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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Nokia SDM-2002001040 : SDM Certification - CARE (SDM_2002001040) ACTUAL EXAM QUESTIONS

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Exam Number : SDM-2002001040
Exam Name : SDM Certification - CARE (SDM_2002001040)
Vendor Name : Nokia
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SDM-2002001040 test Format | SDM-2002001040 Course Contents | SDM-2002001040 Course Outline | SDM-2002001040 test Syllabus | SDM-2002001040 test Objectives

Exam Details for SDM-2002001040 SDM Certification - CARE (SDM_2002001040):

Number of Questions: The SDM-2002001040 test typically consists of multiple-choice questions. The exact number of questions may vary.

Time Limit: The test has a time limit of 3 hours (180 minutes).

Course Outline:
The SDM-2002001040 SDM Certification - CARE course focuses on equipping candidates with the knowledge and skills required to effectively manage and provide customer support in a service delivery management (SDM) role. The course outline covers the following key topics:

1. Introduction to Service Delivery Management (SDM):
- Overview of SDM and its role in customer support
- Understanding customer requirements and expectations
- Service level agreements (SLAs) and key performance indicators (KPIs)
- Incident management and problem resolution processes

2. Customer Relationship Management (CRM):
- Building and maintaining customer relationships
- Customer communication and engagement strategies
- Handling customer complaints and escalations
- Customer satisfaction measurement and improvement

3. Service Delivery Operations:
- Service desk operations and best practices
- Incident and request management processes
- Change management and release management
- Service continuity and disaster recovery planning

4. Service Quality and Performance Monitoring:
- Monitoring and measuring service performance
- Service reporting and metrics analysis
- Service improvement initiatives and techniques
- Service quality assurance and compliance

5. Team Management and Leadership:
- Managing service delivery teams
- Team development and motivation
- Effective communication and collaboration
- Leadership skills for SDM roles

Exam Objectives:
The SDM-2002001040 test aims to assess the following objectives:

1. Understanding of service delivery management principles and practices.
2. Proficiency in customer relationship management and customer support techniques.
3. Knowledge of service delivery operations, incident management, and problem resolution.
4. Competence in service quality monitoring, performance measurement, and improvement.
5. Familiarity with team management and leadership skills required in an SDM role.

Exam Syllabus:
The SDM-2002001040 test covers the following syllabus:

1. Introduction to Service Delivery Management (SDM)
- Overview of SDM and its role in customer support
- Understanding customer requirements and expectations
- Service level agreements (SLAs) and key performance indicators (KPIs)
- Incident management and problem resolution processes

2. Customer Relationship Management (CRM)
- Building and maintaining customer relationships
- Customer communication and engagement strategies
- Handling customer complaints and escalations
- Customer satisfaction measurement and improvement

3. Service Delivery Operations
- Service desk operations and best practices
- Incident and request management processes
- Change management and release management
- Service continuity and disaster recovery planning

4. Service Quality and Performance Monitoring
- Monitoring and measuring service performance
- Service reporting and metrics analysis
- Service improvement initiatives and techniques
- Service quality assurance and compliance

5. Team Management and Leadership
- Managing service delivery teams
- Team development and motivation
- Effective communication and collaboration
- Leadership skills for SDM roles

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Nokia Certification PDF Braindumps

Zoom AI training will now progress without using customer info

After a series of backlash from their customers, Zoom AI training is receiving a major refinement. Previously, the company had plans to access its users’ content for usage in training its AI feature. The video conferencing service provider announced this bizarre plan a few months ago.

This plan of the company will turn a lot of heads considering that it’s put to use across the world. Businesses in various industries and of varying sizes rely on Zoom for their online meetings. Due to privacy concerns, users had to kick against this plan, considering that it might mean giving up their privacy for the training of an AI feature.

Users found this creepy requirement on Zoom’s terms of service page. Before the change, the terms of service page gave the ‘assurance’ that Zoom will not access users’ content without their consent. Regardless of this assurance, the requirement to access users’ content still got a lot of backlash, leading to its change.

In an official statement, Zoom announced that it would be changing its terms of service. According to the company, it is making this update as a result of the backlash it has been getting from its users. The said terms of service got a major update on August 11 where the company reconsiders its take on how it intends to train its AI features.

Currently, the brand has two AI tools, namely Zoom IQ Meeting Summary and the Zoom IQ Chat Compose. These features are on the ground to help users experience during their meeting sessions. One offers automated meeting summaries while the other offers users AI-driven chat composition which is handy during meetings.

Considering the training of these two AI models, Zoom previously had plans to rely on users’ content. This plan sent chills down the spines of Zoom users in various parts of the world. This was a threat to their privacy during meetings as Zoom might make use of data gathered from these meetings to train its AI feature.

But the company has made the necessary changes to the previous terms of service. Now, the company assures users that it will not make use of its content to train any of its AI features. In the new terms of service, Zoom says that it “does not use any” of users’ content to train an AI model.

With this update, users can more freely make use of the AI features that Zoom offers. Also, the company has made updates to its in-product notices to reflect the terms of service updates. So, if you use Zoom for your online meetings, you can more freely make use of the tools available with peace of mind.

CFS Guidance & Training

Guidance for using the Clinical Frailty Scale has been published in Rockwood K, Theou O. Using the Clinical Frailty Scale in allocating scarce health care resources. Can Geriatr J. 2020;23:254-259.

We developed a classification tree to simplify use of the Clinical Frailty Scale for novice raters.

Partnering with Dr. Linda Dykes, they developed the "Top Tips to help you use the Clinical Frailty Scale" as a resource for new or novice users of the CFS (see download links below image):

CFS Top Tips - English Letter [PDF - 508 KB]CFS Top Tips - English A4 [PDF - 507 KB]

CFS Top Tips - Spanish Letter [PDF - 530 KB]CFS Top Tips - Spanish A4 [PDF -533 KB]

CFS Top Tips - Swedish Letter [PDF - 529 KB]CFS Top Tips - Swedish A4 [PDF - 529 KB]

CFS Top Tips - French Letter [PDF - 540 KB]CFS Top Tips - French A4 [PDF - 540 KB]

An Overview for CFS Training [PDF - 374 KB]

Using the Clinical Frailty Scale [PDF - 394 KB]

Using the CFS in Long-Term Care [PDF - 393 KB]

Clinical Frailty Scale App developed by the Acute Frailty Network in the UK

Clinical Frailty Scale (CFS) Training Module developed by the AIMS Research Group at the Ottawa Hospital

Clinical Frailty Scale Education Tool developed by the Non-Consultant Hospital Doctors of the Cork University Hospital

Podcast: "Using the Clinical Frailty Scale" [Apple Podcasts - 17 minutes]

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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