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 Name : Hitachi Data Systems Certified Specialist Compute Platform
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Computer Programming Jobs

Editorial Note: They earn a commission from partner links on Forbes Advisor. Commissions do not affect their editors' opinions or evaluations.

Computer programming jobs involve writing and editing code, analyzing data and maintaining computer systems. Most computer programming careers offer areas of specialization that require additional skills as well. Read on to learn more about computer programming jobs and specializations.

Types of Computer Programming Specializations

A school may offer several specializations to students pursuing a computer programming bachelor’s degree. Universities may also call these specializations “tracks” or “concentrations.”

Artificial Intelligence

Studying artificial intelligence (AI) teaches you to use AI applications, which incorporate natural language processing and machine learning to identify and interpret spoken words and make recommendations. Learners study algorithms, analysis and predictive modeling.

Potential Courses: AI principles, machine learning, natural language processing

Potential Careers: AI architect, AI researcher, machine learning engineer

Computer and Network Security

Students specializing in computer and network security focus on all elements of an organization’s security. This includes addressing vulnerabilities.

Potential courses: Operating systems principles, wireless networks security and computer forensics.

Potential Careers: Network security analyst, security engineer, digital crime analyst and firewall administrator.

Data Science

Students who specialize in data science learn to extract and analyze information from large data sets. Learners also develop essential skills in analytics and predictive modeling.

Potential Courses: Applied statistics, data science and research practice, machine learning

Potential Careers: Data scientist, data analyst, database administrator, machine learning engineer

Computer-Human Interface

Students who specialize in computer-human interfaces learn to evaluate how people interact with computers, smartphones and websites. Learners use this information to develop interfaces that function across various systems and devices.

Potential Courses: Principles of human-computer interaction, visual design and user-centered design.

Potential Careers: User experience (UX) designer, UX researcher

Software Engineering

A specialization in software engineering prepares students to develop and Strengthen systems for applications. This specialty involves skills in testing, coding and ensuring security.

Potential Courses: Computer science, database theory, web applications, programming languages

Potential Careers: Applications developer, web developer, software engineer, information systems manager, game developer

Career Paths in Computer Programming

We sourced the below salary data from the U.S. Bureau of Labor Statistics (BLS).

Computer Programmer

Computer programmers write and test code for computer software and applications.

Qualifications: A bachelor’s degree is typically necessary to work as a computer programmer. Schools may require students to declare a specialization in a specific area. It’s also common for computer programmers to earn certifications in programming languages or platforms.

Skills: Computer programmers need to understand algorithms and programming languages.

Salary: The median annual salary for computer programmers was $97,800 as of 2022.

Job Growth: The demand for computer programmers is expected to decrease 11% from 2022 to 2032. However, other computer-based careers are projected to increase by 14%.

Web Developer

Web developers write code for websites using a variety of computer programming languages. They test applications and integrate navigation menus, graphics, video and audio elements into the sites they create.

Qualifications: While a degree is not always required to become a web developer, it is common for professionals in this field to have bachelor’s degrees. Web developers take courses to learn skills in coding, graphic design and programming languages.

Skills: Web developers need to have coding and graphic design skills.

Salary: The median annual salary for web developers was $78,580 as of 2022.

Job Growth: The demand for web developers is expected to increase 17% from 2022 to 2032.

Software Developer

Software developers design, write, test and maintain functional software applications and systems.

Qualifications: Software developers need to have a bachelor’s degree. They may also earn certifications or take additional courses to learn relevant skills, such as programming languages.

Skills: Software developers need to have coding, design and analytical skills

Salary: The median annual salary for software developers was $127,260 as of 2022.

Job Growth: The demand for software developers is expected to increase 26% from 2022 to 2032.

Computer Systems Analyst

Computer systems analysts collect and analyze data on their organizations’ computer systems to provide solutions that would Strengthen effectiveness and efficiency.

Qualifications: Computer systems analysts typically have bachelor’s degrees.

Skills: Computer systems analysts must be able to analyze and interpret data, implement or upgrade computer systems and create instruction manuals.

Salary: The median annual salary for computer systems analysts was $102,240 as of 2022.

Job Growth: The demand for computer systems analysts is expected to increase 10% from 2022 to 2032.

Computer Network Architect

Computer network architects design and build communication networks. They also typically handle hardware and software updates.

Qualifications: Computer network architects need a bachelor’s degree. Some may choose to earn an M.B.A. or master’s in information systems.

Skills: Computer network architects should have excellent analytical skills and hands-on experience with database design and network security.

Salary: The median annual salary for computer network architects was $126,900 as of 2022.

Job Growth: The demand for computer network architects is expected to increase 4% from 2022 to 2032.

Frequently Asked Questions (FAQs) Is there a high demand for computer programming jobs?

The demand for computer programmers overall is expected to decrease by 5 percent from 2010 to 2030. However, jobs are projected to increase for some computer programming roles, such as software developer. According to the Bureau of Labor Statistics, this overall decrease in demand is due to the availability of remote workers in countries where lower salaries are acceptable.

What skills do you need for computer programming jobs?

Computer programmers should know how to analyze data, understand hardware and software and write code using multiple programming languages. Programmers may need additional skills, depending on the specific responsibilities of a job.

What do I need to become a computer programmer?

To work as a computer programmer, you will need a bachelor’s degree and to select a specialization that aligns with your career goals. You should also spend some time working on certifications for relevant subjects while you gain work experience.

What Is Computer Programming? A Guide To Becoming A Computer Programmer

Editorial Note: They earn a commission from partner links on Forbes Advisor. Commissions do not affect their editors' opinions or evaluations.

Are you interested in a career in tech, and you’re wondering, “What is computer programming?” In this article, we’ll fill you in on everything you need to know about this dynamic career path. We’ll explore job expectations, how to break into the field of computer programming and earning potential for computer programmers.

What Is Computer Programming?

Computer programming is a high-tech field that’s growing in popularity. Programmers work on code to find and solve issues. They come up with strategies for enhancing and streamlining code, and they use code to implement company initiatives.

While computer programmers come from a variety of educational and professional backgrounds, all computer programmers must have knowledge of different programming languages.

Today’s more popular programming languages include C++, Java, Python and Go. Programmers should be familiar with multiple coding languages, especially these.

What Does a Computer Programmer Do?

Computer programmers’ main task is writing code. Code provides instructions to a computer, written in a language the computer can understand. Many programming languages exist, and computer programmers typically know several coding languages.

Computer programming jobs might involve:

  • Write and test code for programs and apps
  • Update existing software programs in order to fix bugs or patch security vulnerabilities
  • Test and troubleshoot existing code for errors
  • Rewrite existing code to move it from one programming language to another
  • Computer Programmer Job Outlook

    The U.S. Bureau of Labor Statistics (BLS) projects a 11% decline in computer programmer employment from 2022 to 2032. However, skills for computer programmers—especially coding in a variety of languages—could translate to several other positions as well, many of which have better growth projections. For example, the BLS projects software developers to grow by 26% and information security analysts to grow by 32%.

    The BLS lists the median annual salary for computer programmers as $97,800. Workers in this role often enjoy other corporate perks like an annual bonus and a 401(k) package.

    Computer Programming Degree Options

    Regardless of job and industry, many employers prefer candidates to hold college degrees. The field of computer programming is no different. Aspiring programmers can pursue a variety of degrees in both computer programming and related fields. Below, we’ll take a look at just a few degree options for computer programmers.

    Associate in Computer Programming

    You can earn an associate degree in computer programming at a community college. Associate programs tend to be shorter than bachelor’s programs, lasting only two years versus four. They also tend to cost less: Two-year programs at public schools cost an average of $3,564 per year, versus $9,596 for four-year programs, according to the National Center for Education Statistics.

    Moreover, many community colleges offer programs that expose students to a variety of programming languages. Associate programs entail fewer non-technical courses as well.

    Bachelor’s in Computer Programming

    A bachelor’s degree in computer programming typically takes four years of full-time study to complete. This degree involves both general education courses and programming-related courses, preparing students to work as computer programmers.

    Degrees that may qualify you to work in computer programming include information technology, computer science and information systems.

    Master’s in Computer Programming

    Most master’s programs entail two or three more years of study after you’ve completed your bachelor’s degree. Master’s students can usually study either part-time or full-time.

    Master’s programs are a good option for those hoping to change careers or enhance their skills as software engineers or computer programmers.

    Computer Programming Bootcamp

    If you’d like to pursue a job as a computer programmer without attending a college or university, your best bet is to attend a computer programming bootcamp.

    A bootcamp provides you with an immersive learning experience in a condensed schedule. Most bootcamps take four to 20 weeks of full-time study to complete, or up to 12 months for part-time students.

    Bootcamps cost around $11,000 on average, but price varies significantly by company and program type. If you’re wondering how to pay for a coding bootcamp, consider scholarships and payment plans. In some cases, your employer might be willing to subsidize the cost of your bootcamp. Speak to your boss or HR manager for more information.

    If you’re wondering whether you can find a job after completing a bootcamp, the answer is likely yes. Most computer programming bootcamps advertise a high rate of job placement upon completion, and some bootcamps even offer job guarantees.

    Most bootcamps structure their learning modules specifically to prepare learners for their future careers. They may assign portfolio-building projects, teach interview skills and provide networking opportunities.

    Once you complete a computer programming bootcamp, you’ll be eligible for computer programming roles and similar job titles like web developer, data analyst, technical support specialist and web designer.

    Frequently Asked Questions (FAQs) About Computer Programming What do I need to become a computer programmer?

    Most employers prefer computer programming candidates to hold bachelor’s degrees, but you may qualify to work as a computer programmer by completing a coding bootcamp.

    How much money does a computer programmer make?

    According to the U.S. Bureau of Labor Statistics, the median annual salary for computer programmers is $97,800. However, salaries can vary widely based on experience level, location and other factors.

    Computer Training Opportunities


    The Division of Information Technology provides hands-on computer training for University of Wyoming faculty, staff, students, and retirees. Computer training workshops are developed by staff in Information Technology. Hands-on workshops are conducted in rooms 171 and 173 of the Information Technology Center.

    Self-Paced Training

    UWIT Training manages a list of self-paced training options that span a wide range of technical topics. Contact computer.training@uwyo.edu to ask about self-paced training opportunities (make sure to provide a description of what you are looking for).

    Requests for specialized training sessions are considered when the requested course content is not available through current instructor-led workshops or when a unit requests training for a specific group. Preparation for, and teaching of, special workshops must not interfere with the current campus-wide training schedule.

    Other Training Resources

    Students are eligible to log into Microsoft’s E-Learning Web site for training on many popular Microsoft applications.

    Students: please contact Jesse Ballard, IT Academic Support Unit, at 766-2081 for information about student training opportunities on the Laramie campus.

    The Ellbogen Center for Teaching and Learning and Outreach Credit Programs offer regular workshops on using instructional technologies to enhance teaching and learning. These workshops are free to all faculty. For more information, see uwyo.edu/ctl/idt or uwyo.edu/wyocourses/training.


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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