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 : QV_Developer_11
Exam Name : QlikView 11 Developer Certification Exam
Vendor Name : QlikView
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QV_Developer_11 exam Format | QV_Developer_11 Course Contents | QV_Developer_11 Course Outline | QV_Developer_11 exam Syllabus | QV_Developer_11 exam Objectives


Identify Requirements (23% of the exam)

Describe how the Qlik Sense capabilities can assist in analysis of data.

Determine which Qlik products and QSE features/methods are needed to meet business requirements.

Translate business needs into technical requirements.



Design Application (22% of the exam)

Organize the application layout to meet business needs.

Determine which visualizations meet business requirements.

Determine design elements needed for flexibility, ease of use, and maintenance.



Prepare and Load Data (25% of the exam)

Apply the steps to create the associative data model using the data manager.

Troubleshoot basic data modeling and data issues.



Develop Application (30% of the exam)

Configure dashboards and visualizations to illustrate business insights.

Apply steps to share business insights.



- Practical experience developing production-quality applications in Qlik Sense

- Experience creating dimensions, measures and objects for the master library

- Understands user experience and design best practices and has experience building visualizations.



- Practical experience developing multiple production-quality applications in Qlik Sense

- Ability to write Qlik Sense LOAD scripts and validate data

- Basic understanding of Extract-Transform-Load (ETL)

- Create and use connectors to various data sources

- Understand the QVD layer and architecture of the Qlik platform

- Ability to architect data to provide optimal performance

- Familiar with SQL and relational databases



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CBSE Class 11 Syllabus 2023-24: CBSE has made available the latest senior secondary curriculum for 2023–24. Class 11th is the first year in the senior secondary curriculum where students choose a stream from Arts/ Humanities, Commerce and Science. The CBSE curriculum of all the streams reflects the nation’s shared vision of education and equips the learners with knowledge encompassing local, national, and global requirements and expectations. Now, candidates entering class 11th in the new academic year can refer to the latest CBSE Class 11 syllabus to check their course structure, course contents, any addition or removal of syllabus from the curriculum, question paper design, typology of questions, project work details, and unit-wise weightage of marks.

Before diving right into the syllabus of the new academic year, let us see why and how the syllabus serves an important role in exam preparation:

Some Salient Features of the CBSE Secondary School Curriculum
  • CBSE Class 11 syllabus provides ample scope for holistic development of students.
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    Frustrated Kia Owner Dumps Sportage Back To The Dealer After 4th Theft Incident

    A Kia owner walked 4 hours back to his home, stating that he couldn't deal with people stealing his Sportage anymore

    November 30, 2023 at 06:20

    A Kia owner from Washington State was so fed up with his Sportage that he returned it to the dealership and walked back home. His frustration with the SUV stemmed from experiencing four different theft incidents over the past two years, all inspired by the infamous “Kia Boyz” social media trend.

    Behrouz Alimoradi claims he spent thousands of dollars on repairing his previous-gen Sportage, which has repeatedly fallen victim to theft and vandalism, mirroring issues faced by many other Kia and Hyundai vehicle owners. The most exact incident occurred last Monday when his Sportage was stolen once more. Although the SUV was recovered by the police, another individual subsequently smashed its windows while it was parked in Alimoradi’s driveway.

    Instead of investing more money in repairs, Alimoradi opted to drive the damaged vehicle to the dealership in Federal Way, Washington State, and left it there. His determination was so resolute that he chose to embark on a four-hour walk back to his home rather than drive his Kia.

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    More: Used Kia Sportage Owner Discovers It Was Stolen Twice

     Frustrated Kia Owner Dumps Sportage Back To The Dealer After 4th Theft Incident Behrouz Alimoradi’s Kia Sportage looks similar to the pictured example.

    Fox 13 spoke with the frustrated who expressed his exhaustion, stating, “I’m tired, you know. I swear I’m tired about this car. This situation is too bad. I don’t want it”. It remains unclear what will happen to the unwanted vehicle. The dealership declined to comment to the media, citing legal constraints on discussing the situation.

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     Frustrated Kia Owner Dumps Sportage Back To The Dealer After 4th Theft Incident Kia
     




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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