Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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Exam Number : MB-210
Exam Name : Microsoft Dynamics 365 for Sales
Vendor Name : Microsoft
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MB-210 exam Format | MB-210 Course Contents | MB-210 Course Outline | MB-210 exam Syllabus | MB-210 exam Objectives

Candidates for this exam are Dynamics 365 functional consultants with sales expertise. Candidates are responsible for implementing solutions that support a sales life cycle to run efficiently and effectively to meet revenue targets, business strategies, and company objectives.

Candidates are responsible for configuring and expanding the core functionality of Leads, Contacts, Accounts, Opportunities and supporting entities to map to the sales processes in place at the company. They identify opportunities to use Power Apps to develop unified experiences for all devices, Power Automate for application integration, business process flows, and other automation tools to construct an application that supports and accelerates the "lead to cash journey."

Perform configuration (40-45%)

Configure sales settings

• configure sales territories

• configure default revenue type

• configure auto number settings

• configure business closures

• configure fiscal year

• configure currencies

• configure sales team roles

• configure sales security roles

• configure goal management components

• create and manage sales collateral

• configure relationship cards

• configure playbook management

Configure processes

• configure record creation rules

• configure out of the box sales business process flows

Create and configure sales visualizations

• configure sales content pack for Power BI

• configure sales dashboards

• design and create sales charts

• execute and analyze sales reports

Configure integration with external sales applications

• implement Dynamics 365 AI for sales

• configure and enable embedded intelligence

• implement social selling assistant

• implement LinkedIn Sales Navigator

Manage core sales entities (20-25%)

Create and manage leads

• create and search for leads

• convert activities to leads

• perform lead qualification

• configure status reasons

• scan business card

Create and manage opportunities

• create and search for opportunities

• close opportunity as won or lost

• track stakeholders and sales team

• add product line items to opportunity

• customize the Opportunity Close form

• configure status reasons

Manage sales entities (35-40%)

Create and manage quotes

• add quotes to opportunities

• edit quotes in various stages

• send quotes to customers

• convert quotes to orders

• create a template from a quote

Create and manage sales order processing

• create and manage orders

• create and manage invoices

• create and manage competitors

Create and manage product and product catalog

• configure product families, bundles, and products

• configure price lists

• configure discount lists

• configure unit groups

• configure product lifecycle

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Microsoft 365 exam success


Microsoft 365

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Microsoft 365 makeover: Office docs are getting a new default look

Microsoft Office, which was renamed Microsoft 365 a while ago, is about to undergo drastic visual changes. Microsoft is giving its Office suite a new standard theme across all individual applications such as Word, Excel, PowerPoint, and Outlook. Everything from fonts to colors to even line weights are getting new default settings.

The changes are intended to make documents created with Microsoft 365 look more modern and accessible, Microsoft says. Here’s brief overview of what Office users will need to adjust to once the new Microsoft 365 default theme goes live at some point in the future.

Further reading: How to get Microsoft Office 365 for cheap

New standard font: Aptos replaces Calibri

The first, most obvious change that every Microsoft 365 user will see immediately: Office will soon be using a new default font.

Calibri als Standardschrift von Microsoft 365


Since 2013, Calibri has been the default font for Office apps. But Microsoft users with five alternatives to choose from for a new default:

  • Bierstadt
  • Grandview
  • Seaford
  • Skeena
  • Tenorite
  • Bierstadt won the race and will now become the new standard font for Microsoft 365, albeit under the name Aptos. Aptos supports a variety of font styles (such as normal, italic, bold, etc.) and variants such as narrow, serif, and monochrome.

    Aptos als neue Standardschrift für MS Office 365


    As usual, you can of course use any other font available in Microsoft Office.

    New color palette

    Microsoft also researched popular color palettes and design trends and then created a set of standard colors that should work well in all Office applications. The motivation behind the change is making your documents feel more accessible. The new colors are suitable for content such as charts, lists, and shapes.

    Neue Farbpalette für MS Office 365


    New style

    Microsoft wants to make the default style for Word documents and Outlook emails easier to read and more professional looking. This change should make it easier for users to navigate through documents.

    Microsoft 365: Neue Stile


    New line widths

    Microsoft has also increased the line widths, so the lines will be thicker. This should lead to better consistency between shapes and lines. Microsoft has also improved the contrast.

    Neue Linien in MS Office 365


    How to use the new Microsoft 365 theme

    With the introduction of the new theme, all new documents, presentations, worksheets, and emails you create in Word, PowerPoint, Excel, and Outlook will automatically have the new theme applied. You won’t need to take any special action to see it.

    Your existing documents will not be changed to the new theme, however. They will continue to use the original design that was applied when they were created. You can continue to use the previous Office theme if you want, but you’ll need to manually change to “Office Theme 2013 – 2022.”


    Currently, only Microsoft 365 Insider Testers can try out the new theme. These are the requirements:

  • Win32: Version 2308 (Build 16701.20000) or higher
  • Mac: Version 16.76 (Build 23070400) or higher
  • Android: Version 16.0.16701.20000 or higher
  • An iOS version isn’t available yet.

    Microsoft is not yet disclosing when all Microsoft 365 users will be swapped over to the new default theme. Until then, Calibri will remain the standard font in Office.

    Editor’s note: This article was translated from German to English, and originally appeared on pcwelt.de.

    Microsoft 365

    Santa Clara University provides students with access to cloud-based Microsoft Office products (such as Word, Excel, and OneDrive) to create and share Office documents, as well as the ability to get Microsoft Office software to their personal devices.


    Open the sections below for more information about Microsoft 365 at SCU

    Some features are turned off

    Google Workspace is SCU’s primary collaboration suite so many of the Microsoft 365 services (such as Exchange, Forms, Lists, SharePoint, Skype, Teams, and Yammer) are not enabled.

    If someone outside of SCU invites you to a meeting using Microsoft Teams, you will be able to attend, even though Teams is turned off in SCU’s Microsoft 365 service.

    If someone outside of SCU invites you to be a guest in their Microsoft 365 service, these limitations will not affect you.

    To log in as a guest to another organization’s Microsoft 365 service, continue to use the link on the invitation they sent you. You may need to open the invitation in a "Private Browsing" or an "Incognito" window in your browser. You will not go through SCU’s SSO when you access another organization’s Microsoft 365 service.


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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