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 : QAW1301
Exam Name : Business Objects Certified Professional Business Objects Web
Vendor Name : Business-Objects
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Editable Reality And Embracing The Future Of Digital Creation

Benevolent by nature, Kartik is a serial entrepreneur and a pro skydiver. He lives life king-size. Founder & MD of Smartt.Studio.

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As technology advances, so does the world of digital creation. In exact times, digital realities have gained traction among tech and everyday users alike. Virtual and augmented realities are changing the way they interact with digital content and the real world.

From my perspective, the future of digital creation is looking brighter than ever with the emergence of editable reality, a technology that allows for the manipulation of virtual objects in real time. This has become an integral part of my business, and they are spending substantial effort and resources to be able to make this accessible to their clients. However, its potential has broad applications that benefit other industries as well.

To better illustrate the potential of editable reality and how it can impact your own business, first understand how it fits in with existing virtual and augmented reality technologies.

What is virtual, augmented and editable reality?

Virtual reality, known as "VR," is a digital technology that simulates real or imaginary terrain and allows the user to interact with it as if it were real. It generally requires the use of a headset that covers the user's eyes and might also include detectors to track their movements.

Meanwhile, augmented reality, known as "AR," puts a computer-generated image over real-world objects. AR can often be viewed with the camera of a smartphone or tablet or with devoted spectacles.

Editable reality works in both of these spaces. It is not a platform in its own right but is a term used to describe the capability to manipulate and interact with virtual objects in real time. This capability allows users to modify and customize virtual objects in either virtual or augmented reality to suit their requirements in a way that was initially insolvable. With editable reality, users can fluently produce, edit and interact with digital objects as if they were real. It is able to do this by using a combination of advanced computer algorithms and detectors to track the movements of the user. This allows users to interact with digital objects using natural movements and gestures, making the experience feel more immersive and realistic.

What can AR and VR do?

Both VR and AR have unique advantages and can be used to enhance the user experience, as a tool for education and training, or as a way to provide more interactive entertainment. Examples of some of the ways it can do this include:

• Education: Doctors can practice surgeries in a virtual terrain, and history scholars can explore past events and places through VR and AR.

• Entertainment: Users can witness pictures, games and music in a more immersive way. AR can also produce interactive games similar to scavenger hunts and escape apartments.

• Training: VR and AR supply businesses the ability to train workers in disciplines such as aeronautics, service and construction without putting the employee or expensive equipment at risk. For illustration, aviators can exercise flying in simulated terrain, and construction workers can exercise structures without the threat of injury.

• Health: Digital realities have even been used to help patients overcome certain health conditions, such as anxiety and PTSD, by providing patients with a controlled environment where they can practice coping strategies.

What is the potential of editable reality?

I believe editable reality, specifically, has the potential to revise the world of digital creation in numerous ways, including:

• Improved design and prototyping: Editable reality can allow designers to produce, edit and test their designs in a virtual environment. This could help save time and money by reducing the need for physical prototypes.

• Enhanced training and education: This technology can be used to produce immersive training and educational materials. This allows users to exercise and learn in a safe and controlled environment.

• Further interactive entertainment: Editable reality can also be used to produce further immersive and interactive entertainment. This can include videotape games, virtual reality games and more.

• Better customer experiences: Use of editable reality with AR technology can also increase revenue by minimizing costly reverse logistics. For example, retail businesses like Chanel have used the technology to create apps that allow users to try on makeup, glasses, hats and even clothing.

What are the challenges of digital realities?

Despite the numerous benefits of digital realities, it is important to note there are challenges associated with their use. For example, this technology can be expensive, which makes it inaccessible to numerous users. Cybersecurity might also be a concern. As digital realities become more popular, the threat of cyberattacks targeting these technologies increases.

The Takeaway For Businesses

I believe digital realities are transforming the way they interact with digital content and the real world. While there are challenges associated with the use of digital realities, the benefits they can provide are immense. From my perspective, editable reality, in particular, is an innovative technology that could revise how people produce and interact with digital content. As technology continues to advance, I anticipate seeing further and further innovative operations in editable reality and uses for digital realities as a whole.

Forbes Business Council is the foremost growth and networking organization for business owners and leaders. Do I qualify?

Cincinnati News

Police set to object to Carlisle business's licence application

POLICE in Cumbria have objected to a licensing application for a Carlisle takeaway.

Councillors are set to meet on Tuesday (July 18) to make a decision after the objection was received.

Bosses at Pizza Italia, in Botchergate, have applied to Cumberland Council to transfer the premise licence.

However, Sgt Scott Adams, a police licensing officer on behalf of Cumbria police, has objected to the move.

According to the report, which has been given to councillors, the application was received at the beginning of last month.

Members of the council’s licensing sub-committee will be asked to consider the reasons given by Sgt Adams for his objection.

The report states that, due to the sensitive personal information contained in the notice, part of the meeting will be considered in private with members of the press and public excluded.

It has been recommended that members should determine the matter and either dismiss the objection, grant the application or allow the objection and reject it.

The report states: “It must be noted that clear reasons should be given for the decisions and an appeal may be made to the Magistrates’ Court against the decisions of the authority by the responsible authority, interested party or premises licence holder, within 21 days from the date of being notified.”

Committee members are due to meet in the city’s Civic Centre at 10.30am on Tuesday to consider the application.

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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