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 : PEGAPCSSA86V1
Exam Name : Pega Certified Senior System Architect (PCSSA) 86V1
Vendor Name : Pegasystems
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Exam Specification: PEGAPCSSA86V1 Pega Certified Senior System Architect (PCSSA) 86V1

Exam Name: PEGAPCSSA86V1 Pega Certified Senior System Architect (PCSSA) 86V1
Exam Code: PEGAPCSSA86V1
Exam Duration: 90 minutes
Passing Score: 65%
Exam Format: Multiple-choice, Drag and Drop, and Simulation
Exam Delivery: Proctored online or at a testing center

Course Outline:

1. Introduction to Pega Platform
- Overview of Pega Platform and its key features
- Introduction to Pega application development methodology
- Exploring the role of a Senior System Architect

2. Designing and Modeling Applications
- Understanding Pega application architecture and components
- Building case types and case lifecycles
- Modeling data objects and data relationships

3. User Interface Design and Development
- Creating and customizing user interfaces using Pega's UI components
- Configuring dynamic layouts and responsive design
- Implementing user interface rules and harnesses

4. Process Design and Implementation
- Designing and modeling business processes using Pega's Process Modeler
- Implementing flow actions, flow shapes, and decision shapes
- Configuring case routing and assignment rules

5. Data Integration and Connectors
- Integrating external systems using Pega's connectors
- Configuring data pages and data transforms
- Implementing data mapping and data validation rules

6. Case Management and Decisioning
- Implementing case management features and capabilities
- Designing and configuring decision strategies using Pega's Decision Modeler
- Implementing decision tables and decision trees

7. Application Security and Testing
- Configuring access control and security policies
- Implementing authentication and authorization mechanisms
- Performing unit testing and debugging of Pega applications

Exam Objectives:

1. Understand the key features and components of Pega Platform.
2. Design and model applications using Pega's application development methodology.
3. Design and develop user interfaces using Pega's UI components.
4. Design and implement business processes using Pega's Process Modeler.
5. Integrate external systems using Pega's connectors and data integration tools.
6. Implement case management features and decisioning capabilities.
7. Configure application security and perform testing of Pega applications.

Exam Syllabus:

Section 1: Introduction to Pega Platform (10%)
- Overview of Pega Platform and its key features
- Pega application development methodology
- Role and responsibilities of a Senior System Architect

Section 2: Designing and Modeling Applications (20%)
- Pega application architecture and components
- Case types and case lifecycles
- Data objects and relationships

Section 3: User Interface Design and Development (15%)
- Pega UI components and customization
- Dynamic layouts and responsive design
- User interface rules and harnesses

Section 4: Process Design and Implementation (20%)
- Business process design using Pega's Process Modeler
- Flow actions, flow shapes, and decision shapes
- Case routing and assignment rules

Section 5: Data Integration and Connectors (10%)
- Integration of external systems using Pega's connectors
- Data pages and data transforms
- Data mapping and data validation rules

Section 6: Case Management and Decisioning (15%)
- Case management features and capabilities
- Decision strategy design using Pega's Decision Modeler
- Decision tables and decision trees

Section 7: Application Security and Testing (10%)
- Access control and security policies
- Authentication and authorization mechanisms
- Unit testing and debugging of Pega applications



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Kombucha may help control blood sugar in Type 2 diabetics: study

A SCOBY may look pretty gross, but new research suggests the bacteria and yeast glob could help Type 2 diabetics lower their blood sugar levels.

The study found participants who consumed 8 ounces of kombucha for four weeks saw their blood sugar levels decrease from 164 to 116 milligrams per deciliter.

Scientists from Georgetown University, the University of Nebraska-Lincoln and the nonprofit MedStar Health reported the findings Tuesday in the Frontiers in Nutrition journal.

Kombucha, a fermented, sweetened black tea drink produced from a symbiotic culture of bacteria and yeast, has long been touted as healthy, based on claims it enhances immunity and energy levels, reduces food cravings and alleviates gut inflammation.

“Some laboratory and rodent studies of kombucha have shown promise, and one small study in people without diabetes showed kombucha lowered blood sugar,” study co-author Dr. Dan Merenstein, a professor at Georgetown’s School of Health, said in a statement.

Two people with hands one injecting insulin in finger. In a new study, kombucha was shown to reduce blood sugar levels in Type 2 diabetes sufferers. Getty Images

“But to their knowledge, this is the first clinical trial examining effects of kombucha in people with diabetes,” he continued. “A lot more research needs to be done, but this is very promising.”

In the study, one group drank the kombucha while another downed a placebo beverage.

No one was told which drink they were receiving.

After a two-month period to “wash out” the biological effects of the beverages, the mixtures were swapped between the groups, who were directed to drink their new concoction for four weeks.

 view of Health-Ade Pink Lady Apple and Passion Fruit-Tangerine kombuchas are seen as Ryan Seacrest partners with Health-Ade to bring kombucha to LA Dodger Fans at Dodger Stadium. Study participants drank beverages produced by Craft Kombucha. Getty Images for

The placebo beverage didn’t seem to have any effect on blood sugar levels.

The American Diabetes Association advises that fasting blood sugar levels should be between 80 to 130 milligrams per deciliter.

Participants drank kombucha produced by Craft Kombucha, a commercial manufacturer in the D.C. area.

The study authors noted different brands of kombucha have slightly varying microbial mixtures.

“However, the major bacteria and yeasts are highly reproducible and likely to be functionally similar between brands and batches, which was reassuring for their trial,” said Dr. Robert Hutkins, the study’s senior author.

Miami Beach, Florida, Whole Foods supermarket, retail display of kombucha, tea, fruit punch and healthy energy drinks. Kombucha has long been touted as a healthy drink. Jeffrey Greenberg/Universal Images Group via Getty Images

According to the Centers for Disease Control and Prevention, more than 37 million Americans have diabetes, and 90% to 95% of them have Type 2 diabetes.

Approximately 96 million American adults — more than 1 in 3 — have prediabetes.

“Diabetes itself is the eighth leading cause of death in the US as well as being a major risk factor for heart disease, stroke and kidney failure,” lead study author Dr. Chagai Mendelson said.

Mendelson said further studies are needed to assess kombucha’s effect on diabetes.

“We hope that a much larger trial, using the lessons they learned in this trial, could be undertaken to give a more definitive answer to the effectiveness of kombucha in reducing blood glucose levels, and hence prevent or help treat Type 2 diabetes,” he added.


 


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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