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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Motorola MSC-241 : Design and Deploy for MOTOTRBO Solutions EMEA exam Dumps

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Exam Number : MSC-241
Exam Name : Design and Deploy for MOTOTRBO Solutions EMEA
Vendor Name : Motorola
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MSC-241 exam Format | MSC-241 Course Contents | MSC-241 Course Outline | MSC-241 exam Syllabus | MSC-241 exam Objectives

Exam: MSC-241 Design and Deploy for MOTOTRBO Solutions EMEA

Exam Details:
- Number of Questions: The exact number of questions may vary, but the exam typically consists of multiple-choice questions and scenario-based questions.
- Time: Candidates are usually given a specific time duration to complete the exam.

Course Outline:
The MSC-241 Design and Deploy for MOTOTRBO Solutions EMEA course is designed for professionals who are responsible for planning, designing, and deploying MOTOTRBO communication solutions in the EMEA region. The course provides knowledge and skills required to effectively design and deploy MOTOTRBO systems based on customer requirements and industry best practices. The course outline includes the following topics:

1. MOTOTRBO System Overview
- Introduction to MOTOTRBO technology and features
- Understanding MOTOTRBO system components and architecture
- MOTOTRBO system planning considerations

2. Radio Coverage Planning
- Conducting site surveys and assessing coverage requirements
- RF propagation principles and coverage prediction tools
- Designing and optimizing radio coverage for MOTOTRBO systems

3. Capacity and Traffic Planning
- Understanding voice and data traffic requirements
- Capacity planning methodologies
- Designing for efficient channel allocation and system capacity

4. IP Networking and Integration
- IP networking fundamentals and protocols
- Integration of MOTOTRBO systems with existing networks
- VLAN configuration and network security considerations

5. System Configuration and Programming
- MOTOTRBO system configuration parameters
- Programming MOTOTRBO radios and devices
- Feature activation and customization

6. System Deployment and Testing
- System staging and installation
- Conducting functional and performance testing
- Troubleshooting and resolving deployment issues

Exam Objectives:
The MSC-241 exam aims to assess candidates' knowledge and skills in designing and deploying MOTOTRBO solutions in the EMEA region. The exam objectives include:

1. Understanding MOTOTRBO technology, system components, and architecture.
2. Conducting radio coverage planning and optimization for MOTOTRBO systems.
3. Planning and designing for system capacity and efficient traffic management.
4. Integrating MOTOTRBO systems with IP networks and ensuring network security.
5. Configuring and programming MOTOTRBO systems, radios, and devices.
6. Deploying MOTOTRBO systems, conducting testing, and troubleshooting deployment issues.

Exam Syllabus:
The exam syllabus covers the following topics:

- MOTOTRBO System Overview
- Radio Coverage Planning
- Capacity and Traffic Planning
- IP Networking and Integration
- System Configuration and Programming
- System Deployment and Testing

Candidates are expected to have a deep understanding of these courses and demonstrate their ability to apply MOTOTRBO solutions in real-world scenarios. The exam assesses their knowledge, problem-solving skills, and ability to design and deploy MOTOTRBO systems that meet customer requirements and industry best practices in the EMEA region.

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Mena Telecom Selects Motorola to Deploy and Manage a Nationwide WiMAX and IMS Network in the Kingdom of Bahrain

Mena Telecom today signed a contract with Motorola, Inc. (NYSE:MOT) to plan, deploy and manage a nationwide 802.16e-based mobile WiMAX and IP Multimedia Subsystem (IMS) network in the Kingdom of Bahrain.  The 802.16e WiMAX standard delivers significant advantages over the fixed 802.16d standard that is being used by some operators, including advanced antenna technology to Strengthen capacity and range performance. 

This agreement will enable Mena Telecom to leverage Motorola’s leadership in mobile WiMAX and deliver wireless broadband connectivity as well as advanced voice and nomadic broadband data services to both business and residential customers across the Kingdom of Bahrain.  With Motorola’s WiMAX solution, Mena Telecom’s infrastructure will be compatible with technology to be embedded in numerous future devices, including laptops.

The end-to-end network, operating in the 3.5GHz frequency band, will comprise WiMAX infrastructure, IMS core, Customer Premises Equipment (CPE), voice and data applications, and operational and business support systems.  Under the terms of the contract, Motorola will also take responsibility for the Customer Relationship Management (CRM) systems, as well as the technical operations of the project and management of the entire WiMAX/IMS network.  The services included in the contract will ensure that Mena Telecom’s evolving WiMAX infrastructure stays current and responsive to business and residential demand as well as technological development.

The Kingdom of Bahrain will be one of the first countries in the world to deploy a nationwide WiMAX 802.16e-based network.  In a ceremony held today, Mr. Abdulhakeem Al Khayyat, chairman of Mena Telecom and general manager of Kuwait Finance House (Bahrain) signed with Motorola for the supply, deployment, operation and management of a nationwide, state-of-the-art mobile WiMAX network.

Mena Telecom with the support of Motorola and integration with Motorola’s WiMAX/IMS solution will be able to offer enhanced communication services for its business and consumer customers.  The Motorola IMS network provides the necessary platform to allow Mena Telecom to continuously enhance its services with minimal impact to the deployed infrastructure.  For business customers, Mena Telecom will be able to offer enterprise data, IP Centrex, PBX connectivity and conferencing services.  Existing Mena Telecom voice services including carrier pre-selection (CPS), pre-paid calling and international VoIP termination will be migrated to the new network.  Motorola will also deliver and operate a multi-channel contact center combined with integrated OSS and BSS capabilities, helping Mena Telecom to deliver a differentiated customer experience.

Mena Telecom expects the network to be ready for service by the fourth quarter of 2007. In the first phase, a full range of services is expected to be available from Manama to the Seef Area beginning in January 2008.  In the second phase, coverage will be extended to other areas in the Kingdom by March 2008.

Mr. Abdulhakeem Al Khayyat, chairman of Mena Telecom and general manager of Kuwait Finance House (Bahrain), said “Mena Telecom aims to make broadband services available to customers throughout the Kingdom of Bahrain at better value-for-money prices.  Equally, using wireless technology, they aim to provide customers with the convenience that will come from nomadic service availability.  They selected Motorola because it is a leading major vendor with assets in all of the critical product and service line areas – and the necessary global span and market presence needed to deliver a practical, fully integrated end-to-end WiMAX solution.  They will be a full service provider of voice and data, and Motorola’s WiMAX and IMS solutions and services allow us to achieve their goal of affordable broadband for both business and individual consumers, without the complexity of building a wired network.”

Mr. Al Khayyat continued, “We firmly support the future advancement of the Bahrain telecom sector with the latest state-of-the-art technology.  The investment environment favors competition and innovation, allowing an operator with leading-edge technology to enter the market and become a prime competitor.  Mena Telecom has the unique opportunity of significantly contributing to the development of the Kingdom of Bahrain while at the same time creating a prosperous telecoms business.”

When questioned about security for this new technology, Mr Abdul Razak Jawahery executive manager at Kuwait Finance House (Bahrain), representing KFH as vice chairman and managing director of Mena Telecom said: “From the outset, the WiMAX standard based on 802.16e was developed specifically with the knowledge that widespread adoption of a broadband wireless service could only happen if both business and residential users were confident that it would be secure.  This standard is targeted at tier 1 service providers with licensed spectrum.  Users can be confident that WiMAX is secure as it’s the latest and most advanced wireless broadband technology and has the latest security built in.”

Motorola has successfully deployed WiMAX technology, with over 25 WiMAX trials and nine deployments underway on six continents, providing a full end-to-end WiMAX solution to its customers.

Mr. Ali Amer, vice president, Middle East, Africa and Pakistan, Motorola Home & Networks Mobility said: “We are excited to be working with Mena Telecom to bring WiMAX to the people of the Kingdom of Bahrain.  The Middle East region is demonstrating a strong appetite for innovative technologies and this announcement today demonstrates how a country like the Kingdom of Bahrain, a leader in the early adoption of technology, can leapfrog directly to innovative next-generation technology.  Having long recognized the market need for high performing and cost-effective broadband wireless solutions, Motorola leverages over a decade of investment to deliver its MOTOwi4™ portfolio.  Motorola’s end-to-end WiMAX solutions and services enable operators to quickly and efficiently realize the large revenue potential of corporate as well as residential users.  Motorola will also be operating and managing the network which will enable Mena Telecom to focus on its core competencies and support its efforts to bring WiMAX services to Bahraini customers that deliver a personal broadband experience.”

About Mena TelecomMena Telecom is a licensed telecommunications company based in the Kingdom of Bahrain.  An investment subsidiary of Kuwait Finance House (Bahrain), Mena Telecom aims to revolutionize the telecommunications industry in the Kingdom and beyond. Since its inception in 2003, Mena Telecom has made a significant impact in the telecommunications sector by adapting leading, innovative technology.

Mena Telecom is a pioneer in the telecommunications field as one of the region’s first GCC based Satellite Access Service Providers (SASP).  Leading the way for others in the industry to follow, MENA Telecom was one of the first in the telecommunications sector to adopt and actively promote SASP technology which provides high speed WAN connectivity and enables access to the World Wide Web through an advanced two way satellite network.

Mena Telecom offers total telecommunications solutions which include the following services: International Fixed Line Call Service, International Calling Cards, Two Way Satellite Services and Broadband Applications.

About MotorolaMotorola is known around the world for innovation and leadership in wireless and broadband communications. Inspired by their vision of seamless mobility, the people of Motorola are committed to helping you connect simply and seamlessly to the people, information, and entertainment that you want and need.  They do this by designing and delivering "must have" products, "must do" experiences and powerful networks -- along with a full complement of support services.  A Fortune 100 company with global presence and impact, Motorola had sales of US $42.9 billion in 2006.  For more information about their company, their people and their innovations, please visit www.motorola.com.



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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