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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Pegasystems PEGAPCLSA86V2 : Lead System Architect (LSA) Pega Architecture ACTUAL EXAM QUESTIONS

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Latest 2023 Updated Pegasystems Lead System Architect (LSA) Pega Architecture Syllabus
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Exam Number : PEGAPCLSA86V2
Exam Name : Lead System Architect (LSA) Pega Architecture
Vendor Name : Pegasystems
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PEGAPCLSA86V2 test Format | PEGAPCLSA86V2 Course Contents | PEGAPCLSA86V2 Course Outline | PEGAPCLSA86V2 test Syllabus | PEGAPCLSA86V2 test Objectives

Exam Specification: PEGAPCLSA86V2 (Lead System Architect - Pega Architecture)

Exam Name: PEGAPCLSA86V2 (Lead System Architect - Pega Architecture)
Exam Code: PEGAPCLSA86V2
Exam Duration: 90 minutes
Passing Score: Not specified
Exam Format: Multiple-choice

Course Outline:

1. Introduction to Pega Architecture
- Overview of Pega platform and its architecture
- Key concepts and components of Pega architecture
- Understanding the role of a Lead System Architect (LSA) in Pega projects

2. Pega Application Development
- Pega application development lifecycle
- Application profile and case types
- Data modeling and integration in Pega applications

3. Pega Rule Development
- Rule types and rule resolution in Pega
- User interface development in Pega applications
- Decisioning and business rules in Pega

4. Pega Application Security
- Authentication and authorization mechanisms in Pega
- Implementing role-based access control
- Data security and encryption in Pega applications

5. Pega Application Performance and Scalability
- Performance optimization techniques in Pega
- Caching and data storage strategies
- Scalability considerations in Pega architecture

6. Pega Integration and Deployment
- Integration patterns and techniques in Pega
- Integration with external systems and services
- Deployment strategies and best practices in Pega

Exam Objectives:

1. Understand the key concepts and components of Pega architecture.
2. Familiarize with the Pega application development lifecycle.
3. Learn about rule types, rule resolution, and user interface development in Pega.
4. Gain knowledge of decisioning and business rules in Pega applications.
5. Implement application security measures in Pega, including authentication, authorization, and data security.
6. Optimize application performance and scalability in Pega.
7. Integrate Pega applications with external systems and services.
8. Understand deployment strategies and best practices in Pega.

Exam Syllabus:

Section 1: Introduction to Pega Architecture (10%)
- Overview of Pega platform and its architecture
- Key concepts and components of Pega architecture
- Role of a Lead System Architect (LSA) in Pega projects

Section 2: Pega Application Development (20%)
- Pega application development lifecycle
- Application profile and case types
- Data modeling and integration in Pega applications

Section 3: Pega Rule Development (25%)
- Rule types and rule resolution in Pega
- User interface development in Pega applications
- Decisioning and business rules in Pega

Section 4: Pega Application Security (15%)
- Authentication and authorization mechanisms in Pega
- Role-based access control in Pega applications
- Data security and encryption in Pega

Section 5: Pega Application Performance and Scalability (15%)
- Performance optimization techniques in Pega
- Caching and data storage strategies in Pega
- Scalability considerations in Pega architecture

Section 6: Pega Integration and Deployment (15%)
- Integration patterns and techniques in Pega
- Integration with external systems and services in Pega
- Deployment strategies and best practices in Pega

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How to Test Air Quality in Your Home

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Household pollutants can come from a variety of sources including the materials used in your home’s construction, and mold and mildew caused by poor ventilation. Clean air in the home can protect you from carcinogens, allergens, and harmful particulates. Even if you don’t suspect a problem, it’s a good idea to have some type of air quality monitor in the home. Threats like radon and carbon monoxide are colorless, odorless, and tasteless, and you’ll have no clue that there’s trouble until you’re already in the danger zone. The good news is that it’s fairly easy to conduct indoor air quality testing and monitoring yourself: All you need is a few key tools.

Signs of Poor Indoor Air Quality

The wide range of pollutants, particulates, and allergens that can affect indoor air make it difficult to create an all-inclusive list of poor indoor air quality indicators. However, there are circumstances and signs that could indicate poor air quality in your home, including:

Poor ventilation: Condensation on walls or windows, musty-smelling air, or areas where mold collects on walls suggests a ventilation issue.

Health problems: Respiratory or other health problems that develop after moving into a home and that subside after time spent away from home point toward an environmental issue in the home.

Unusual odors: If you notice unusual odors after a period of absence from home, pollutants or mold could be permeating the indoor air.

Older homes: Materials and construction methods used in older homes sometimes include materials known to emit harmful VOCs or pollutants. Outdated construction methods may also contribute to ventilation problems. That doesn’t mean that new homes can’t have issues with indoor air quality—it just means that poor indoor air quality is less likely in newer builds because they have to conform to modern building codes.

RELATED: Mold vs. Mildew: What’s the Difference?

Tools & Materials Before You Begin

Not every home requires air quality testing for every potential particulate or pollutant. Often, the types of symptoms you experience and the age and location of the home can help you narrow down potential pollutants. Be sure to consult a doctor if you are experiencing health problems that you suspect are related to your home environment. A doctor can help identify and treat health issues related to exposure to mold, radon, and carbon monoxide.

STEP 1: Set up an indoor air quality monitor.

How is air quality measured? Some monitors use electrochemical sensors that detect toxins while others estimate particulate matter (PM) based on the particulates that pass in front of a laser. It depends on the type of monitor you have and what it’s designed to detect.

Air quality testing can detect harmful odorless gasses like carbon monoxide and radon. Depending on the model, they may also detect volatile organic compounds (VOCs) or pollutants such as airborne particulate matter. More advanced indoor air quality monitors may also measure the room’s humidity and temperature.

Choose a monitor that detects the specific pollutants that concern you. For example, if you live in an area with high air pollution, you’re more likely to need a model that detects particulate matter. Those who live in older homes may want to get a model that detects radon and carbon monoxide (though either can be present in newer homes, too).

Our Recommendation: Temptop M10 Air Quality Monitor – Get it at Amazon for $92.99This portable air quality monitor’s sensors track airborne particulate matter, VOCs, and formaldehyde with a simple display and interface.

STEP 2: Test for mold.

Mold tests come in various formats, including swabs, tape strips, air pumps, and petri dish tests. Swabs and tape strip tests collect potential contaminants from a surface like a counter or tabletop. The results from a swab test come within a few minutes, though you may not know the exact type of mold.

Tape strips, air pumps, and petri dish tests require the collected demo be sent to a lab for analysis. While these tests are more accurate than a simple swab test, it can take anywhere from a few days to a few weeks to get the results. Additionally, petri dish tests can get contaminated from other particles in the air. Tape strips and swabs can also get contaminated by other particles on the tested surface.

Air pumps offer a closed system that’s less likely to get contaminated, though they tend to cost more. Set the mold test up near the home’s ventilation or in the area where you suspect mold or a contaminant. However, always follow the directions on the test kit for the best results.

Our Recommendation: Seeml Labs DIY Mold 3 Test Kit – Get it at Amazon for $32.99 This kit comes with three tests (one swab and two tape strips), which offer same-day (that the results arrive) results from a lab.

RELATED: How to Test for Mold

STEP 3: Perform a radon test at home.

Radon gas naturally occurs as a byproduct of the breakdown of the uranium found in certain rocks and soil. The gas can seep its way into a home through the foundation until it reaches harmful levels.

Radon tests detect levels of the gas over time. Short-term tests take 90 days or less, while long-term tests can take several months. The results from these tests are usually interpreted by a lab. Continuous tests monitor radon levels at all times and alert you if high levels of radon are detected.

Depending on the type of radon test you use, the testing process may require installing detection sheets or other materials in an area suggested by the manufacturer. The key is to follow the instructions on the test.

Our Recommendation: Airthings 2989 View Radon – Get it at Amazon for $199.99This continuous, battery- or USB-operated radon monitor measures indoor radon levels, temperature, and humidity and integrates with the Airthings mobile app to provide the user remote alerts.

STEP 4: Install carbon monoxide detectors on every level of your home.

Carbon monoxide (CO) is an odorless, poisonous gas that causes confusion, dizziness, and headaches before it causes a loss of consciousness and death. Many smoke detectors these days are combination smoke and carbon monoxide detectors. It’s critically important to have both types of detectors in your home, so you’ll want to make sure that your home safety plan monitors both smoke and carbon monoxide.

Carbon monoxide detectors should be placed outside bedrooms, and anywhere in the house you’d place a smoke detectors. There should be a carbon monoxide detector on each level of the home and near sleeping areas. Carbon monoxide rises with air, so the detector should be placed about 5 feet off the floor on a wall or on the ceiling. Do not put them near a fireplace or open flame.

Our Recommendation: Kidde Nighthawk Carbon Monoxide Detector – Get it at Amazon for $34.99Kidde’s Nighthawk is a reliable, affordable carbon monoxide detector that sounds when CO levels reach unhealthy levels. They like that it has a digital display and multiple power sources, including battery backup, so it will continue functioning during a power outage.

RELATED: 8 Myths About Indoor Air Quality and the Facts You Need to Breathe Easy

Tips for Improving Indoor Air Quality

Home air quality monitoring devices will alert you if pollutants reach dangerous levels. However, there are many things you can do to prevent levels from reaching dangerous levels in the first place.

• Check your HVAC system to make sure it’s functioning at peak efficiency.

• Increase the airflow in your home by periodically opening the windows and using fans to circulate the air.

• Stay on top of mold removal and prevention around the home. If you find mold, try scrubbing it with a mold-killing cleaner like bleach or borax. For delicate surfaces, you can use dish soap or diluted white vinegar. Unfortunately, you may not be able to remove mold from porous surfaces, and they may need to be replaced.

Carbon monoxide is incredibly dangerous. If you suspect that there’s carbon monoxide in your home in high or low doses, leave at once. Open windows and doors, and get outside into the fresh air. Contact the proper authorities to get you and the home checked for carbon monoxide poisoning.

Prices in this article are accurate as of August 3, 2023.

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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

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.

Erpressung

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:

Cyber-Kosten:

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

Cyber-Eigenschäden:

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