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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Dell EMC Partners With FogHorn For Bundled IIoT Edge Solutions

ARTICLE TITLE HERE

Dell EMC is partnering with edge intelligence startup FogHorn to sell out-of-the-box industrial Internet of Things hardware and software bundles.

The collaboration, announced Tuesday, will provide Dell EMC partners with gateways and other edge devices preconfigured with FogHorn's Lightning edge intelligence platform, which features machine learning, automation and scalability capabilities. The bundled solutions will be available to partners through the Dell IoT Solutions Partner Program starting in December.

Dell EMC is not the first OEM to partner with FogHorn. The Sunnyvale, Calif.-based company already works with several other partners, according to Kevin Duffy, vice president of business development at FogHorn. They include Hewlett Packard Enterprise, Cisco and AdLink.

[Related: HPE Unleashes Power To Run Enterprise Applications At Edge With New Edgeline Solutions]

Ron Pugh, the Americas head for Dell EMC OEM Solutions, said FogHorn's edge software enables Dell EMC's gateway and endpoint products to "become smart edge solutions by layering their edge intelligence directly into their hardware, driving insights at any point in their IoT deployments."

“With more than 75 billion IoT connected devices predicted to be installed by 2025, making technology to manage and process the data collected from these devices crucial,” he said in a statement.

Duffy told CRN that partners will have access to FogHorn's data science team to determine how to adapt the Lightning platform to specific operational processes for customers.

"Ultimately, this is a data transformation world that they live in. People talk about data, but that's just raw flat data. What you really need to do is you need to apply analytics and deep learning to that data to convert it to knowledge," Duffy said.

Keith Higgins, FogHorn's vice president of marketing, said FogHorn's software can deliver resellers high margins in an space that is seeing enormous growth right now.

"I think that the industrial IoT space is the largest emerging market opportunity on the planet right now," he said. "Those gateways need high-margin software, right? They need software that can help the resellers in their business model and deliver them a very unique value proposition."

FogHorn currently has more than 100 commercial deployments across customers in manufacturing, power and water, oil and gas, renewable energy, mining, transportation, healthcare and retail. The company also supports applications for smart grid, smart city, smart building and connected vehicle.

Founded in 2014, FogHorn has raised $47.5 million in capital from investors, including Dell, General Electric, Honeywell and Intel.


Affordable Learning Solutions

Welcome to the Affordable Learning Community at Sacramento State, a collaborative effort among the Center for Teaching and Learning (CTL), Services for Students with Disabilities (SSWD), the Sacramento State University Library, and the Hornet Bookstore.We are here to help Improve course affordability for students, support faculty in accessing and using open educational resources, and familiarize the campus community with the California State University’s (CSU) Affordable Learning Initiative. They strive to provide information and resources to create a learning environment that benefits their campus community as a whole.

"More affordable textbook options mean that I don't have to pick between passing a class or paying rent and eating." - Vanessa Kmetz

What is the Affordable Learning Initiative?

Textbook affordability isn’t just a faculty choice issue, it’s also an equity issue. Students are often forced choose between purchasing textbooks and paying rent.

To make course materials accessible to all students, regardless of income level, the California Legislature passed a series of bills that empower professors to adopt high quality, free and open educational resources for course materials, and make these courses visible to students when registering for courses.

The Affordable Learning Solutions (AL$) Initiative is the CSU’s response to this legislation, providing funding, resources, and training for each campus.

What is the impact on students and faculty?

In addition to saving students more than $50 million across the CSU system annually, AL$ and OERs deliver faculty more flexibility and choice in course materials, making those materials more responsive to advances in research and current events.

AL$ Impact on Students across the CSU: Millions of Dollars Saved

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“I sometimes have to decide whether to eat or buy a textbook. It’s hard when professors don’t offer alternative routes that are accessible.”

José Arias-Ruiz

Training & Grant Opportunities

AL$/OER Faculty Learning Community (coming Spring 2023)

Learn more about making your courses more affordable, using open educational resources, and creating your own resources to support student learning. Faculty will complete a series of modules on AL$ and OER resources. Faculty will be expected to create and implement a plan for reducing the course cost. This FLC can be completed in conjunction with a mini grant.$500 stipend upon completion of culminating event.

AL$/OER Mini Grant Program (ongoing)

The Center for Teaching and Learning supports three types of mini grants to support faculty as they work to reduce the cost of course materials:

Type 1: Adopt ($500)

Significantly reduce the cost of course materials by adopting an existing Open Educational Resource or more affordable textbook. Upon completion, the course should meet the designation for LCCM (Low Cost Course Materials - $40 or less), or ZCCM (Zero Cost Course Materials).

Type 2: Remix ($750)

Significantly reduce the cost of course materials by remixing existing Open Educational Resources into your own course pack. Upon completion, the course should meet the designation for LCCM (Low Cost Course Materials - $40 or less), or ZCCM (Zero Cost Course Materials).

Type 3: Create ($1,000)

Significantly reduce the cost of course materials by creating your own Open Educational Resources use LibreTexts (training provided). This most often takes the form of an open textbook but they welcome innovation!

All mini grants require the awardee to complete training in finding and using Affordable Learning Solutions and Open Educational Resources. More information is available upon request.

Apply for an AL$/OER Mini Grant HERE.

Faculty Resources

icons used in Class Schedule for low- and no-cost materials

Affordable Learning Solutions/Open Educational Resource Coordinator: Andrea Terry

  • Integrating OER materials into your courses through Canvas
  • Consultation on course design/redesign with online textbooks and multi-media
  • Contact Center for Teaching and Learning at (916) 278-5945 or e-mail CTL@csus.edu


    Tarik Dwiek

    No result found, try new keyword!Before that, he worked as Sr. Category Leader - Data, AWS Marketplace at Amazon Web Services, Global Alliances Director at Dell EMC, Solutions Architect at Broadvision. He completed his bachelors from ...
     


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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