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 : SCS-C02
Exam Name : AWS Certified Security - Specialty
Vendor Name : Amazon
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Amazon Fire TV Stick owners warned over ‘suspicious downloads’ that can steal your data – and even your money

AMAZON Fire Stick owners have been informed of dangerous downloads that can put their information at risk.

Amazon released the Fire Stick in November of 2014 and since then it has only grown in popularity.

Amazon Fire Stick owners have been informed of dangerous downloads that can put their information at risk


Amazon Fire Stick owners have been informed of dangerous downloads that can put their information at riskCredit: Getty

The device is a media streaming gadget that converts your TV into a smart one.

But like all technologically-powered gadgets, the device is susceptible to hacking by threat actors.


One way cybercriminals target Amazon Fire Sticks is by developing malicious apps.

These apps will often contain malware that can pose a significant risk to your device and your personal information.

Most often, users come across such apps when they obtain and install software from unauthorized sources – this is known as sideloading.


Sideloading can pose a significant risk to your device and your personal information.

For example, unauthorized apps can be infected with viruses that can steal your personal information, corrupt your device, or even hijack your streaming services.

Malicious apps can also track your activity, collect your data, and even spy on you through your Fire Stick's camera and microphone.

In some instances, unauthorized apps can trick you into paying for subscriptions or services that don't exist.


The best way to avoid downloading malicious apps on your Fire Stick is to recognize illegal or unofficial apps.

For starters, only obtain official apps for Fire Stick from the Amazon App Store.

If you find an app that claims to Fire Stick services but is not found in the official store, it may be unauthorized.

It can also help to check the user reviews and ratings for the app if you're in doubt.

Noticing negative reviews for an app that mention issues like excessive ads or poor performance could be a red flag.

Another way to keep your device and data safe is to keep your Fire Stick up to date.

Amazon regularly releases software updates for the Fire Stick that include security patches and fixes. 

Read more on the Irish Sun

Make sure to install these updates as soon as they become available.

If you're ever unsure about an app, it's always best to err on the side of caution and avoid installing it.

Echo Show 8 (3rd generation, 2023 release) review: Amazon’s best smart display yet

The Amazon Echo Show range consists of the best smart speakers and the best smart displays you can buy. Since its original launch in 2017, the collection has significantly expanded, with its latest addition, the Echo Show 8 (3rd generation, 2023 release), being championed as the best Amazon Alexa smart display yet.

The third generation was announced at an Amazon product event in 2023, with promises that the new Echo Show 8 (3rd generation, 2023) would have an improved design and better audio and screen quality than before. I put the Echo Show 8 (3rd generation, 2023) to the test to see how it performs… here’s my full review and thoughts.

Echo Show 8 (3rd generation, 2023) review: Unboxing and set-up

The Echo Show 8 (3rd generation, 2023) arrived in a small cardboard box and simply came with the smart display, cable and a booklet on how to set it up. I always appreciate when a product arrives with minimal packaging and Amazon has taken this a step further by making its Echo Show 8 (3rd generation, 2023) more sustainable than before. The device is made with 29% recycled materials and 99% of the packaging is made from responsibly managed forests and recycled sources.

I was pleasantly surprised by how little the Echo Show 8 (3rd generation, 2023) needed to get started and found the entire set-up process incredibly easy. To get the Echo Show 8 (3rd generation, 2023) ready to use, I simply plugged it into an electrical outlet, connected it to my Wi-Fi and signed into my Amazon account. This is all detailed in the booklet and once you’ve done those steps, the Echo Show 8 (3rd generation, 2023) will take you through further set-up, like naming it, where it’s situated in your home and whereabouts you live.

Once set-up, the Echo Show 8 (3rd generation, 2023) will explain how it works and provide you examples and tutorials on how to use it. The entire process took about 10 minutes to do and was extremely easy and painless.

Amazon Echo Show 8 3rd gen review

Echo Show 8 (3rd generation, 2023) review: design and features

The Echo Show 8 (3rd generation, 2023) has a wide and clear 8-inch HD touchscreen. The display is crisp, attractive and is full of helpful icons, information and photos that make the device easier to use. At the top of the screen is a 13MP camera which can be covered when not in use by a built-in camera cover. A new feature of the Echo Show 8 (3rd generation, 2023) is its Adaptive Content which senses how close you are to the screen and gives you more useful and engaging content when you’re near it.

The Echo Show 8 (3rd generation, 2023) can be used in many different ways. Its camera and audio delivers high quality images and sound, so you can easily make video calls, listen to music and stream content using the Echo Show 8 (3rd generation, 2023). The speakers are situated at the back of the Echo Show 8 (3rd generation, 2023) and have a very rounded design to allow for clearer vocals, bass and audio. At the top of the Echo Show 8 (3rd generation, 2023) are two volume buttons which control the audio, plus a Mic/Camera off button when you don’t want to be heard.

Speaking of being heard, the Echo Show 8 (3rd generation, 2023) comes with Alexa. While you can use the touchscreen or buttons to search and adjust the display, Alexa voice control is easy to use and offers hands-free control to set timers, play songs, create shopping lists and organise your calendar. The Echo Show 8 (3rd generation, 2023) can also be used as a smart home hub, as you can pair and control compatible devices to the display with Zigbee, Matter and Thread. This puts all your security cameras, smart bulbs and other smart devices in one place for you to control and customise.

The Echo Show 8 (3rd generation, 2023) is available in two colourways: charcoal and glacier white colours.

Amazon Echo Show 8 3rd gen review

Echo Show 8 (3rd generation, 2023) review: changes from the 2021 version

There are a few major differences between the Echo Show 8 (3rd generation, 2023) and the Echo Show 8 (2nd gen, 2021 release). First, the latter doesn’t have the Adaptive Content feature which gives different types of information depending on how close or far you are from the screen.

The main difference between the two displays is the design and audio technology. The Echo Show 8 (3rd generation, 2023) has a rounder bump behind the screen which gives a more modern look but can also be hidden depending on where you put your display. The Echo Show 8 (3rd generation, 2023) features redesigned audio technology which supports spatial audio and provides a wider sound experience. The Echo Show 8 (3rd generation, 2023) also has tuning features that assess its surroundings and adjusts its sound depending on the room that it’s in.

Echo Show 8 (3rd generation, 2023) review: performance

The Echo Show 8 (3rd generation, 2023) is the first Amazon smart display I’ve owned and I’ve really enjoyed using it. It can be used in so many ways, as a speaker for music, for controlling your smart home, making shopping lists, looking up recipes, and much more.

I particularly enjoyed using the Alexa voice control for easier searching and questions, but I also liked scrolling on the display’s screen to find other answers and add smart devices to it. The buttons were also a welcome addition, as were the camera cover and mic off features. Security is so important when it comes to smart home devices and I didn’t want to feel like I was being listened to all the time, so I appreciate the security measures that were in place.

Amazon Echo Show 8 3rd gen review

As the audio technology has been redesigned, I tested this by playing lots of different music and asking Alexa questions from different parts of the room. Where I put the Echo Show 8 (3rd generation, 2023) is in my living room which is connected to my dining room and kitchen. I called to Alexa often from my kitchen and found it picked up my voice easily, submitted my request and called back to me at the same level of volume as my own voice. The Echo Show 8 (3rd generation, 2023) spatial audio was pretty impressive and I noticed how it adjusted its volume and screen depending on how close I was to it.

As with most Amazon devices, Alexa was the standout feature for me. The Echo Show 8 (3rd generation, 2023) is expected to get the new generative AI-driven version of Alexa in 2024 which improves Alexa to be more conversational and easier to talk to. But, I found Alexa on the Echo Show 8 (3rd generation, 2023) to be smooth and chatty, without feeling disjointed or awkward. Alexa rarely didn’t understand what I was asking and I didn’t need to overly explain what I wanted it to do.

Echo Show 8 (3rd generation, 2023) review: price

The Echo Show 8 (3rd generation, 2023) is £149.99 / $149.99, and is available to buy at Amazon. Compared to its predecessor (the second generation is £119.99) and other Amazon smart displays (the most expensive being the Echo Show 15 at £299.98), this price is fairly reasonable, particularly as it's a newer model.

Amazon regularly runs sales and generously discounts its Echo products so I expect the Echo Show 8 (3rd generation, 2023) to drop in price next year, during the Prime Day and Black Friday sales.

Amazon Echo Show 8 3rd gen

Echo Show 8 (3rd generation, 2023) review: verdict

The Echo Show 8 (3rd generation, 2023) is easily the best Amazon smart display on the market to date. Its improved audio is powerful and adaptive, its design is more refined and the 8-inch touchscreen is as responsive and attractive as before.

While it hasn’t had huge updates compared to its predecessor, the Echo Show 8 (3rd generation, 2023) is still an impressive smart display that lets you take more control over your daily life. I can’t imagine not having it in my house now and think it’ll be a welcome addition to many homes around the world.

Echo Show 8 (3rd generation, 2023) review: Alternatives to consider

If you’re not too fussy about audio and Adaptive Content, the Echo Show 8 (2nd generation, 2021 release) is a good alternative to consider. It’s the previous generation with much of the same features. The audio isn’t as good but it’s still an impressive smart speaker, display and hub, plus it’s cheaper.

For a similar product from another brand, the Google Nest Hub Max is a 5-star smart display and Google’s best model yet. It has a big, bright screen that recognises your face, strong audio and video quality, and has Google Assistant at your fingertips.


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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