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 : PSE-Strata
Exam Name : Palo Alto Networks System Engineer Professional Strata
Vendor Name : Palo-Alto
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PSE-Strata test Format | PSE-Strata Course Contents | PSE-Strata Course Outline | PSE-Strata test Syllabus | PSE-Strata test Objectives

Title: Palo Alto Networks System Engineer Professional Strata (PSE-Strata)

Test Detail:
The Palo Alto Networks System Engineer Professional Strata (PSE-Strata) test validates the knowledge and skills required to design, configure, and troubleshoot Palo Alto Networks security solutions. This certification is designed for professionals who work as system engineers and are responsible for implementing and supporting Palo Alto Networks products.

Course Outline:
The Palo Alto Networks System Engineer Professional Strata course provides participants with comprehensive knowledge and practical skills in designing and implementing Palo Alto Networks security solutions. The following is a general outline of the key areas covered in the certification program:

1. Palo Alto Networks Platform Overview:
- Introduction to Palo Alto Networks security platforms and architecture
- Understanding the components and functionalities of Palo Alto Networks devices
- Overview of the Palo Alto Networks security operating system (PAN-OS)

2. Next-Generation Firewall (NGFW) Concepts and Configuration:
- Understanding the concept of NGFW and its benefits
- Configuring security policies, network address translation (NAT), and zones
- Implementing User-ID and App-ID for application control

3. Threat Prevention and Security Services:
- Configuring and managing antivirus, anti-spyware, and vulnerability protection
- Implementing URL filtering and file blocking
- Understanding and configuring WildFire for advanced threat analysis

4. Network Security Best Practices:
- Designing and implementing high availability and redundancy
- Configuring virtual systems (VSYS) for multi-tenancy
- Implementing SSL decryption and encryption

5. Secure Remote Access and VPN:
- Configuring GlobalProtect for secure remote access
- Implementing site-to-site VPN and clientless VPN
- Understanding and troubleshooting VPN connectivity issues

6. Panorama Management and Logging:
- Configuring and managing Panorama for centralized management
- Understanding log collection and analysis
- Implementing log forwarding and reporting

Exam Objectives:
The Palo Alto Networks System Engineer Professional Strata (PSE-Strata) test assesses candidates' understanding of Palo Alto Networks security solutions, architecture, and best practices. The test objectives include, but are not limited to:

1. Demonstrating knowledge of Palo Alto Networks platforms, components, and PAN-OS.
2. Configuring security policies and network services on Palo Alto Networks devices.
3. Implementing threat prevention and security services for comprehensive protection.
4. Applying network security best practices for high availability and scalability.
5. Configuring secure remote access and VPN solutions.
6. Managing and analyzing logs using Panorama.

The Palo Alto Networks System Engineer Professional Strata certification program typically includes instructor-led training and hands-on labs provided by Palo Alto Networks or authorized training partners. The syllabus provides a breakdown of the Topics covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:

- Introduction to Palo Alto Networks and PSE-Strata test overview
- Palo Alto Networks Platform Overview
- Next-Generation Firewall (NGFW) Concepts and Configuration
- Threat Prevention and Security Services
- Network Security Best Practices
- Secure Remote Access and VPN
- Panorama Management and Logging
- test Preparation and Practice Tests
- Final Palo Alto Networks System Engineer Professional Strata (PSE-Strata) Certification Exam

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Palo-Alto Networks Question Bank


Palo Alto Networks: Likely Guidance Cut Incoming

Hardware security concept. Digital shield firewall with central computer processor and futuristic circuit board


Palo Alto Networks (NASDAQ:PANW) is scheduled to report earnings for Q4 FY 2023 on Friday. 18th August. I am cautious going into earnings, as I believe the cybersecurity giant will likely announce results below expectations. The argument for a consensus miss is supported by a negative cross read from Fortinet's (FTNT) Q2 results, which highlighted challenging macro dynamics likely to weigh on enterprise customers' short-/mid-term cybersecurity spending.

PANW vs SP 500 YTD price performance

Seeking Alpha

Palo Alto's Q4 FY 2023 Preview PANW Q2 2023 revenue projections

Seeking Alpha

PANW Q2 2023 EPS projections

Seeking Alpha

Guidance Cut Incoming?

In addition to reporting Q4 results and providing fiscal year 2024 guidance, management will update medium-term financial targets through fiscal year 2026. With fiscal year 2024 being the final year in the company's prior medium-term outlook, CEO Nikesh Arora and other members of the executive team will provide a review of company strategy, including product roadmap, go-to-market, financial objectives and total addressable market to provide an updated view of Palo Alto Networks' market opportunity and investment thesis.

Microsoft: The Elephant In The Room Conclusion

Palo Alto Networks CEO Nikesh Arora: ‘Disrupt Ourselves,’ Transform The Industry

Security News Kyle Alspach July 31, 2023, 10:00 AM EDT

CRN’s No.1 Most Influential Executive, Palo Alto Networks’ Nikesh Arora, is transforming the company into a complete unified platform for modern cybersecurity.


Having finished interviewing for the CEO role at Palo Alto Networks, Nikesh Arora got word from the company’s board that he was, in fact, going to be offered the job.

Arora’s own interview process wasn’t done yet, though. While he knew the business side of his resume was stellar—he’d previously been the No. 4 executive at Google and was later the No. 2 executive at investment giant SoftBank—Arora was also self-aware about what he lacked for the top role at a major cybersecurity vendor.

Namely, any sort of background in cybersecurity.

And so before moving forward in the hiring process, Arora asked to talk with two more people: the company’s founder, Nir Zuk, and chief product officer, Lee Klarich.

In those conversations, Arora had two potentially uncomfortable agenda items to discuss. Not only would he need a lot of their help in getting him up to speed, but as soon as he was, he had no interest in maintaining the status quo at the company, which was then largely focused on firewalls.

“I said to them, ‘Listen, I’m coming in and I don’t understand a lot about security, so I’m going to rely on you, No. 1,’” Arora recalled during an interview with CRN in July. “‘And No. 2, I might have some disruptive, nonconventional ideas—so you should understand what you’re signing up for.’”

The response couldn’t have been more supportive: Both Zuk and Klarich “wholeheartedly embraced the idea that they were going to be disruptive and do something different,” Arora said. And over the ensuing five years, Palo Alto Networks has gone on to expand from a network security vendor into a platform covering most of today’s essential cybersecurity capabilities—from protection for cloud and applications, to secure remote access and zero trust, to AI-powered threat detection and security operations.

While looking to reinvent an entire industry and create a new paradigm in cybersecurity, Arora said embracing a “constant desire to disrupt ourselves” has been the key.

Arora’s success in transforming Palo Alto Networks into a comprehensive, unified platform for modern cybersecurity has earned him recognition as the No. 1 Most Influential Executive on CRN’s 2023 Top 100 Executives list.

From overhauling the company’s product portfolio to doubling down on partners—including a pledge to spend 70 percent of his time on go-to-market and the channel in coming years—Arora brings a curiosity and openness to new ideas paired with a tenacity to execute on the vision, according to those who know him.

“He gets super excited when he sees something that could help clients become more secure,” said Rex Thexton, a senior managing director at Accenture, No. 1 on the 2023 CRN Solution Provider 500, who has worked closely with Arora over the course of a five-year strategic partnership between the companies. “When he gets in a room, he lights it up,” he said.

Part of Arora’s openness to different ideas and directions clearly comes from the fact that he was something of an outsider comng into the CEO role at the company, said Lee Waskevich, vice president of security at Herndon, Va.-based ePlus Technology, No. 28 on the 2023 CRN Solution Provider 500.

“I think coming in, not having cut his teeth across the cyber space, has allowed him some freedom and flexibility to try new things that maybe others weren’t willing to do,” Waskevich said. “I think that’s paying off.”

Driven To Succeed

As Chicago-based Accenture and Palo Alto Networks have worked to ramp up their strategic partnership in latest years, Arora has brought a level of commitment to making the partnership successful that’s unusual for a high-powered executive, according to Accenture’s Thexton.

During quarterly meetings about the progress of the partnership, for instance, “there were times when either side was not meeting those goals and objectives” that everyone had agreed to, Thexton said.

After hearing others describe the barriers to meeting the goals, Arora “would break them down, and he would just say, ‘OK, they can do this to take care of that issue. They can solve this issue by doing this,’” Thexton recalled. “And he just systematically would break it down and push it through, where a lot of [CEOs] would just say, ‘Just do it.’”

As a core part of its growth strategy, Palo Alto Networks has been broadening its work with channel partners, which are involved in generating more than 95 percent of its revenue. For solution providers of all sizes, from the giants like Accenture down to MSSPs with a few dozen employees, the company has increasingly become a go-to security vendor, according to solution provider executives.

The partner opportunities are being driven in part by greater demand for a variety of services, both professional and managed. Such services, according to Arora, are crucial to help customers get the full benefit of technologies such as secure access service edge, a cloud-delivered architecture aimed at providing secure access for distributed workforces.

Likewise, when it comes to other newer areas such as cloud security and Security Operations Center automation, Palo Alto Networks partners are playing a pivotal role in enabling customer adoption, Arora said. “If you look at the first two quarters of this fiscal year for us, the proportion of business they do through some of the key partners who are building services capability has increased,” he said. “Whether it’s their traditional partners’ services teams or transformation teams or cloud adoption teams—or whether it’s MSSPs with network transformation skills, or systems integrators with cloud security skills or SOC transformation skills—you are seeing a clear trend toward more solution orientation [by partners] for the customers,” Arora said.

A central part of what Arora-led Palo Alto Networks has done differently from the rest of the industry is the focus on building out a true cybersecurity platform, solution provider executives said. Importantly, the company’s approach has emphasized being able to still offer security capabilities that are “best of breed” even while offering seamless integration between the tools, executives said. Arora and Palo Alto Networks set out on the platform journey at a time when many still thought buying best-of-breed point products, and stitching them together, was the only way to get optimal security outcomes.

“We had their fair share of naysayers early on,” Arora said. “Hopefully we’re on their way to proving them inaccurate.”

To assemble its platform, the Santa Clara, Calif.-based company spent years acquiring leading technologies—there have been 14 acquisitions under Arora to date—and then tightly integrating them together. The deals have largely proven successful and have totaled more than $3 billion, according to Shaul Eyal, managing director for equity research at investment bank TD Cowen.

“Nobody initially expected that he’s going to embark on that sizable acquisition phase,” Eyal said. “I think his ability to come in with an unbiased view of the market and then understand the benefits and challenges ahead, strategize and execute accordingly, and then bring everybody around him toward that same goal—that has all coalesced into the success we’ve seen in latest quarters.” The bottom line, he said, is that “we’re beginning to see Palo Alto [Networks] leading the pack.”

As customers look to reduce the number of security vendors they work with, Palo Alto Networks is “in the right place at the right time because of all the execution they’ve done over these years to put them in that pole position,” said Mark Jones, founder and CEO of Austin, Texas-based BlackLake Security, No. 282 on the 2023 CRN Solution Provider 500.

Arora has never been “chasing the ball,” Jones added. “He’s well ahead of it.”

Growth Opportunities

For Optiv, No. 24 on the 2023 CRN Solution Provider 500, Arora’s strong vision and “clear focus on platform” have helped to drive major growth opportunities with customers, said Alan Mayer, senior vice president of partners, alliances and ecosystems at the Denver-based company.

“The solutions that they can provide, and the platform and the breadth of the portfolio that Palo [Alto Networks] can provide—that all culminates in better outcomes to help their shared customers be successful,” Mayer said.

Looking ahead, Palo Alto Networks’ investment over the years into AI/ML capabilities is looking to pay off as well, with the arrival of generative AI creating huge interest from customers in using it to Boost security, solution provider executives said.

With Arora and Palo Alto Networks, “there has definitely been clarity that this is an area they’re investing in and prioritizing,” Mayer said. “Just like the other areas that they’ve focused on, they’ve demonstrated leadership capabilities [in AI].”

Palo Alto Networks expects to capitalize on the technology through utilizing generative AI in forthcoming security products, including tools to prevent threats that are, ironically, assisted by apps like OpenAI’s ChatGPT, Arora said.

Ultimately, with a market capitalization of nearly $74 billion as of this writing, Palo Alto Networks is easily the top-valued publicly traded cybersecurity vendor and getting closer to reaching Arora’s goal of becoming the first to reach a $100 billion valuation.

That doesn’t mean Arora thinks he has it all figured out, though. Far from it: Even five years in, “I still don’t know enough,” he said.

And as much as ever, when he doesn’t understand something, “I’m very open about not knowing it,” Arora said. He noted that his next two phone calls that day were going to be on technical aspects of security—“because I have a few questions.”

Kyle Alspach

Kyle Alspach is a Senior Editor at CRN focused on cybersecurity. His coverage spans news, analysis and deep dives on the cybersecurity industry, with a focus on fast-growing segments such as cloud security, application security and identity security.  He can be reached at kalspach@thechannelcompany.com.

Is Palo Alto Networks (PANW) Stock Fairly Valued?

The stock of Palo Alto Networks Inc (NASDAQ:PANW) has seen a daily loss of -2.15%, and a 3-month gain of 9.74%. With an Earnings Per Share (EPS) of 0.63, they aim to answer the question: Is the stock fairly valued? This valuation analysis will provide insights into the financial health and growth prospects of Palo Alto Networks.

About Palo Alto Networks

Palo Alto Networks is a California-based cybersecurity vendor offering product solutions in network security, cloud security, and security operations. With a global client base of over 85,000 customers, including more than three-fourths of the Global 2000, Palo Alto Networks has established a significant presence in the cybersecurity industry. As of August 17, 2023, the stock price stands at $209.37, with a market cap of $64 billion. The GF Value, their proprietary measure of the stock's intrinsic value, stands at $192.93, indicating that the stock is fairly valued.

Is Palo Alto Networks (PANW) Stock Fairly Valued?

Understanding the GF Value

The GF Value is a unique measure of a stock's intrinsic value, calculated based on historical trading multiples, a GuruFocus adjustment factor, and future business performance estimates. The GF Value Line provides an overview of the fair value at which the stock should ideally be traded. If the stock price is significantly above the GF Value Line, it is considered overvalued, and its future return is likely to be poor. Conversely, if it is significantly below the GF Value Line, its future return is expected to be higher.

At its current price of $209.37 per share and a market cap of $64 billion, Palo Alto Networks stock is estimated to be fairly valued. As a result, the long-term return of its stock is likely to be close to the rate of its business growth.

Is Palo Alto Networks (PANW) Stock Fairly Valued?

Link: These companies may deliver higher future returns at reduced risk.

Financial Strength of Palo Alto Networks

Investing in companies with low financial strength could result in permanent capital loss. Therefore, it's crucial to review a company's financial strength before deciding to buy shares. Looking at the cash-to-debt ratio and interest coverage can provide a good initial perspective on the company's financial strength. Palo Alto Networks has a cash-to-debt ratio of 1, which ranks worse than 66.69% of companies in the Software industry. Based on this, GuruFocus ranks Palo Alto Networks's financial strength as 6 out of 10, suggesting a fair balance sheet.

Story continues

Is Palo Alto Networks (PANW) Stock Fairly Valued?

Profitability and Growth of Palo Alto Networks

Investing in profitable companies carries less risk, especially in companies that have demonstrated consistent profitability over the long term. Typically, a company with high profit margins offers better performance potential than a company with low profit margins. Palo Alto Networks has been profitable 0 years over the past 10 years. During the past 12 months, the company had revenues of $6.50 billion and Earnings Per Share (EPS) of $0.63. Its operating margin of 2.3% is worse than 50.77% of companies in the Software industry. Overall, GuruFocus ranks Palo Alto Networks's profitability as poor.

Growth is probably the most important factor in the valuation of a company. GuruFocus research has found that growth is closely correlated with the long term performance of a company's stock. The faster a company is growing, the more likely it is to be creating value for shareholders, especially if the growth is profitable. The 3-year average annual revenue growth rate of Palo Alto Networks is 22.1%, which ranks better than 77.28% of companies in the Software industry. The 3-year average EBITDA growth rate is -17.4%, which ranks worse than 80.63% of companies in the Software industry.


Another method of determining the profitability of a company is to compare its return on invested capital to the weighted average cost of capital. Return on invested capital (ROIC) measures how well a company generates cash flow relative to the capital it has invested in its business. The weighted average cost of capital (WACC) is the rate that a company is expected to pay on average to all its security holders to finance its assets. When the ROIC is higher than the WACC, it implies the company is creating value for shareholders. For the past 12 months, Palo Alto Networks's return on invested capital is 0.83, and its cost of capital is 9.59.

Is Palo Alto Networks (PANW) Stock Fairly Valued?


In summary, the stock of Palo Alto Networks is estimated to be fairly valued. The company's financial condition is fair, and its profitability is poor. Its growth ranks worse than 80.63% of companies in the Software industry. To learn more about Palo Alto Networks stock, you can check out its 30-Year Financials here.

To find out the high-quality companies that may deliver above-average returns, please check out GuruFocus High Quality Low Capex Screener.

This article first appeared on GuruFocus.


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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