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 : PL-200
Exam Name : Microsoft Power Platform Functional Consultant
Vendor Name : Microsoft
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PL-200 test Format | PL-200 Course Contents | PL-200 Course Outline | PL-200 test Syllabus | PL-200 test Objectives
Exam ID : PL-200
Exam Name : Microsoft Power Platform Functional Consultant
Candidates for this test perform discovery, capture requirements, engage subject matter experts and stakeholders, translate requirements, and configure Power Platform solutions and apps. They create application enhancements, custom user experiences, system integrations, data conversions, custom process automation, and custom visualizations.
Candidates implement the design provided by and in collaboration with a solution architect and the standards, branding, and artifacts established by User Experience Designers. They design integrations to provide seamless integration with third party applications and services.
Candidates actively collaborate with quality assurance team members to ensure that solutions meet functional and non-functional requirements. They identify, generate, and deliver artifacts for packaging and deployment to DevOps engineers, and provide operations and maintenance training to Power Platform administrators.
Power Platform Functional Consultants should be familiar with Dynamics 365 model-driven applications and should have experience using the Power Platform components to extend and customize Dynamics 365 model-driven applications.
Configure the Common Data Service (25-30%)
Create apps by using Power Apps (20-25%)
Create and manage Power Automate (15-20%)
Implement Power Virtual Agents chatbots (10-15%)
Integrate Power Apps with other apps and services (15-20%)
Configure the Common Data Service (25-30%)
Manage an existing data model
assign a type for an entity including standard, activity, or virtual
configure entity ownership
create new entities or modify existing entities
determine which type of relationship to implement including 1: N and N: N
configure entity relationship behaviors including cascading rules
create new relationships or modify existing relationships
create new fields or modify existing fields
create alternate keys for entities
configure entity properties
Create and manage processes
define requirements for business rules
define and implement business rule logic
define the scope for business rules
configure and test business rules
configure a synchronous classic workflow
Configure Common Data Service settings
configure Relevance Search
configure auditing
perform data management tasks
configure duplicate detection settings
Configure security settings
create and manage business units
create and manage security roles
create and manage users and teams
create and manage field security profiles
configure hierarchy security
Create apps by using Power Apps (20-25%)
Create model-driven apps
create and configure forms
create and configure views
create and configure charts
create and configure dashboards
configure site maps
select applicable assets for an app including entities, forms, views, business process
flows, dashboards, and charts
share a model-drive app
Create canvas apps
create a canvas app
configure the Common Data Service as a data source for an app
create canvas app screens
implement form navigation, formulas, variables and collections, and error handling
build reusable components and component libraries
configure offline capabilities for apps
run Power Automate flows based on actions that occur in a canvas app
interpret App Checker results and resolve identified issues
test, monitor, and share apps
Create portal apps
create a portal app
expose Common Data Service data
configure portal web pages, forms, and navigation
configure portal security including web roles and page access
Create and manage Power Automate (15-20%)
Create flows
describe types of flows and flow components
trigger a flow by using Common Data Service connectors
run actions by using the Common Data Service connector
implement logic control
implement dynamic content and expressions
interpret and act on Flow Checker results
activate and deactivate flows
interpret flow analytic data
Create and manage business process flows
configure a business process flow
add business rules, workflows, and action steps to a business process flow
define stages and steps
configure parallel branches
manage the business process flow entity for a business process flow
Build UI flows
describe types of UI flows
identify use cases for UI flows
differentiate between attended and unattended UI flows
record business process tasks
Implement Power Virtual Agents chatbots (10-15%)
Create chatbot
assign a chatbot to an environment
publish a chatbot
share a chatbot
add chatbots to Teams and other channels
monitor and diagnose bot performance, usage, and course usage
Configure syllabus
define course conversation triggers
create questions, messages, and conditions
extract syllabus from a web page
implement greetings, escalations, error messages, and statuses
call a Power Automate flow to run an action
Configure entities
create custom entities
implement entities in conversations
implement variables to store data
Integrate Power Apps with other apps and services (15-20%)
Integrate Power BI with Power Apps
create Power BI visualizations
create data flows and schedule data flow runs
filter data
build reports and dashboards
publish and share reports and dashboards
add Power BI tiles to model-driven apps and canvas app
add canvas apps to a Power BI dashboard
trigger Power Automate flows from Power BI alerts
Implement AI Builder
determine which AI Builder model type to use
create an AI Builder model
prepare source data for use by models
train, test, and publish a model
consume a model by using Power Apps
consume a model by using Power Automate
Integrate Power Apps with Microsoft 365
add apps to Microsoft Teams
create a Teams app from a Power Apps app
configure app policies
create a Teams channel by using Power Automate
configure and use Microsoft Word and Microsoft Excel templates
Implement Power Virtual Agents chatbots (10-15%)
Create chatbot
assign a chatbot to an environment
publish a chatbot
share a chatbot
add chatbots to Teams and other channels
monitor and diagnose bot performance, usage, and course usage
Configure syllabus
define course conversation triggers
create questions, messages, and conditions
extract syllabus from a web page
implement greetings, escalations, error messages, and statuses
call a Power Automate flow to run an action
Configure entities
create custom entities
implement entities in conversations
implement variables to store data
Integrate Power Apps with other apps and services (15-20%)
Integrate Power BI with Power Apps
create Power BI visualizations
create data flows and schedule data flow runs
filter data
build reports and dashboards
publish and share reports and dashboards
add Power BI tiles to model-driven apps and canvas apps
add canvas apps to a Power BI dashboard
trigger Power Automate flows from Power BI alerts
Implement AI Builder
determine which AI Builder model type to use
create an AI Builder model
prepare source data for use by models
train, test, and publish a model
consume a model by using Power Apps
consume a model by using Power Automate
Integrate Power Apps with Microsoft 365
add apps to Microsoft Teams
create a Teams app from a Power Apps app
create an app directly in Teams
configure app policies
create a Teams channel by using Power Automate
configure and use Microsoft Word and Microsoft Excel templates
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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