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 : Salesforce-Certified-Education-Cloud-Consultant
Exam Name : Salesforce Certified Education Cloud Consultant
Vendor Name : Salesforce
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Salesforce-Certified-Education-Cloud-Consultant exam Format | Salesforce-Certified-Education-Cloud-Consultant Course Contents | Salesforce-Certified-Education-Cloud-Consultant Course Outline | Salesforce-Certified-Education-Cloud-Consultant exam Syllabus | Salesforce-Certified-Education-Cloud-Consultant exam Objectives


Exam Specification: Salesforce Certified Education Cloud Consultant

Exam Name: Salesforce Certified Education Cloud Consultant
Exam Code: Not specified
Exam Duration: Not specified
Passing Score: Not specified
Exam Format: Multiple-choice, multiple-answer

Course Outline:

1. Introduction to Education Cloud
- Understanding the role of the Education Cloud Consultant
- Overview of the Education Cloud solution and its capabilities
- Exploring the unique requirements and challenges in the education industry

2. Education Cloud Implementation and Configuration
- Understanding the implementation process of Education Cloud
- Configuring Education Cloud objects, fields, and relationships
- Setting up data models to support student, faculty, and course management

3. Enrollment and Admissions Management
- Configuring admission processes and managing application data
- Setting up enrollment and registration processes for students
- Implementing waitlisting and managing enrollment limits

4. Student and Faculty Management
- Designing student profiles and managing student records
- Implementing faculty profiles and managing faculty information
- Enabling student and faculty communication and collaboration

5. Course Management and Scheduling
- Setting up course catalogs and managing course offerings
- Implementing course scheduling and registration processes
- Managing course resources and materials

6. Academic Monitoring and Progress Tracking
- Implementing academic programs and degree tracking
- Configuring academic milestones and progress tracking mechanisms
- Monitoring student academic performance and generating reports

7. Integration and Data Management
- Integrating Education Cloud with external systems and data sources
- Managing data migration and data integration processes
- Ensuring data security and privacy compliance

8. Reporting and Analytics
- Designing and creating custom reports and dashboards
- Analyzing student and academic data for insights and decision-making
- Implementing data visualization tools for stakeholders

Exam Objectives:

1. Understand the role and responsibilities of a Salesforce Education Cloud Consultant.
2. Configure and customize Education Cloud to meet specific education industry requirements.
3. Implement enrollment and admissions management processes.
4. Manage student and faculty information effectively.
5. Set up and manage course catalogs, scheduling, and resources.
6. Implement academic monitoring and progress tracking mechanisms.
7. Integrate Education Cloud with external systems and manage data migration.
8. Design and create reports and analytics to track student and academic performance.

Exam Syllabus:

Section 1: Introduction to Education Cloud (10%)
- Role and responsibilities of a Salesforce Education Cloud Consultant
- Overview of Education Cloud and its capabilities
- Understanding the unique requirements and challenges in the education industry

Section 2: Education Cloud Implementation and Configuration (15%)
- Implementation process for Education Cloud
- Configuration of Education Cloud objects, fields, and relationships
- Data modeling for student, faculty, and course management

Section 3: Enrollment and Admissions Management (15%)
- Configuration of admission processes and management of application data
- Enrollment and registration processes for students
- Waitlisting and managing enrollment limits

Section 4: Student and Faculty Management (15%)
- Designing student profiles and managing student records
- Implementation of faculty profiles and management of faculty information
- Enabling student and faculty communication and collaboration

Section 5: Course Management and Scheduling (15%)
- Setting up course catalogs and managing course offerings
- Course scheduling and registration processes
- Management of course resources and materials

Section 6: Academic Monitoring and Progress Tracking (15%)
- Implementation of academic programs and degree tracking
- Configuration of academic milestones and progress tracking mechanisms
- Monitoring student academic performance and generating reports

Section 7: Integration and Data Management (10%)
- Integration of Education Cloud with external systems and data sources
- Data migration and data integration processes
- Ensuring data security and privacy compliance

Section 8: Reporting and Analytics (15%)
- Designing and creating custom reports and dashboards
- Analysis of student and academic data for insights and decision-making
- Implementation of data visualization tools for stakeholders



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Best free PDF reader (2023)

The best free PDF reader apps are perfect for viewing documents, collaborating online, and making changes to your PDF files without any subscription charges or one-off fees. 

Using your browser is the easiest way to read a PDF online, but options are usually limited. To do more with your documents, both online and offline, it’s worth investing time in the best PDF editors, the best free PDF editors, or dedicated PDF reader software. 

PDF readers are the ideal solution for casual users looking for easy-to-use apps and platforms. Better still, the very best free PDF readers come equipped with plenty of tools for power-users. So, look out for features like free PDF to Word converters that put you in control of your documents. 

With plenty of options out there, it can be a challenge identifying which free PDF reader is best for you. To help you find the right tool for your work, we’ve tested out a range of options, exploring everything from performance with large files to cross-platform compatibility and the best cloud storage integration.  

Today's best PDF reader deals The best free PDF reader of 2023

(Image credit: Adobe)

Best free PDF reader overall

Specifications

Operating system: Windows, macOS

Reasons to buy +

Multi-platform support

+

Handles large PDFs with ease

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Tab view for multiple documents

Reasons to avoid -

Relatively large

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Regular 'upgrade to Pro' ads

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Some tools paywalled

Adobe Acrobat Reader DC is a free PDF reader software for Windows and Mac (with Android and iOS PDF reader apps available, too). And it's their top choice for best free PDF reader overall - although they found features one massive downside.

The top PDF viewer is designed with two purposes in mind: the first is to enable you to read and interact with PDF files (including adding annotations and even signing a document). 

The second is to convince you to upgrade to the paid version of the software (which, you’ve guessed it, has many more features, including the ability to create and edit PDF files).

If it wasn’t for the latter, Acrobat Reader would be a decent addition to your software library. It’s simple, easy to use, and comes with all the basic features you need to interact with PDF files. In their review, they reckoned that “Adobe Acrobat Reader DC is one of the best free PDF readers for anyone looking to view documents and manipulate them in some way.”

Sadly, the adware side of things is pretty much everywhere: you get ‘try now’ buttons, you’re offered to use powerful tools but later are asked to pony up some cash in order to actually use them, there’s even a ‘7-day trial’ button. If you can overlook this, it’s a great tool, but there are less obtrusive ones out there.

Read their full Adobe Acrobat Reader DC review

(Image credit: Foxit)

Best free PDF reader for wide platform support

Specifications

Operating system: Windows, macOS, Linux, Android, iOS, Citrix

Reasons to buy +

Allows you to create PDFs

+

Safe mode disables Javascript

+

Lightweight download

Reasons to avoid -

Some features require extensions

-

No OCR in free version

Foxit PDF Reader is more than just a free PDF reader – you can also create PDFs from scratch using this software. Integration with Microsoft Office allows you to easily turn documents you’re working on into PDFs. Or, you can scan a document or image and turn it into a PDF using Foxit Reader. The only thing that’s lacking in the free version is support for optical character recognition in scanned documents.

The software can be a little intimidating at first, but it’s relatively straightforward to navigate. That’s thanks to the fact that it uses the same ribbon-style menu as Microsoft Office. Tools for editing, signing, highlighting, and commenting are fairly easy to access. You can also merge or split PDFs by downloading free add-ons for the software. 

Another advantage to Foxit PDF Reader is that it offers security. There’s a Safe memorizing mode that allows you to automatically disable Javascript embedded in downloaded PDFs.

Note that with the software's latest update, Foxit seems to have removed its PDF virtual printer driver, meaning you can no longer use the software to create PDFs.

Read their full Foxit PDF Reader review

(Image credit: Investintech)

Best free PDF reader that's fast and lightweight

Specifications

Operating system: Windows, macOS, Linux

Reasons to buy +

Small get size 

+

Loads extremely quickly

+

Can convert file types

Reasons to avoid -

No editing 

-

Not many features overall

Slim PDF is the best free PDF reader if you’re looking for something incredibly lightweight. The software get is really small, so is the perfect choice if you’re limited by hard drive space. Plus, that means that it’s able to open and load your documents faster than most of its competitors.

In their review, they called it "a sleek, minimalist PDF reader that only takes up a couple of megabytes on your hard drive." The downside to this small size is that Slim PDF is pretty basic. You can search and rotate documents, but that’s about it. 

And you have to go in knowing that. Slim PDF feather-light when it comes to features. If you're looking for a PDF editor, you won't find it here. Nor will you find tools for signing, filling, commenting, or highlighting, let alone multiple memorizing modes. This application reads PDFs plain and simple, cut and dry. 

While there is a menu option to convert a PDF to a Word document, doing this requires another software download. On the other hand, if your needs are similarly simple, the free PDF reader might just be the solution for you.

As a result, Slim PDF is truly just a PDF reader. It does a good job at this, though, leaving out the toolbars that can distract you from what you’re reading. If you frequently need to print PDFs, Slim PDF is one of the fastest and most simple options available.

Read their full Slim PDF review

(Image credit: Nitro)

Best free PDF reader that's feature-rich and packed with tools

Specifications

Operating system: Windows, macOS

Reasons to buy +

Touchscreen mode 

+

Plenty of annotation tools

+

Simple ribbon-style menu

Reasons to avoid -

No document signing or filling

-

Lacks advanced features found in Nitro Pro

The Nitro PDF Reader is another powerful free PDF reader in the vein of Foxit Reader and Adobe Acrobat DC. What makes this tool different is that it has a touchscreen mode that’s perfect if you’re working on a tablet. Touchscreen mode is especially nice for memorizing e-books, since you can flick the pages rather than scroll or click on a button.

While you can’t fill and sign PDFs with Nitro Reader - this is, after all, a pared back version of Nitro's Pro PDF editor, with no OCR or the ability to insert, remove,  and reorder pages) - it remains an excellent tool that will make everyday document-wrangling much easier.

The software does a nice job of enabling collaboration. You can annotate documents with underlining and strikethroughs in addition to highlighting. Comments are also supported, and they appear like sticky notes that are easy to spot as you read through a document. Helpfully, the software also allows you to convert between PDF and other document formats.

The software has a ribbon-style menu that will be familiar to Microsoft Office users. The menu is pretty easy to navigate since there aren’t all that many options available in Nitro Reader. Overall, they found the app to be a remarkably powerful free PDF reader that's packed with handy features you'll use time after time, all presented in a clear, adaptable interface.

Read their full Nitro PDF Reader review

(Image credit: Tracker Software)

Perfect if you need a free PDF reader with built-in OCR

Specifications

Operating system: Windows

Reasons to buy +

Optical character recognition

+

Text editing

+

Splits and extracts pages

Reasons to avoid -

Free version watermarks documents

-

PC-only

Rather than just being a free PDF reader, PDF-XChange Editor is also a free PDF editing program for Windows. The interface is a little more complex than some others but gives you easy access to plenty of helpful features. 

For most users, the main reason to use PDF-XChange Editor is the fact that it comes with inbuilt Optical Character Recognition (OCR). This means that if your original PDF document is a photocopy, PDF-XChange will still recognize the text and allow you to edit it. Also, PDF-XChange Editor lets you reformat text, and even convert it into fonts that aren’t already loaded on your computer. You can use this platform to merge or split individual PDF files. 

It's not the perfect free PDF reader, however. There is one big, unignorable disadvantage to using the app: it'll stamp a 'Created with PDF X-Change Editor' watermark on any PDF file you export. That disappears once you sign up to the Pro version, but it's still an issue that's going to put some people off. 

During their tests, they ultimately felt that while nothing stood out as incredible, there was also nothing that stood out as frustrating or annoying either. Under the right circumstances, it's a great product that has the ability to be your one and only PDF editor without any compromise.

Read their full PDF-XChange Editor review

Interface

(Image credit: airSlate)

Best free PDF reader for viewing only

Specifications

Operating system: Web, Windows, Mac, iOS, Android

Reasons to buy +

Cross-platform with apps for online, on Windows, Mac, iOS, and Android

+

Customer support is responsive

+

Plenty of editing tools

+

No sign-up to read PDFs

Reasons to avoid -

Full toolkit  requires subscription

-

Advanced tools may prove steeper learning curve than most

pdfFiller serves up a very simple free PDF reader experience. If your needs are basic, it’s quick and easy to upload your document and read it via your browser, or through the Windows, Mac, Android, and iOS apps. Not only is the PDF viewing process free, you won’t even need to sign up to read files. 

However, the platform is actually a full PDF editor, with plenty of additional features for document creation and editing like fillable forms, data redaction tools, online collaboration, digital signatures, and PDF converters. After a thorough review process, they ultimately felt that the platform is “a very versatile PDF document management system” for both personal and business use. 

When it comes to a straight PDF viewer, pdfFiller’s free service feels hobbled by the inability to do anything beyond memorizing files. You can tweak documents, but they’ll remain locked on your dashboard and unavailable as a PDF file. To really get the most from the service - and, to be fair, it offers a fair amount - you’ll need to subscribe to one of three monthly/annual subscription plans. Enterprise licensing is available, too, for teams of ten or more. 

Read their full pdfFiller review 

The best free PDF readers: FAQs How to choose the best free PDF reader for you

Why you can trust TechRadar They spend hours testing every product or service they review, so you can be sure you’re buying the best. Find out more about how they test.

When deciding which PDF reader is best to get and use, first consider which parts of your PDF file you need to change. If you’re just trying to add information to a form digitally, you’ll only need a basic editor that supports text insertion.

However, if you need to change the content of a PDF substantially, you’ll require a more powerful PDF software program that can make modifications to text or images already stored in the file. In some cases, especially if you want to change almost all the content of your file, it may be better to use a fully functioning PDF Editor or even the best PDF to Word converter instead.

What is a PDF reader?

A PDF reader is a program used to open, view, and print PDF (Portable Document Format) files. First introduced in the 1990s, PDF files are an excellent way to distribute documents containing text, images, and various other media types.

Many modern browsers can read PDF files, but the best free PDF readers still have their place. These dedicated programs provide users more ways to interact with the file and offer greater control over how the document appears on the screen.

PDF files were designed to appear and function the same on any piece of hardware, so you'll find PDF readers for Android and other mobile devices too.

Do I need a PDF editor or a PDF reader?

Deciding between a PDF editor and a PDF reader comes down to how you'll use the software. PDF readers are primarily designed to view documents - although many include online collaboration tools like commenting, highlighting, and annotating content. Altering a PDF file is often limited to small edits and manipulation. A PDF editor lets you design and create documents from scratch and make large changes. They almost always include powerful tools for power-users, like built-in OCR software and digital signature tools. 

Are free PDF readers safe?

If you keep your computer secure and get PDF software from the official source, you should be well-protected. But, as with many free tools, there are always risks. We've outlined five common reasons why free PDF editors may not be right for your organization - and the issues can be similar with free PDF readers. We've also looked at the main differences between paid-for vs free PDF editors. 

Are the best free PDF readers worth it?

The best free PDF readers feature plenty of tools for viewing and sharing PDF files - however, they're often slightly more limited compared to paid-for counterparts. In many cases, they offer a taste of how the software works, with upgrades and subscriptions that add more tools. If you're only memorizing PDFs on your computer or mobile device, a browser will likely meet your needs. If you're frequently in and out of documents, making minor edits, and sharing files, a full PDF reader will likely suit you best. 

How they test the best free PDF readers

We test the best free PDF readers against the factors that users care about - from the interface and experience to performance and platform availability.

We also assess each tool against its use-case. Some want a lightweight reader, others need one packed with plenty of other PDF utilities for professional use - so they look at how well the free PDF readers deliver for their intended audience. 

We also ensure that free means free - no hidden charges. Any subscriptions, lifetime licenses, and upgrade fees must be clearly signposted. 

As part of their overall testing process, we've also reviewed and rated free and premium platform-specific PDF readers.

+ Best PDF readers for Windows+ Best PDF readers for Mac+ Best PDF readers for Android

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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