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.

Wo erhalte ich vollständige Informationen über PRINCE2-Practitioner?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PRINCE2-Practitioner: PRINCE2 Practitioner (7th Edition) Prüfung.

2024 Updated Actual PRINCE2-Practitioner questions as experienced in Test Center

Aktuelle PRINCE2-Practitioner Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

PRINCE2-Practitioner Dumps - PRINCE2 Practitioner (7th Edition) | https://www.easyfinanz.cc/

Prince2 PRINCE2-Practitioner : PRINCE2 Practitioner (7th Edition) exam Dumps

Exam Dumps Organized by Martin Hoax



Latest 2024 Updated Prince2 PRINCE2 Practitioner (7th Edition) Syllabus
PRINCE2-Practitioner cheat sheet / Braindumps contains real exam Questions

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




PRINCE2-Practitioner Test Center Questions : Download 100% Free PRINCE2-Practitioner cheat sheet (PDF and VCE)

Exam Number : PRINCE2-Practitioner
Exam Name : PRINCE2 Practitioner (7th Edition)
Vendor Name : Prince2
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Just study these PRINCE2-Practitioner PDF Download and Pass the test
By simply memorizing their PRINCE2 Practitioner (7th Edition) Exam Questions, your success in the PRINCE2-Practitioner test is guaranteed. You will pass the test with Good Score or get your money back. They have fully tested and Tested valid PRINCE2-Practitioner PDF Braindumps from real tests to have you prepared and pass the PRINCE2-Practitioner test on the first attempt. Simply download their VCE exam Simulator and practice. You will pass the PRINCE2-Practitioner test.

Killexams.com offers the most latest and valid PRINCE2-Practitioner exam dumps. Their dumps contain the latest Prince2 updated PRINCE2-Practitioner questions, and they constantly update them to ensure that they remain up-to-date. Most candidates fail their PRINCE2-Practitioner exam because the questions are regularly updated by Prince2. However, they at killexams.com have collected all PRINCE2-Practitioner Free exam PDF and created a braindumps that contains nearly all of them. With their braindumps, they certain that you will pass your PRINCE2-Practitioner exam with good marks.

At killexams.com, they provide PRINCE2-Practitioner cheat sheet that are both valid and up-to-date. They offer the latest PRINCE2-Practitioner cheat sheet that are regularly updated by Prince2. It is common for candidates to fail the PRINCE2-Practitioner exam because the questions are regularly updated by Prince2. To address this, they collect all PRINCE2-Practitioner Free exam PDF and create a braindumps that contains almost all of them. Their braindumps is so comprehensive that they certain a 100% pass rate for your PRINCE2-Practitioner exam with good marks.







PRINCE2-Practitioner exam Format | PRINCE2-Practitioner Course Contents | PRINCE2-Practitioner Course Outline | PRINCE2-Practitioner exam Syllabus | PRINCE2-Practitioner exam Objectives


PRINCE2 Practitioner certification is suitable for anyone managing projects. This could be as part of a formal project management function or a role which involves project management as part of day-to-day work. The Practitioner certification aims to confirm that you have sufficient knowledge and understanding to apply and tailor the method in a range of different project environments and scenarios.



Attaining your Practitioner qualification is only one part of becoming a successful and effective project manager. It is important to ensure that yous upplement this with real-life experience working on projects, in addition to investing in personal professional development and wider training.



The Practitioner is the second of the two PRINCE2 examinations you are required to pass to become a Registered PRINCE2 Practitioner.



This PRINCE2 examination is aiming to measure whether a candidate would be able to apply PRINCE2 to the running and managing of a project within an environment supporting PRINCE2. To this end they need to exhibit the competence required for the Foundation qualification, and show that they can apply and tune PRINCE2 to address the needs and problems of a specific project scenario, specifically, candidates must be able to:



Produce detailed explanations of all principles, themes and processes and worked examples of all PRINCE2 products as they might be applied to address the particular circumstances of a given project scenario

Show they understand the relationships between principles, themes and processes and PRINCE2 products and can apply this understanding

Demonstrate that they understand the reasons behind the principles, themes and processes of PRINCE2, and that they understand the principles underpinning these elements

Demonstrate their ability to tune PRINCE2 to different project circumstances.


Targetted Candidate

Project Managers

General Managers

Programme Managers

Team Managers and support staff

Staff who will have a defined role

Project Management Consultants.


Prerequisites

In order to sit the PRINCE2 Practitioner examination you must provide proof of having passed one of the following:


PRINCE2 Foundation

Project Management Professional (PMP)®

Certified Associate in Project Management (CAPM)®

IPMA Level A (Certified Projects Director)

IPMA Level B® (Certified Senior Project Manager)

IPMA Level C® (Certified Project Manager)

IPMA Level D® (Certified Project Management Associate)


Exam Format

150 minute exam duration

68 questions

38/68 required to pass = 55% pass mark



Killexams Review | Reputation | Testimonials | Feedback


Do you believe that I saw these PRINCE2-Practitioner questions in my real exam.
Killexams provided me with valid and reliable PRINCE2-Practitioner practice classes, which helped me prepare for the exam with confidence. I could test myself before the real exam, which made me feel well-prepared. Thanks to Killexams, I could score correctly in the PRINCE2-Practitioner exam.


PRINCE2-Practitioner exam prep were given to be this easy.
In my PRINCE2-Practitioner exam, I managed to answer all the questions in half the time. Thanks to killexams.com test guide, I will be able to use it for future tests as well. I want to inform you that with the help of your exam and honing gadgets, I passed my PRINCE2-Practitioner exam with good marks. I appreciate this website for being a great aid to me.


That turned into excellent! I got dumps updated PRINCE2-Practitioner exam.
I achieved my PRINCE2-Practitioner certification with the help of killexams.com braindump. Their materials are truly beneficial, and the exam simulator is fantastic as it completely simulates the PRINCE2-Practitioner exam. The exam itself was tricky, but I am happy that I used Killexams as their bundles cover everything one needs to pass the exam with no unpleasant surprises.


Take Advantage, Use PRINCE2-Practitioner dumps questions to ensure your success.
Clearing the PRINCE2-Practitioner exam seemed unrealistic to me at first because the exam factors were too excessive for me to recognize. But then, I discovered killexams.com and their Dumps material, which helped me understand everything from the top to the bottom of the provided dump. With the help of the exam simulator, I passed the exam successfully. I am grateful to killexams.com for their incredible service.


PRINCE2-Practitioner certification exam is pretty worrying without this study guide.
I am extremely satisfied with this bundle as I managed to score over 96% in the EC exam. Though I referred to the professional EC guide, I believe that killexams.com was my primary coaching resource. I memorized most of the Dumps and spent time recognizing the scenarios and tech/practice-centered parts of the exam. While purchasing the killexams.com package does not certain that you may pass your exam, I suppose that if you test their materials hard and prepare well, it certainly beats any other exam prep options available out there.


Prince2 Practitioner Question Bank

   




While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for cheat sheet update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam VCE simulator. Visit their example questions and test brain dumps, their exam simulator and you will realize that killexams.com is the best cheat sheet site.

Which is the best dumps website?
You bet, Killexams is fully legit as well as fully trustworthy. There are several attributes that makes killexams.com authentic and legitimate. It provides up-to-date and fully valid cheat sheet containing real exams questions and answers. Price is small as compared to a lot of the services on internet. The Dumps are up to date on usual basis by using most latest brain dumps. Killexams account setup and solution delivery is amazingly fast. File downloading is unlimited as well as fast. Support is avaiable via Livechat and Message. These are the characteristics that makes killexams.com a robust website that offer cheat sheet with real exams questions.



Is killexams.com test material dependable?
There are several Dumps provider in the market claiming that they provide real exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update exam Dumps with the same frequency as they are updated in Real Test. cheat sheet provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain question bank of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and Topics of new syllabus, They recommend to download PDF exam Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Dumps will be provided in your download Account. You can download Premium cheat sheet files as many times as you want, There is no limit.

Killexams.com has provided VCE VCE exam Software to Practice your exam by Taking Test Frequently. It asks the Real exam Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take real Test. Go register for Test in Test Center and Enjoy your Success.




300-715 practice exam | ASDEV01 dumps questions | NSE4_FGT-7.2 VCE exam | 200-710 trial questions | SPLK-1003 practice exam | 090-078 free practice exams | CTL-001 Dumps | MS-900 Real exam Questions | HD0-400 PDF Questions | 9L0-619 download | IFSEA-CFM exam Cram | DVA-C02 pdf download | ACE cram | ACSCE-5X english test questions | CFP braindumps | C90-06A free pdf | 1Y0-341 question bank | BAGUILD-CBA-LVL1-100 boot camp | MORF cbt | ACA-CCN Dumps |


PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Question Bank
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) guide
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Practice Questions
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) study help
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) PDF Download
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Practice Test
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) teaching
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Free exam PDF
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) braindumps
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) exam Questions
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) cheat sheet
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) answers
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) braindumps
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) PDF Download
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Free PDF
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) exam dumps
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) dumps
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Latest Topics
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) information hunger
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) study help
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) test
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) education
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) braindumps
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) test prep
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) dumps
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) learning
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) test prep
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) exam format
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) test
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) PDF Braindumps
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) book
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) book
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) syllabus
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) PDF Dumps
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Question Bank
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Practice Questions
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Test Prep
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Study Guide
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Questions and Answers
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) syllabus
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Latest Questions
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) exam dumps
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Question Bank
PRINCE2-Practitioner - PRINCE2 Practitioner (7th Edition) Latest Questions

Other Prince2 exam Dumps


PRINCE2-Re-Registration Free PDF | PRINCE2-Practitioner exam Braindumps | Prince2 study guide | Agile-Foundation study material |


Best cheat sheet You Ever Experienced


C-NPT real questions | 300-430 model question | AOCNP test questions | PSNCB-CPSN exam questions | IIBA-AAC practice questions | CBDH free pdf download | H13-511 exam papers | CAP training material | MAT assessment test sample | NCC real questions | PCCN boot camp | 4H0-200 cheat sheet pdf | 1T6-111 braindumps | NCEES-PE practice exam | 4A0-103 exam questions | D-DP-DS-23 dumps | PSAT dumps questions | 1D0-735 free prep | NSE7_SDW-7.0 PDF Braindumps | SC-300 cbt |





References :


https://killexams-posting.dropmark.com/817438/23277040
http://killexams-braindumps.blogspot.com/2020/06/daily-updated-pass4sure-prince2.html
https://killexams-posting.dropmark.com/817438/23668507
https://www.instapaper.com/read/1318719332
https://medium.com/@university.college.lhr/great-way-to-ace-prince2-practitioner-f72309aa774
https://youtu.be/sMCn5L3zTmU
https://sites.google.com/view/killexams-prince2-practitioner
http://feeds.feedburner.com/PeopleUsedTheseCyberarkDumpsToGet100Marks
https://files.fm/f/fsa9q2rgz



Similar Websites :
Pass4sure Certification exam dumps
Pass4Sure exam Questions and Dumps






Direct Download

PRINCE2-Practitioner Reviews by Customers

Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.

PRINCE2-Practitioner Reviews

100% Valid and Up to Date PRINCE2-Practitioner Exam Questions

We hereby announce with the collaboration of world's leader in Certification Exam Dumps and Real Exam Questions with Practice Tests that, we offer Real Exam Questions of thousands of Certification Exams Free PDF with up to date VCE exam simulator Software.

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