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-300
Exam Name : Microsoft Dynamics 365 - Core Finance and Operations
Vendor Name : Microsoft
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MB-300 test Format | MB-300 Course Contents | MB-300 Course Outline | MB-300 test Syllabus | MB-300 test Objectives

Skills Measured

Use common functionality and implementation tools (20-25%)

Identify common Microsoft Dynamics 365 Finance features and functionality

• determine when to use workspaces

• identify use cases for Power Platform apps including Power Apps, Power BI and Microsoft Flow

• identify and differentiate between the global address book and other address books

• demonstrate Work Items functionality

• demonstrate Microsoft Dynamics 365 Finance navigation techniques

• identify Inquiry and Report types available in a default installation

Implement Lifecycle Services (LCS) tools

• identify opportunities to re-use existing assets

• analyze Business Process Modeler results and identify gaps in functionality

• including creating an Acceptance Testing BPM library and analyzing the results

• use the LCS tools including Issue Search and analyze results

Configure security, processes, and options (45-50%)

Implement security

• identify and distinguish between the various standard security roles in Finance and Operations

• distinguish between duties, privileges, and permissions

• assign users to security roles based on given scenarios

Design and create workflows

• identify opportunities for automation and controls based on customer workflows

• configure workflow properties and elements

• troubleshoot workflows

Configure options

• set up and configure legal entities

• configure base number sequences

• import or create all necessary startup data including Zip/Postal Code data, customers,vendors, and products

• configure the calendars and date intervals

• configure units of measure and conversions

• configure posting profiles and definitions

• create organization hierarchies

• apply purposes and policies

• describe and apply user options

Implement Microsoft Dynamics 365 Finance common features

• configure Microsoft Office integration with Microsoft Dynamics 365 Finance

• configure email (SMTP/Exchange)

• create and maintain email and record templates

• integrate Power BI with Entity store

• create, export, and import personalizations

• set up network printing

Implement business processes for the solution

• define use case scenarios

• participate in phase-based planning processes and the solution design

• design and create workflows

• set up batch Jobs and alerts

• use business process workspaces

Perform data migration (15-20%)

Plan a migration strategy

• identify common migration scenarios and tools in Microsoft Dynamics 365 Finance

• determine migration scope

• identify relevant data entities and elements based on given scenarios

• establish migration strategy processes including migration scope

Prepare data for migration and migrate data

• identify and extract source data

• generate field mapping between source and target data structures

• support the transition between the existing and migrated systems

• perform a test migration and validate output from the process

Validate and support the solution (15-20%)

Implement and validate the solution within Microsoft Dynamics 365 Finance

• perform user acceptance testing (UAT)

• prepare and validate to Go live

• build test scripts to test business functionality

• automate test case automation by using the Regression Suite Automation Tool (RSAT)

• demonstrate the correlation between test scripts and business requirements

• monitor validation test progress and make ad hoc changes during validation testing to correct identified issues

Support Application Lifecycle Management (ALM) by using LCS

• perform a solution gap analysis

• use LCS tools to identify, report, and resolve issues

• manage Microsoft Dynamics 365 One Version

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Microsoft Microsoft PDF Questions


Microsoft Bing Chat

Microsoft has updated its Bing search engine with a generative AI feature dubbed Bing Chat. It provides a paragraph summary in response to your queries, powered by OpenAI’s powerful GPT-4 AI model, and lets you continue asking follow-up questions to refine the result. While this concept is similar to competitors ChatGPT and Google Bard, Bing Chat differentiates itself with its consistent source citations, making it the most trustworthy of the three. You can always click a footnote to vet the information or continue researching on your own.

Bing Chat also has drawbacks. It tends to supply dry, occasionally inaccurate answers and it has bothersome ads in some results. ChatGPT beats it out as a creative writing companion, while Google Bard offers more helpful export options and eye-catching image responses. Additionally, Bing Chat works best in Microsoft Edge or the Bing mobile app, a hindrance to anyone who's a devotee of a different browser. Bard is my current favorite of the three, followed by Bing Chat, but none of these AI chatbots have been named an Editors’ Choice winner yet. Each is riddled with flaws and has features the others lack, though they are evolving quickly.

What Is Bing Chat?

You’ve probably already heard of Microsoft Bing, the search engine that launched in 2009 to compete with Google. What’s new is the AI-generated version of search results, which Microsoft added to the search engine in February 2023. It’s powered by ChatGPT’s most advanced AI model, GPT-4, thanks to Microsoft’s reported $10 billion investment in OpenAI.

The difference between a traditional Bing search result and a Bing Chat result is that the former suggests links for you to click, while the latter summarizes the main points of those linked web pages for you. Below, when I search “Oppenheimer movie reviews” on the main Bing page, I see a link to reviews published by different sites. When I supply Bing Chat the same search words, I see a one-sentence summary of various publications that gives me a general feel for the movie’s reception. 

You can also carry on a conversation with Bing Chat, asking it to refine its output and build on the information it's already given you.

Clicking a link on a traditional search result page leads you to more in-depth information compared with the one-sentence summary Bing provides—in my case, noting that one publication called Oppenheimer a “hot mess.” The value, however, is that these AI-generated overviews can help when you aren’t sure what you want to go deep into just yet. Bing Chat makes it easy to keep researching because it gives you a footnote at the end of each idea that links to the source (and compensates the publication).

Microsoft undoubtedly hopes its new Bing Chat will help it compete with Google Search, which is still the top dog. Google fields 86% of global search volume compared with 8% for Bing, though Microsoft was first at adding AI to its core search engine. Google’s main chatbot product is Bard, and it's still labeled as an "experiment." Google plans to AI-ify its core search results page at an undisclosed, though likely imminent, date. 

How to Access Bing Chat

In the past, you could only access Bing Chat through the Edge browser. But as of August 7, Microsoft offers a pared-down version on third-party browsers like Google Chrome. Microsoft says you still need to use Edge for the "best-in-class" experience, including "longer conversations, chat history, and more Bing features built right into the browser."

You can also access Bing Chat on mobile devices with the Microsoft Bing or Edge apps. You need a Microsoft account, which is free. Bing Chat is available in 160 regions, slightly fewer places than ChatGPT (195 countries) and Google Bard (180).

Bing still prioritizes the traditional link-based search results as its first, default menu option. To get Bing Chat, go to the top menu bar and switch from Search to Chat. Microsoft entices you to do it on desktop by showing a small preview of what the AI-generated results for your search query would be. If you like it, a Let’s Chat button takes you to the full chatbot product to continue. 

Even though Microsoft made Bing Chat available on third-party browsers, I'd like to see the company offer it as a truly standalone product—otherwise it comes off as an advertisement for Edge. As long as AI is so early in development, it feels like a big leap to switch browsers just for a chatbot. My home browser, Google Chrome, is more familiar, and I've set up a customized interface with bookmarks, extensions, and other tools. Plus, I can fully use ChatGPT or Google Bard without changing browsers, and Google Bard has easy export options to Gmail, Docs, and other Google apps I rely on.

How Much Does Bing Chat Cost? 

Bing Chat is free as long as you have a Microsoft account. In exchange, your input helps train the AI, and you have to see ads in some of the answers.

Google Bard is also free to use with a Google account. ChatGPT has a free version, known as the “research preview,” and a ChatGPT Plus tier for $20 per month. That extra $20 gives you access to GPT-4, the more advanced model, which you get to try with Bing for free.

Bing Uses GPT-4, But You Probably Don’t Need Such an Advanced AI

Before you get too excited about getting free access to the best large language AI model around by using Bing Chat, keep in mind that you probably don’t need it for the vast majority of searches. 

As OpenAI notes, the free GPT-3.5 is faster and “great for most everyday tasks.” In this context, it quickly generates a response to your questions with robust answers, while GPT-4 may take 10 seconds to generate a similar result, though it has the capability of handling more complex STEM questions—or questions that require "reasoning and advanced creativity,” as OpenAI puts it. 

There are reasons you might prefer to use ChatGPT rather than Bing Chat. One is ChatGPT’s writing chops: It writes longer, higher-level sentences than Bing Chat. Conversely, Bing Chat has a few advantages over ChatGPT. It’s connected to the web, for example, so it can access the latest information, like Oppenheimer reviews, whereas ChatGPT does not know the 2023 movie exists because it only has information dating up to 2021.  

ChatGPT Plus used to have a web browser feature, but OpenAI disabled it after discovering people were using it to bypass paywalls. The company plans to bring it back, but the feature worked so poorly when I tested it that I recommend using Bing Chat or Bard anyway.

GPT-4, whether used within Bing Chat or ChatGPT, limits the number of exchanges you can have with it; it's 30 on Bing and 50 on ChatGPT. While both are ample for casual use, you may need more for professional work or extended projects. That said, you can always start a new subject to refresh the number of exchanges you can have, but then you lose the conversation history and may need to reask or reiterate some ground you previously covered.

Three Conversation Style Options

When you visit Bing Chat, the first thing you see are its three conversation modes: More Creative, More Balanced, and Less Creative. It's a unique approach to personalizing the chatbot, but it fails to deliver meaningful differences in its responses.

I tried the modes by asking Bing to wordsmith the opening of one of my latest articles. Changing work that's already written appears to be one of the most common uses of generative AI chatbots. All three conversation modes suggested breaking my first sentence into two shorter ones, and the More Precise and More Balanced modes opted for breaking it down even further to be more to the point. The tone and vocabulary of all three were similar. In other words, More Creative didn’t add any flowery vocabulary or imagery. Here's a comparison of my original opening sentence and the suggestions Bing Chat gave me in the different modes:

  • Original: "Tesla Superchargers may be the undisputed champion of EV charging networks in the US at the moment, but seven major automakers have teamed up to develop their own network, which will launch in the US in summer 2024 and Canada at a later date."
  • More Precise: “Tesla Superchargers currently dominate the EV charging network landscape in the US. However, a new challenger is on the horizon. Seven major automakers have joined forces to develop their own network, set to launch in the US in summer 2024, with plans to expand to Canada at a later date.”
  • More Balanced: "Tesla Superchargers have been the go-to EV charging network in the US for a while now. However, seven major automakers have teamed up to develop their own network that will rival Tesla’s. The new network will launch in the US in summer 2024 and Canada at a later date." 
  • More Creative: "Tesla may have the largest and fastest EV charging network in the US, but it will soon face some serious competition. Seven major automakers have joined forces to create a rival network that will offer more than 10,000 charging stations across the US by summer 2024 and in Canada shortly after."
  • The More Creative version introduced errors, as Tesla doesn't have the fastest network—it offers similar speeds as others. And the network will have 30,000 stations, not 10,000. I don't know where Bing Chat got this information, as it does not provide citations.

    The More Creative style was the only one to offer an opinion when I asked, “What’s your take on global warming?” It answered, “My take on global warming is that it is a serious problem that requires urgent attention and action from all of us.” The others provided scientifically accepted definitions of global warming as a phenomenon.

    It’s surprising that Microsoft features these three options so prominently in the interface when they are hardly different. I’d like to see Microsoft differentiate them more or create a singular AI engine that can adapt conversation style on the fly, programmed to respond in the way the human would like, similar to ChatGPT’s custom instructions feature.

    Bing Chat Gets to the Point

    No matter what conversation mode you use, Bing Chat’s answers are generally more concise and to the point than what you get from Google Bard or ChatGPT. Bing keeps answers to around 100 words, even when asked to write an essay (more on that below). The goal seems to be to provide clear and concise information rather than take every opportunity to showcase the extensiveness of its source data and expansive vocabulary. It no doubt has a large body of data to pull from, not to mention access to the entire English language, but it restrains itself.

    Bing’s all-business vibe has one unsavory aspect to it: You see ads in many responses. Someone has to pay for all this AI computing power, right? Thus far Google and ChatGPT have not implemented ads, which makes sense given Bard is an “experiment” and ChatGPT has opted for a paid tier to bring in some cash.

    The ads do not feel spammy and are on topic, but they take up nearly the entire screen so you need to scroll back up to see the actual response. As a result, Bing Chat is more cumbersome than its competitors, and I feel subtly deterred from using it regularly. The ad-free experience on Google Bard or ChatGPT is more pleasant.

    The Best Citations of Any AI Chatbot

    Bing Chat sets the standard for how an AI tool can responsibly cite the information it scrapes to generate a response. Most sentences end with a footnote that links to the source. Those references make it more trustworthy. With other chatbots, it’s hard to blindly accept what it tells you, with ChatGPT being the worst offender. Bard falls somewhere in between the two on citations. It appears to list its sources for most responses, but they often include erroneous sources. For example, Bard gave me links to product listings and defunct URLs when I asked it to write an essay about a historical figure.

    Bing Chat is the only generative AI tool I can realistically use for work because it allows me to fact-check what it says. For other use cases, Bing Chat has the added benefit of providing citations that let you continue the research on your own. Sometimes, sifting through links and practicing what’s out there feels better than crafting the perfect AI prompt or asking follow-up questions. 

    Bing Chat Isn't Going to Write an Essay for You

    Although Bing Chat is an intriguing option for quick search queries, especially on a blank slate subject where you don’t know where to begin, it’s not quite as good of a writer as its competitors. When I asked it to write a biography of Nelson Mandela, it gave a short, 129-word answer, compared with ChatGPT’s 558 words and Google Bard’s 452.  Bing Chat also ended its response with advertisements for books on Mandela.

    The content across all three chatbots was similar, focusing on his political legacy as South Africa’s first Black president who helped bring an end to apartheid. Bing Chat, unsurprisingly, provided the best citations for me to follow up on my own. It pulled the information from Brittanica.com, Wikipedia, the movie database IMDB, and History.com. It’s unlikely any teacher wants to receive an essay written by Wikipedia and IMDB, making it ill-advised to copy and paste Bing Chat’s ideas verbatim—or that of any chatbot. It’s more like an introduction to get you up to speed on a topic. It won’t replace creative thinking or do the more inventive work of a true historian to provide an alternative interpretation of an old story.

    When I asked the same question in the More Creative style, Bing Chat gave a 507-word answer that was no more “creative,” only longer with more events from Mandela’s life. But I wanted creativity, so to spice it up I asked Bing Chat to rewrite the essay on Mandela in the style of Mark Twain.

    “Nelson Mandela was a mighty fine fellow who stood up against the mean folks who wanted to keep black people down in South Africa,” it wrote after admitting it couldn’t ensure it would be able to write as well as Twain’s original writings. “Mandela was always up to something, like protesting and campaigning against the bad laws,” it continued. It’s cringeworthy, made more off-putting by the large ads with books on Mark Twain that end the response.

    For another test of its creativity, I asked Bing Chat to write a script for a TV scene about a woman rescuing a dog. I also asked Google Bard and ChatGPT to create their own versions. Of the three, ChatGPT's was by far the best. It included four characters across three different settings, and interpreted "rescue a dog" to mean adopt from a shelter. Bing and Bard both provided simplistic, painfully cheesy scripts featuring just one character who finds a dog outside and frees it from being stuck. The main character in all three versions is a young woman, described as "cheerful" and "compassionate," an example of how AI can perpetuate stereotypes.

    Somewhat Helpful for Ideation, But Not a First Choice

    Even if Bing Chat is not necessarily the most creative AI, it can still help with ideation, especially on subjects where you don’t know where to start. I asked Google Bard, Bing Chat, and ChatGPT for ideas on how to approach a two-week trip to Mongolia in the summer of 2024. I intentionally picked a country that’s less visited than, say, Italy or France, to test its “intelligence” at putting together a more niche travel plan.

    ChatGPT (GPT-4) gave my least favorite answer: 350 words of bland travel advice, like getting a tourist visa and packing for variable weather. Bing Chat focused on specific sites to see. In a quick 150 words, most of which were bullet points, it suggested I start in Ulaanbaatar, the capital city, then fly to the Gobi desert, and finally see a national park. While Bing's answer was a bit better than ChatGPT's, it still isn't compelling enough for me to seriously consider building travel plans with it. Google Bard’s answer combined the advice from ChatGPT’s with Bing’s site-specific suggestions. I also liked how Bard's results include pictures and links to websites. Bard is the clear winner in this scenario.

    For another ideation experiment, I asked each chatbot to help me come up with ideas for articles I might write. I typically cover electric vehicles, with a focus on the US, European, and Chinese markets. Could a generative AI chatbot get me started covering EVs in another area that I’m not familiar with, like India? I asked, “What are some article ideas about electric vehicles in India?”

    Bard once again gave my favorite response. It provided five bullet points with trial headlines and a sentence on what the content in the article would discuss, which provided an overview of political and social challenges India will face in switching to EVs. It also suggested profiling a specific start-up, a more unique content type than the other chatbots suggested. 

    ChatGPT gave a list of 20 bland headlines with no detail about what the articles would cover. Bing gave five bulleted headlines, like Bard, but it included links to where it got those ideas so I can explore more. Having citations was once again helpful, because upon clicking the links I could see that three of the five sites it referenced in the answer are from 2022 or earlier. I don't want a list of stale ideas, but at least Bing empowered me with the right tools to qualify the information on my own. Bard’s ideas may have been similarly dated, though without listing its sources I cannot know, proving how valuable citations are in an AI-generated world.

    Bing Chat Will Not Replace Your Assistant

    Bing Chat’s focus on search questions limits its helpfulness as a productivity tool, which is one area Google Bard shines. Bard makes it easy to incorporate its responses into your workflow with one-click export to Docs, Sheets, and coding tools like Colab. You can even write an email and port it directly into Gmail, make some changes, and press send, which strikes me as an easy way to integrate AI into your daily routine. 

    In contrast, Bing Chat offers export to Microsoft Word, a PDF, or text file, but given its short, shallow responses, I can hardly see a use case for them. Bing Chat, Bard, and ChatGPT all offer a basic copy-and-paste function as well.

    Bing Chat cannot create tables. I asked Bard and ChatGPT to create a table of EVs on the market today, and while both were too short and contained inaccurate pricing information, at least they created a framework for me to build off of. But Bing Chat was not able to make a table, and instead pointed me to a site that had one. I had not seen that site before, and I value Bing’s ability to find such a comprehensive source. The table has some outdated prices, as did Bard and ChatGPT’s shortlists, but at least it has a "last updated" date, unlike the others. I can always copy and paste the table from that site, so it still helped me complete the same task.

    Bing Chat's Best Feature: Free Image Generator

    Bing Chat’s image generator is the one feature that compels me to minimize Google Chrome and pull up Microsoft Edge. Bard and ChatGPT do not have embedded image generators, so it sets Bing apart. 

    I enjoy asking Bing to create images like “a dog in a canoe” or “the pope coding." To do the same on OpenAI’s Dall-E or Midjourney requires a subscription.

    But as with all things AI, there are ethical issues with image generation. These services have been used to spread misinformation, even affecting the stock market and creating national security risks with fabricated images of Donald Trump getting arrested that went viral on social media. Bing knows about these risks, and it refuses to create images with well-known names or controversial topics. For the image of the pope, for example, it refused to specifically create an image with Pope Francis' likeness. Instead, it shows a man from behind wearing a religious robe, but is not recognizable as any one specific pope.

    As a best practice, for any images you create with Bing Chat and decide to share, you should note that they are AI-generated.

    Bing Chat Is a Reliable—Though Imperfect—Chatbot Worth Trying

    If you’re looking for a concise, search-oriented AI chatbot, Bing Chat is the one to try. It’s perhaps the most ethical and responsible of the options available today with its consistent citations, which makes it easier to vet the information, recover from the occasional inaccuracy, and dive deeper into the sites it references. 

    For non-Bing users, Bing Chat does not offer distinct enough search results to convince others, such as Google Search users, to make the switch—especially since Google's results page already offers a small text answer for simple searches. Bing Chat's competitors have notable strengths that it lacks, such as Google Bard’s productive export options and ChatGPT’s writing skills. In the end, the right chatbot depends on your task and digital habits, and none of the three hit enough marks or with enough consistency to be a clear Editors’ Choice winner. As such, Bing Chat likely won’t be your one-stop AI shop, but is certainly a compelling option to try.

    Microsoft’s ChatGPT-Powered Bing Makes Search Interesting Again – The New York Times

    AdvertisementSupported bythe shiftGoogle has stiff competition now, after Microsoft integrated powerful A.I. technology into its search engine.By Kevin RooseKevin Roose tested the new search technology from Microsoft’s campus in Redmond, Wash.Read the latest from Kevin Roose on his conversation with the chatbot built into Microsoft’s search engine.I still remember the first time I used Google. I was a nerdy, internet-obsessed preteen, and for weeks afterward, I couldn’t stop telling my friends and relatives about the cool new search engine with the weird, Seussian name: how fast it retrieved results, how much slicker and more intuitive it was than existing search engines like AltaVista and WebCrawler, and how magical it felt to be able to call up knowledge from the depths of the internet.I felt a similar sense of awe this week when I started using the new, A.I.-powered Bing. (Yes, Bing, Microsoft’s eternally mocked search engine. It’s good now. I know, I’m still adjusting, too.)Microsoft released the new Bing, which is powered by artificial intelligence software from OpenAI, the maker of the popular chatbot ChatGPT, with great fanfare at an event at the company’s headquarters on Tuesday. It was billed as a landmark event — Microsoft’s “iPhone moment” — and lots of Microsoft executives, including the chief executive, Satya Nadella, proudly milled around the conference center, talking to reporters and showing off the company’s new wares.But the real star was Bing itself or, rather, the artificial intelligence technology that has been plugged into Bing to help answer users’ questions and chat with them about any subject imaginable. (Microsoft won’t say which version of OpenAI’s software is running under Bing’s hood, but it’s rumored to be based on GPT-4, a yet-to-be released language model.)Microsoft, which first invested in OpenAI in 2019 and re-upped with a reported $10 billion investment this year, is capitalizing on a wave of latest progress in A.I. capabilities to try to catch up with Google, which has long held a dominant position in the search market. (And which has been spooked by all the latest ChatGPT hoopla into releasing new A.I. tools of its own.) Microsoft eventually plans to incorporate OpenAI’s technology into many of its products.But the Bing relaunch is especially momentous for Microsoft, which has struggled to gain a foothold in search for years. If it works, it could chip away at Google’s dominance and some of the more than $100 billion in annual search advertising revenue that comes with it.The new Bing, which is available only to a small group of testers now and will become more widely available soon, looks like a hybrid of a standard search engine and a GPT-style chatbot. Type in a prompt — say, “Write me a menu for a vegetarian dinner party” — and the left side of your screen fills up with the standard ads and links to recipe websites. On the right side, Bing’s A.I. engine starts typing out a response in full sentences, often annotated with links to the websites it’s retrieving information from.To ask a follow-up question or make a more detailed request — for example, “Write a grocery list for that menu, sorted by aisle, with amounts needed to make enough food for eight people” — you can open up a chat window and type it. (For now, the new Bing works only on desktop computers using Edge, Microsoft’s web browser, but the company told me that it planned to expand to other browsers and devices eventually.)I tested the new Bing for a few hours on Tuesday afternoon, and it’s a marked improvement over Google. It’s also an improvement over ChatGPT, which, despite its many capabilities, was never designed to be used as a search engine. It doesn’t cite its sources, and it has trouble incorporating up-to-date information or events. So while ChatGPT can write a beautiful poem about baseball or draft a testy email to your landlord, it’s less suited to telling you what happened in Ukraine last week or where to find a decent meal in Albuquerque.Microsoft has gotten around some of ChatGPT’s limitations by marrying OpenAI’s language capabilities to Bing’s search function, using a proprietary tool it’s calling Prometheus. The technology works, roughly, by extracting search terms from users’ requests, running those queries through Bing’s search index and then using those search results in combination with its own language model to formulate a response. In both Microsoft’s demos and my own testing, Bing did well at a wide variety of search-related tasks, including creating travel itineraries, brainstorming gift ideas and summarizing books and movie plots.Microsoft has also incorporated OpenAI’s technology into Edge, its web browser, as a kind of superpowered writing assistant. Users can now open a panel in Edge, type in a general subject and get an A.I.-generated paragraph, blog post, email or list of ideas written in one of five tones. (Professional, casual, informational, enthusiastic or funny.) They can paste that text directly into a web browser, a social media app or an email client.Users can also chat with Edge’s built-in A.I. about any website they’re viewing, asking for summaries or additional information. In one eye-popping demo on Tuesday, a Microsoft executive navigated to the Gap’s website, opened a PDF file with the company’s most latest quarterly financial results and asked Edge to both summarize the key takeaways and create a table comparing the data with the most latest financial results from another clothing company, Lululemon. The A.I. did both, almost instantly.The new Bing is far from perfect. Like ChatGPT, it’s prone to spouting confident-sounding nonsense, and its answers can be erratic. When I gave it a basic math puzzle — “If a dozen eggs cost $0.24, how many eggs can you buy for a dollar?” — it got the answer wrong. (It said 100; the correct answer is 50.)It also didn’t do well when I asked it for a list of kid-friendly activities happening in my hometown this coming weekend. Among Bing’s suggestions were a Lunar New Year parade (which happened last weekend), a fund-raiser for a local school (which happened two weekends ago) and a “tie-dye Hanukkah celebration” (which happened in mid-December).There are also legitimate questions about how quickly all of this A.I. technology is being developed and deployed. And, of course, using A.I. language models to answer search queries raises a litany of thorny questions about copyright, attribution and bias. (To name an obvious one: What will happen to all the publishers that rely on Google as a traffic source if no one on Bing needs to click the links to their sites?)But fixating on the areas where these tools fall short risks missing what’s so amazing about what they get right. When the new Bing works, it’s not just a better search engine. It’s an entirely new way of interacting with information on the internet, one whose full implications I’m still trying to wrap my head around.Kevin Scott, the chief technology officer of Microsoft, and Sam Altman, the chief executive of OpenAI, said in a joint interview on Tuesday that they expected these issues to be ironed out over time. It’s still early days for this kind of A.I., they said, and it’s too early to predict the downstream consequences of putting this technology in billions of people’s hands.“With any new technology, you don’t perfectly forecast all of the issues and mitigations,” Mr. Altman said. “But if you run a very tight feedback loop, at the rate things are evolving, I think they can get to very solid products very fast.”For now, only one thing seems clear: After years of stagnation and stasis, Microsoft and OpenAI have made search interesting again.After I turn in this column, I’m going to do something I thought I’d never do: I’m switching my desktop computer’s default search engine to Bing. And Google, my default source of information for my entire adult life, is going to have to fight to get me back.Kevin Roose is a technology columnist and the author of “Futureproof: 9 Rules for Humans in the Age of Automation.” More about Kevin RooseAdvertisement


    Microsoft set to bring free GPT-4 toggle for Bing Chat AI on Android, iOS

    Microsoft is reportedly testing free GPT-4 toggle in Bing Chat AI on Android and iOS. Pixabay

    Microsoft has released a new server-side update for the Bing Chat app on Android and iOS with a new toggle dubbed GPT-4. The newly added feature allows you to unleash the full potential of ChatGPT GPT-4. Aside from that, it lets you take full advantage of the existing "tones" feature.

    To those unaware, Bing Chat allows users to choose between different styles including "Creative," "Balance." or "More Precise." Now, the word on the street is that the chat experience is likely to Strengthen with the addition of the new GPT-4. This is welcome news after Microsoft admitted that Bing Chat has been facing quality issues.

    In fact, the folks at Windows Latest believe the move could be part of Microsoft's plan to ensure that interacting with the chatbot doesn't feel like talking to an assistant for Bing.com.

    Bing Chat AI gets a new feature

    Notably, the American tech giant is also prepping to bring Bing AI chat to non-Microsoft browsers on desktops and mobile devices. In the meantime, the company is rolling out a new GPT-4 toggle via the Bing app for Android and iOS users.

    To recap, Microsoft confirmed that the new Bing runs on OpenAI's GPT-4 back in March. Now, a Microsoft support staff told Windows Latest that the new GPT-4 toggle feature will allow users to chat with GPT-4, which is OpenAI's multimodal LLM (large language model).

    Apparently, the GPT-4 toggle allows users to chat with Bing's GPT-4 model without requiring any additional customisation by Microsoft. You can return to the existing tones feature by clicking on the three dots menu to use Microsoft's customisation.

    "Please note that GPT-4 is not perfect and may make mistakes or produce inappropriate responses. If you encounter any issues or have any feedback, please let us know by using the feedback button on the chat interface," a Microsoft staff said.

    Bing Chat will not get a search mode

    Microsoft is reportedly not planning to add a search or offline mode for Bing Chat. When a user asks a question, Bing usually searches the internet for the answer just like how they use search engines like Google.

    However, it adopts the same lengthy process even for simple questions. Some users claim they do not always use Bing to search the web. Instead, they use Windows 11's Copilot. They want Bing to supply quick answers without always searching the internet.

    Windows Latest sources at Microsoft have divulged details about what could be in the offing. Notably, Bing might soon start answering from what it already knows rather than going online. This will make the chat faster and smoother.

    Currently, Bing searches online to provide an answer even if you ask a common question like "How do I convert a JPG file to a PDF file?" So, it will be interesting to see whether the planned changes will help Bing answer quickly without the need to search.

    Moreover, Microsoft's updates to Bing Chat could make the tool more user-friendly. Nevertheless, it is still unclear whether these changes will make Bing a preferred choice for those looking for a seamless chatbot experience. Regrettably, things aren't looking good for Bing's search.

    Bing Search market share

    Microsoft integrated OpenAI's widely popular chatbot, ChatGPT, into Bing in a bid to enhance the search experience. Also, the company aimed to challenge Google's dominance in the search engine segment.

    Much to Microsoft's chagrin, the market share for Bing has remained largely unchanged even six months after ChatGPT integration. Bing's global market share is around just 3 per cent.

    Google's share also slightly decreased from 93 to 92 per cent, according to the data shared by Statcounter and Similarweb. A separate report by The Wall Street Journal claims former Google and LinkedIn employee and search market expert Daniel Tunkelang said that Bing's AI-enhanced efforts have been "cute, but not a game-changer."


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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