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-260
Exam Name : Microsoft Dynamics 365 Customer Insights (Data) Specialist
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Microsoft Dynamics 365 ERP Review (2024)

Microsoft Dynamics 365 ranks as one of the best ERP systems because it is a comprehensive platform that meets all the requirements for business management. It boasts a range of applications to help manage essential operations, including sales, marketing, customer service, finance, supply chain and human resources.

While Microsoft’s ERP has a diverse range of applications, Microsoft Dynamics 365 Business Central was specifically designed to meet the unique needs of small and medium-sized businesses. Not surprisingly, it is both affordable and scalable, so it can support growing businesses that scale rapidly.


One of its best attributes is that it can be deployed on the cloud or as an on-premises solution. It comes with a mobile app that allows professionals on the go to manage their time, update notes and create tasks. Plus, it has accounting and analytics features that allow users to manage their projects and get a detailed overview of their sales and project profitability. Also, it can seamlessly connect with Microsoft products.

New users will be pleased to learn it offers free trials for its paid plan. While it has a diverse range of functionalities, there are quite a few drawbacks to this platform, as we’ll discuss below.


Microsoft Dynamics 365 is a comprehensive solution but some drawbacks exist. One disadvantage is that it does not offer a free plan, so you have to decide whether to purchase it after the free trial.

At the core of this solution is a system that can link data, employees and processes across your organization into a single hub. Still, it lacked CRM features, a downside for sales and marketing teams that need to get leads across the sales funnel and manage customer interactions.

The solution has third-party integrations with popular applications for analytics, commerce, finance and HR. However, its software integrations are only available as an add-on, which is subpar compared to other competitors that have native integrations.

Microsoft 365 Roadmap Weekly: Teams will get improvements for collaborative notes and more0 0

Microsoft 365 app icon with Office apps arranged on the sides

Microsoft added some final entries for the Microsoft 365 Roadmap web page this past week before the company shut down for the holidays. However, there were some interesting new listings for upcoming features. They have already reported that Microsoft 365 Copilot will add support for pinning chats in early 2024. Here's what else was added to the Roadmap last week:

Microsoft Teams - New collaborative notes support coming to meetings and more

Microsoft Teams logo with shapes around it in the various colors of the Teams logo

Starting in March 2024, Microsoft will add a new way for Teams meeting users on the desktop to create collaborative notes:

This enhancement to Collaborative notes enables anyone invited to the meeting to create collaborative meeting notes and agendas both before and after the meeting. This means more collaboration, more efficiency, and an even more seamless teamwork experience.

Speaking of Teams meetings, they will be getting some invite improvements in February 2024 on the desktop and Mac:

Meeting invite is the first thing that the user invited to the meeting sees before joining. They are making some design improvements to make sure they have the most important information there and it's better grouped.

In February 2024, Teams on the web, desktop and Mac will get some live translation improvements:

Organizers can select up to six languages for attendees to choose from for live translation for captions during a town hall.

Other Microsoft 365 Roadmap listings for Microsoft Stream and Outlook

Microsoft Stream, which offers enterprise users a way to offer videos to their employees, will get a new option in January 2024 for blocking the downloads of shared videos:

Some videos are meant to be viewed but not downloaded. Soon you will be able to share videos more securely with the "Can view, but not download" option. This option will be available in the permission drop down in the Microsoft 365 share dialog for Stream videos. When you select "Can view, but not download," people who access the video you shared will be able watch it, but won't be able to get or copy the video file.

Outlook users on the Mac will get a new To DO feature in January 2024:

To Do helps you manage your tasks and stay on top of what's next. These features will be available in Outlook for Mac for commercial users

This will be the final Microsoft 365 Roadmap roundup article of the year. Come back in two weeks on January 7, 2024 for the first such post for the new year.

What apps does Microsoft 365 include?

When Microsoft started with Office products, there were only a handful of them— Word, Excel, PowerPoint. While most of the consumers still use the same set, Microsoft  Portfolio has expanded to over 20+ apps under Microsoft 365 branding. In this post, they are looking at the list of apps Microsoft 365 include.

What is Microsoft Office 365?

What apps does Microsoft 365 include

In simple words, it is the full version of Office which offers all the products and can be installed on a computer. It can also be deployed on an Enterprise computer using the Microsoft Endpoint Configuration. It is a combination of applications and services.

What apps does Microsoft 365 include?

While the core Microsoft 365 apps and services include Word, Excel, PowerPoint, Outlook, OneNote, OneDrive, and the Microsoft Teams, there are many additional apps and services.

Microsoft 365

  • Apps:  Word, Excel, PowerPoint OneNote, Publisher(PC only), Access(PC only).
  • Email and Calendar: Outlook, Exchange, and Bookings.
  • Meetings and Voice: Microsoft Teams with audio and phone system support
  • Social and intranet: Sharepoint and Yammer
  • Files and Content: OneDrive, Lists, Forms, Stream, and Sway
  • Work Management: Power Apps, Power Automate, Power Virtual Agents for Team, Planner, and To-Do.
  • Apart from these apps, there are services and add-ons, such as My Analytics, Power BO Pro, Admin Center, InTune, Endpoint Configuration Manager, Identity access management, threat protection, and so on. You can check the full list in the comparison plan.


    Microsoft Word

    Word is one of the most popular word processing and text-editing programs today. It is used by students, businesses, and the government. It is also the program of choice for many authors in the world today. It is available in tablet versions, plus online versions. Word is often used to create pages in books and other documents. It is also used to create resumes.


    Microsoft Excel

    Excel is one of the most powerful Microsoft Office applications and one of the most commonly used globally. Excel is beneficial to individuals and businesses that must manage figures on a large scale, thanks to crunch numbers in various ways.  It’s also good for manipulating and analyzing data, and you can create professional-looking graphs and charts without much effort. The program allows you to work with several different kinds of spreadsheets simultaneously, creating a wide range of charts, graphs, and models that can be used to help you better understand your data.


    Microsoft PowerPointMicrosoft PowerPoint is a presentation design program. It allows you to create slide presentations that run with sound, video, and animation. You can also create slide shows and movies. It has the ability to make beautiful presentations and is an essential tool for creating presentations and a useful tool for businesses.


    Microsoft OneNoteMicrosoft OneNote is much more than just a note-taking app. It’s an organizational tool that lets you collect and share all the information, ideas, and to-dos that matter to you. OneNote is a full application in itself—available for Mac, PC, Windows tablets, and phones— and you can use it to outline, brainstorm, organize, share, and collaborate on projects, meetings, and other activities.

    Publisher (PC only)

    Microsoft PublisherMicrosoft Publisher is a desktop publishing software that allows you to make various things such as posters, flyers, and greeting cards.  It is part of Microsoft Office and is used to create professional-quality documents, including newsletters, brochures, posters, flyers, greeting cards, and more. You can even use it to create interactive PDFs and e-mail newsletters. Publisher’s intuitive design and layout tools help you tell your story in a way that’s easy to share and print.

    Access (PC only)

    Microsoft AccessMicrosoft Access is a database application that is part of the Microsoft Office suite of software products. It is a comprehensive and powerful tool that allows users to build custom databases for keeping track of all manner of information, whether it be financial information, customer records, a personal address book, or a list of favorite TV shows. It doesn’t require any server for its operation. Some of its features are import and export, filter, auto-update, export, print, etc.


    Microsoft OutlookMicrosoft Outlook is an email and scheduling program that organizes and stores users’ e-mails, appointments, contacts, and other personal information. One can also use it to manage tasks and meetings and streamline communication between colleagues. It’s a powerful email, calendar, and task management system,

    Exchange Server

    Microsoft Exchange is a service used by many companies to exchange and store emails, appointments, and other important documents. This web-based email service can help your company or group of friends be more organized and make sure everyone is up to date on what is happening. Microsoft Exchange offers services such as email, calendar, contacts, tasks, notes, and many more. It has two versions which are Office 365 exchange online and Microsoft exchange server. The online version is the one that works in the cloud and offers all the features that are available in the server version.


    Microsoft BookingsMicrosoft Bookings is an online booking application that allows you to manage your schedule and keep track of your appointments. Bookings is a way for you to communicate with your employees and gives you the ability to collaborate with outside companies. It is also a way to manage payments, as the service is integrated with online payment processors. This is a great tool for business owners who have their own small business, as it can help your employees manage their schedules, allows you to have more transparency, and Boost your business as a whole.


    Microsoft SharepointThe SharePoint Server is a tool used to store, organize, and share documents and information. It can help you work more efficiently by streamlining your tasks and making it easy to share reports and presentations with others in your organization. But with so many features and capabilities, it’s not the easiest product to learn—especially if you have little or no experience with it.


    Microsoft YammerYammer is a cloud-based enterprise social networking application. It allows employees to create groups around a subject or project and communicate with each other. Users can also access the application’s data via APIs and integrate it into their own systems.


    Microsoft OneDriveDesigned with consumers and students in mind, Microsoft’s OneDrive is a cloud storage solution that lets you store, sync, and share files between your devices. OneDrive comes with 15GB of free storage (which is enough to store a few hundred photos, a handful of documents, and some videos), and you can earn up to five additional free gigabytes by referring friends to the service. While that may not seem like a ton of storage space, OneDrive is ideal for small businesses on a budget that doesn’t want to spend extra money on costly cloud storage subscriptions as it offers 1 TB storage.


    Microsoft ListsMicrosoft Lists is similar to to-do lists. It is a quick and easy way to record, prioritize, and share what you need to remember. Available for Enterprise and Business segment, it allows them to build custom templates, integrate with power app, add automation, and so on.


    Microsoft FormsMicrosoft Forms is an online survey tool integrated into the Microsoft Office 365 Suite. It offers a wide range of options for creating surveys. Once built, you can share surveys through email or social media, and users can be invited to respond with their Microsoft accounts.


    Microsoft StreamMicrosoft Stream is a cloud-based enterprise video service designed to increase communications and collaboration between teams. Similar to Slack, Microsoft Stream combines video conferencing, real-time messaging, and file sharing in one place.


    Microsoft SwayThere are several ways to create a beautiful, professional-looking report, presentation, or other documents, but Microsoft Sway is the easiest, best, and most efficient way to do so. Sway is an integrated work environment that makes it easy to create and present a collection of images, documents, and other content on a single web page, which is perfect for presentations. You don’t need to learn anything new to use Sway. It’s fast and simple, and it works with your Microsoft Office files.

    Power Apps

    Microsoft Power AppsMicrosoft Power Apps is a service that provides users with a way to create custom solutions for modern business. It gives users the power to use Office 365, SharePoint, OneDrive, and other business services directly in one application. It is a great way to make any app or document accessible to anyone in the company. Power Apps is designed to make it easy to get information into a form that users can easily use in their everyday life.

    Power Automate

    Microsoft Power AutomateMicrosoft Power Automate is Microsoft’s latest in the set of automation tools. With automation tools, the user can manage, execute, and control other programs by using scripts. Microsoft Power Automate is a software program that helps you automate and run different Microsoft applications tasks, including Microsoft Office. It is easy to install and use, and you can create a task from scratch without any programming experience. This software program is highly rated and has many positive reviews.

    Power Virtual Agents for Team

    Power Virtual Agents for TeamPower Virtual Agents for Team is a new tool for Microsoft Office 365 that helps small businesses better manage their customer service. The new tool allows you to create automated agents, which can be customized to respond just like a human would. These agents can be assigned to respond to emails, phone calls, and chat messages from customers, making it easy to initiate communications without taking time out of your day.  For instance, with Power Virtual Agents for Team, you can create an automated customer support agent that can answer customer questions, schedule appointments, or provide order information.


    Microsoft PlannerMicrosoft Planner is the Office companion app for managing schedules and tasks. It is a web-based planner with a clean and intuitive UI. Planner makes it easy for users to create tasks, due dates, priorities, and attachments. You can share your tasks with co-workers and invite them to collaborate with you. The app lets you create multiple plans for different project teams.

    All these can be color-coded to differentiate the tasks on the web interface. You can assign a task to a specific person and also add due dates, reminders, and comments to a task. The planner also gives the option to sync your Google Calendar accounts so that you can sync tasks in your Google Calendar and Microsoft Planner accounts.


    Microsoft ToDo LogoMicrosoft To-Do is a new task management app from Microsoft. It has a clean, attractive, and easy-to-use interface, and it works across your Windows devices, Android devices, and the web. It has similar capabilities to other popular task management apps such as Trello, but with a more familiar Microsoft interface.

    Microsoft 365 Plans

    Microsoft 365 comes in various plans as all products will not appeal to will come in use for general consumers. There are four plans—

  • Home,
  • Busines,
  • Educations, and
  • Enterprise.
  • 1] Home

    Microsoft 365 Home is a software package, services, and devices that start with an Office 365 subscription and add extra security for families and devices. If you’re a family of five, you can get Office 365 Home, which provides Office applications on up to five PCs or Macs, five tablets, and five smartphones. Microsoft 365 Home also includes security features for families, such as parental controls, a web filtering service, and device backup and recovery. The apps include Word, Excel, PowerPoint, OneDrive, Outlook, OneNote, and Skype.

    2] Business

    If you are one of the many business professionals who use Microsoft Office and Outlook daily, then you might have heard of Microsoft 365 Business. This Office 365 Business software suite Microsoft Home + Teams, Exchange, OneDrive, SharePoint, Intune, and Azure Information Protection

    3] Education

    Microsoft 365 Education is Microsoft’s new cloud-based suite that helps teachers and students collaborate and unleash their potential. Teachers can use Office 365 Education to create and share lesson plans, assignments, and tests and manage students and monitor classroom behavior. Students have Word, Excel, and PowerPoint at their fingertips and note-taking and collaboration tools that help them learn, research, and create.

    4] Enterprise

    Microsoft 365 Enterprise combines Office 365 Enterprise, Windows 10 Enterprise, and Enterprise Mobility + Security. It has everything and meant for an organization that completely depend on the

    I hope the post was informative enough to deliver you a clear idea of the list of apps Microsoft 365 includes, and how each of them can be useful when you need it.

    What apps does Microsoft 365 include?

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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