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.
Wo erhalte ich vollständige Informationen über Salesforce-OmniStudio-Developer?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Salesforce-OmniStudio-Developer: Salesforce Certified OmniStudio Developer Prüfung.
2023 Updated Actual Salesforce-OmniStudio-Developer questions as experienced in Test Center
Aktuelle Salesforce-OmniStudio-Developer Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Salesforce Salesforce-OmniStudio-Developer : Salesforce Certified OmniStudio Developer exam DumpsExam Dumps Organized by Lee |
Latest 2023 Updated Salesforce Salesforce Certified OmniStudio Developer Syllabus
Salesforce-OmniStudio-Developer exam braindumps / Braindumps contains genuine exam Questions
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
Salesforce-OmniStudio-Developer Test Center Questions : Download 100% Free Salesforce-OmniStudio-Developer exam braindumps (PDF and VCE)
Exam Number : Salesforce-OmniStudio-Developer
Exam Name : Salesforce Certified OmniStudio Developer
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions
PDF Questions and Salesforce-OmniStudio-Developer Questions and Answers with Practice Test
We make a great effort to provide you with genuine Salesforce Certified OmniStudio Developer exam questions and answers, along with clarifications. Each Salesforce-OmniStudio-Developer question and answer on killexams.com has been established by certified Salesforce professionals. They are highly qualified and certified people who have several years of professional experience with Salesforce exams. They check the Salesforce-OmniStudio-Developer Real exam Questions question according to the genuine Salesforce-OmniStudio-Developer test.
The internet is filled with various Free PDF suppliers, but a significant number of them are offering outdated Salesforce-OmniStudio-Developer exam dumps. It is crucial to find a trustworthy and reliable Salesforce-OmniStudio-Developer Latest Topics provider online. After conducting personal research, many individuals ultimately find themselves at killexams.com. However, it is essential to remember that the search should not end with wasting time and money. Start by downloading the 100% free Salesforce-OmniStudio-Developer exam dumps and evaluating the sample Salesforce-OmniStudio-Developer questions. Then, register and acquire the latest and accurate Salesforce-OmniStudio-Developer exam dumps that contains real exam questions and answers. Don't forget to get fantastic discount coupons, and also obtain Salesforce-OmniStudio-Developer VCE exam simulator for your preparation.
A significant number of people have passed the Salesforce-OmniStudio-Developer exam with the help of the PDF Free PDF. It is rare for someone to read and practice with their Salesforce-OmniStudio-Developer exam dumps and still get poor marks or fail in the real exam. Most individuals experience tremendous improvement in their knowledge and pass the Salesforce-OmniStudio-Developer exam at their first attempt. That is why they continue to study their Salesforce-OmniStudio-Developer Latest Topics, as it genuinely enhances their understanding. They can then work in real conditions in companies as professionals. They not only focus on passing the Salesforce-OmniStudio-Developer test with their questions and answers, but they genuinely Strengthen knowledge about Salesforce-OmniStudio-Developer objectives and topics. This is why people trust their Salesforce-OmniStudio-Developer exam dumps.
You can download Salesforce-OmniStudio-Developer exam dumps PDF on any device, such as an iPad, iPhone, PC, smart TV, or Android, to read and memorize the Salesforce-OmniStudio-Developer exam dumps. Spend as much time reading Salesforce-OmniStudio-Developer Dumps as possible. Especially, practicing with the VCE exam simulator will help you memorize the questions and answer them correctly. You need to recognize these questions in a real exam, and practicing well before the real Salesforce-OmniStudio-Developer exam will get you better marks.

Salesforce-OmniStudio-Developer exam Format | Salesforce-OmniStudio-Developer Course Contents | Salesforce-OmniStudio-Developer Course Outline | Salesforce-OmniStudio-Developer exam Syllabus | Salesforce-OmniStudio-Developer exam Objectives
Exam Specification: Salesforce Certified OmniStudio Developer
Exam Name: Salesforce Certified OmniStudio Developer
Exam Code: Salesforce-Certified-OmniStudio-Developer
Exam Duration: 90 minutes
Passing Score: 65%
Exam Format: Multiple-choice, multiple-select
Course Outline:
1. Introduction to OmniStudio
- Understanding the key concepts and features of OmniStudio
- Exploring the components and capabilities of OmniStudio
- Overview of low-code development with OmniStudio
2. Data Integration and Mapping
- Integrating data sources with OmniStudio
- Configuring data mapping and transformation using OmniStudio
- Implementing data synchronization and validation processes
3. User Interface Design and Experience
- Designing and customizing user interfaces in OmniStudio
- Creating responsive and intuitive user experiences
- Implementing dynamic forms and page layouts
4. Process Automation and Orchestration
- Automating business processes using OmniStudio
- Creating workflows and approvals in OmniStudio
- Implementing process orchestration and integration
5. Application Development with Flow and Lightning
- Building applications using Flow and Lightning in OmniStudio
- Leveraging declarative development features
- Creating custom actions and components
6. Testing and Debugging
- Testing and validating OmniStudio applications
- Debugging and troubleshooting issues in OmniStudio
- Implementing error handling and exception management
7. Deployment and Release Management
- Planning and executing application deployments in OmniStudio
- Managing version control and change management
- Implementing release management best practices
Exam Objectives:
1. Understand the key concepts and features of Salesforce OmniStudio.
2. Integrate data sources and configure data mapping using OmniStudio.
3. Design and customize user interfaces in OmniStudio.
4. Automate business processes and orchestration using OmniStudio.
5. Develop applications using Flow and Lightning in OmniStudio.
6. Test, debug, and troubleshoot OmniStudio applications.
7. Deploy and manage applications in OmniStudio.
Exam Syllabus:
1. Introduction to OmniStudio
- Key concepts and features of OmniStudio
- Components and capabilities of OmniStudio
- Low-code development with OmniStudio
2. Data Integration and Mapping
- Data source integration with OmniStudio
- Data mapping and transformation in OmniStudio
- Data synchronization and validation processes
3. User Interface Design and Experience
- User interface design in OmniStudio
- Customization of user experiences
- Dynamic forms and page layouts
4. Process Automation and Orchestration
- Business process automation in OmniStudio
- Workflows and approvals in OmniStudio
- Process orchestration and integration
5. Application Development with Flow and Lightning
- Application development using Flow and Lightning
- Declarative development features
- Custom actions and components
6. Testing and Debugging
- Testing and validation of OmniStudio applications
- Debugging and troubleshooting in OmniStudio
- Error handling and exception management
7. Deployment and Release Management
- Application deployment in OmniStudio
- Version control and change management
- Release management best practices
Killexams Review | Reputation | Testimonials | Feedback
Very easy to get certified in Salesforce-OmniStudio-Developer exam with these Questions and Answers.
The short answers provided by killexams.com made my preparation more convenient. I was able to complete 75 out of 80 questions well within the stipulated time and achieve a score of 80%. With their help, I hope to become a certified Salesforce-OmniStudio-Developer specialist soon. I acquired their Dumps guide just two weeks before the exam and it proved to be a valuable resource.
Where can i get help to put together and pass Salesforce-OmniStudio-Developer exam?
With only two weeks to prepare for my Salesforce-OmniStudio-Developer exam, I felt helpless due to my inadequate education. However, I stumbled upon the Dumps guide provided by killexams.com, which proved to be a lifesaver. The guide's rich and precise answers helped me understand the subjects quickly and efficiently.
Where will I obtain Dumps to study Salesforce-OmniStudio-Developer exam?
I was able to rank highly among my classmates after using killexams.com for exam assistance. The analyzing program on killexams.com helped me join the ranks of other exceptional students in my class. The dumps on killexams.com are unique and extremely useful for preparing for Salesforce-OmniStudio-Developer exams with Salesforce-OmniStudio-Developer dumps and Salesforce-OmniStudio-Developer books. I am glad to express my appreciation for killexams.com.
It is nice to have Salesforce-OmniStudio-Developer genuine test questions.
After failing the Salesforce-OmniStudio-Developer exam for the first time, I was at my wits' end and knew that I was on my own. However, after searching the internet for study materials, I discovered killexams.com, which had the most affordable prices. I took a chance and purchased the material, and it was the best decision I ever made. I passed the exam with a 98%, and almost every question on the genuine exam was covered in the sample questions provided by killexams.com.
Just try these dumps and success is yours.
Killexams.com is a dream come true! Their brain dump helped me pass the Salesforce-OmniStudio-Developer exam, and now I can apply for better jobs and choose a higher employer. This is something I couldn't even dream of a few years ago. Although the exam and certification are mainly focused on Salesforce-OmniStudio-Developer, I found that other employers are also interested in candidates who passed the Salesforce-OmniStudio-Developer exam. Killexams.com's Salesforce-OmniStudio-Developer practice exam bundle helped me answer most questions correctly. All subjects and regions were covered, so I didn't encounter any significant issues while taking the exam. Some Salesforce-OmniStudio-Developer product questions were tricky and a bit misleading, but Killexams.com helped me get them right.
Salesforce Developer braindumps
Top 10 Trusted Salesforce Consulting Companies In USA 2022 | Salesforce Developers in USANo result found, try new keyword!In the hope that they annihilate caste, they invoke memory to guide us through this. Salesforce is used in diverse business sectors to achieve successful performances with programming and automation ...Commvault announces Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage on Salesforce AppExchangeMetallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage is currently available on AppExchange. Commvault (NASDAQ: CVLT) today announced it has launched Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage on Salesforce AppExchange, providing customers with dedicated protection for their Salesforce cloud data, expanding on native capabilities to offer extended retention, data isolation, sandbox masking and seeding, rapid recovery tools and more. Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage offers broad-ranging coverage across Salesforce Sales Cloud, Financial Services Cloud, Service Cloud and Health Cloud to help safeguard data from deletion, corruption and ransomware attacks. Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage is currently available on AppExchange at https://appexchange.salesforce.com/appxListingDetail?listingId=a0N4V00000HDcS6UAL&tab=e Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited StorageWith a multi-layered security approach, Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage provides enterprise-grade protection, including robust security standards and built-in zero-trust access controls for production and sandbox environments. In addition, it features ease of management with a single pane of glass approach, enabling businesses to comprehensively protect their Salesforce data alongside their other critical workloads. “Availability on AppExchange leverages Salesforce’s central marketplace to create a fast and direct method for Salesforce developers and admins to access solutions that secure, protect and defend their environments in the face of cyber threats,” said Param Kumarasamy, Vice-President of Product Management, Commvault. “Our solution provides the critical tools that protect these environments, as well as a wide breadth of workloads, helping customers reduce downtime and rapidly recover from attack while leveraging advanced, hardened and proactive security controls.” “Salesforce plays a critical role in their day-to-day operations and the potential of losing that data was too high a risk for us. They needed a solution that went beyond the standard data management package to take us to the next level of protection,” said Jason Kehl, Senior Vice-President of Engineering & Data Science, Vectra. “This app was the answer. With a single platform design that makes it seamless to manage not only their Salesforce data, but all workloads across their infrastructure, as well as the highest level of security offered by any cloud-based data management solution, they can rest assured that their data is in good hands. The addition of Metallic on AppExchange means that Salesforce has thoroughly tested and approved the solution, providing another layer of confidence.” “Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage is a welcome addition to AppExchange, as it accelerates business transformation for customers by delivering hardened security, robust coverage and comprehensive control, all through a single, simplistic platform in a data protection as a service environment,” said David Lee, Vice-President of Product Management, AppExchange. “AppExchange is constantly evolving to connect customers with the right apps and experts for their business needs.” Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage enables customers to learn more about this solution, watch demo videos, download product-specific resources, read reviews, register for a free 30-day trial and more. Users can also request additional information on Metallic solutions. |
Obviously it is hard task to pick solid certification Dumps concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning exam braindumps update and validity. The vast majority of customers scam by resellers come to us for the exam braindumps and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com exam dumps, killexams PDF questions, killexams questions bank, killexams VCE exam simulator. Visit their specimen questions and test exam dumps, their exam simulator and you will realize that killexams.com is the best brain dumps site.
Which is the best dumps website?
Indeed, Killexams is completely legit together with fully trusted. There are several characteristics that makes killexams.com unique and legitimized. It provides up to par and completely valid exam braindumps formulated with real exams questions and answers. Price is small as compared to almost all the services online. The Dumps are current on regular basis having most latest brain dumps. Killexams account method and products delivery is rather fast. Computer file downloading is definitely unlimited and fast. Aid is avaiable via Livechat and Contact. These are the features that makes killexams.com a strong website that come with exam braindumps with real exams questions.
Is killexams.com test material dependable?
There are several Dumps provider in the market claiming that they provide genuine exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2023 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update exam Dumps with the same frequency as they are updated in Real Test. exam braindumps provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain question bank of valid Questions that is kept up-to-date by checking update on daily basis.
If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to download PDF exam Questions from killexams.com and get ready for genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Dumps will be provided in your download Account. You can download Premium exam braindumps files as many times as you want, There is no limit.
Killexams.com has provided VCE practice exam Software to Practice your exam by Taking Test Frequently. It asks the Real exam Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take genuine Test. Go register for Test in Test Center and Enjoy your Success.
QlikView-System-Administrator-Certification examcollection | 050-v71-CASECURID02 exam results | DP-300 practice exam | NCLEX-PN study guide | Salesforce-Consumer-Goods-Cloud exam questions | IIA-CIA-Part2 mock exam | MBLEX braindumps | DES-1241 free pdf download | IIBA-AAC practice exam | 4A0-C04 Latest courses | 020-222 cheat sheet pdf | NCSE-Level-1 exam tips | S90.09A practice exam | 630-005 free exam papers | ISEE assessment test sample | MS-600 boot camp | 101-500 exam questions | Google-ACE Dumps | S90.02A Dumps | Scrum-Master-Certified test questions |
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer PDF Dumps
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer PDF Dumps
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer study help
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer Questions and Answers
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam Braindumps
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam format
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam Questions
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer tricks
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer test
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer Latest Topics
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer genuine Questions
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer Study Guide
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer book
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam dumps
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer PDF Braindumps
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer PDF Dumps
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer education
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam Questions
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam Braindumps
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer syllabus
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer Questions and Answers
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer Questions and Answers
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer Free PDF
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam syllabus
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam Questions
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam Questions
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam format
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer real questions
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer boot camp
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer Free exam PDF
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer information search
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam dumps
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer information search
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer teaching
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer information source
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer answers
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer learn
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam success
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer braindumps
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer exam dumps
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer Real exam Questions
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer braindumps
Salesforce-OmniStudio-Developer - Salesforce Certified OmniStudio Developer real questions
Other Salesforce exam Dumps
Javascript-Developer-I Latest Questions | PDI free pdf | Salesforce-Certified-Marketing-Cloud-Consultant test example | PDX-101 braindumps | PDII PDF Dumps | Salesforce-Marketing-Cloud-Developer free pdf | ADM-201 test prep | Service-Cloud-Consultant cheat sheet pdf | Integration-Architecture-Designer cram | ADM-261 cbt | Pardot-Consultant brain dumps | CRT-251 practice test | CRT-450 test questions | Salesforce.Field-Service-Lightning-Consultant sample test questions | CHAD cheat sheet | ADM-211 exam prep | Salesforce-Certified-Business-Analyst exam Cram | CPQ-201 Latest Topics | Salesforce-Certified-CPQ-Specialist exam questions | Salesforce-OmniStudio-Developer braindumps |
Best exam braindumps You Ever Experienced
E20-065 cbt | CCE-CCC cram | AHIMA-CCS real questions | CJE Study Guide | 3V0-42.20 practice test | DES-4122 exam prep | S90.19A Question Bank | 156-315-80 test exam | 300-735 exam Cram | CTFL_Syll2018 practice questions | PulseSecure-PPS practice test | 4A0-C01 cheat sheets | H31-523 VCE | GCP-GC-ADM sample questions | HPE2-W07 mock questions | A00-240 brain dumps | MCPA-Level-1 past exams | Marketing-Cloud-Consultant test questions | 4H0-100 brain dumps | H12-721 exam Questions |
References :
Similar Websites :
Pass4sure Certification exam dumps
Pass4Sure exam Questions and Dumps
Salesforce-OmniStudio-Developer Reviews by Customers
Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.
100% Valid and Up to Date Salesforce-OmniStudio-Developer Exam Questions
We hereby announce with the collaboration of world's leader in Certification Exam Dumps and Real Exam Questions with Practice Tests that, we offer Real Exam Questions of thousands of Certification Exams Free PDF with up to date VCE exam simulator Software.
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