This cost for base subscriptions ranges from $0.00 to $29.90 per user monthly. Many providers offer a discount if you pay annually, ranging from 10% to 34% off the monthly price. 

    CRM vendors typically use a tiered pricing model. The entry tier has fewer features and lower usage limits than more expensive plans. Add-ons vary by provider and may include premium support, pay-per-use calling and texting, advanced analytics and automation tools.

    Frequently asked questions (FAQs)

    What does CRM stand for?

    CRM means customer relationship management. It refers to the process of managing customer relationships throughout the customer life cycle. Many businesses use software called CRM systems to maintain records of contact details, interactions and customer preferences.

    What is a CRM database?

    A CRM database stores prospect, lead and customer or company information. It is customizable according to a company’s requirements. 

    CRM databases may store four types of data:

  • Identity information, such as contact details.
  • Descriptive data, like job titles or hobbies.
  • Qualitative data, including sentiment analysis results and surveys.
  • Quantitative CRM data, such as customers’ average purchase amounts.
  • What are the three types of CRM?

    Collaborative, analytical and operational CRMs have different business purposes. Companies use collaborative CRMs to Excellerate communication for seamless customer experiences. Analytical CRMs gather and analyze data to support decision-making.


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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