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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10 CRM studies you need to read before you select your next CRM

In a crowded market, discerning what the best CRM software is to meet your needs is difficult. Reviews, statistics, and user feedback are all useful, of course, but sometimes studying evidence of how a brand has employed a CRM tool as part of a specific project is what is really needed to convince businesses that a particular piece of software is a good fit.

The need for a trustworthy CRM case study is made even more pressing given the sheer number of solutions on the market - many with their own strengths and weaknesses, as well as target audiences. For example, would a list of the best CRMs for startups be relevant for your company? Or would the best recruitment CRM be more suitable? There are also the best insurance CRMs, the best CRMs for real estate, the best sales CRM, and more to consider. 

One of the best ways of answering, “What is CRM software?” is to look at the tools already on the market and then, if you want to see how they have been employed effectively by brands in the past, examining some high-profile CRM case studies should be next on your agenda. Below, they outline 10 CRM studies that will demonstrate the full potential of this powerful solution and how it’s been used across a wide range of industries.

Uber

(Image credit: Shutterstock / Sundry Photography)

Today, Uber is known the world over for having disrupted mobility completely, garnering a valuation that dwarfs that of more established players in the automotive space - despite owning zero vehicle assets itself. However, despite its future-first ethos, Uber still depends on CRM software to ensure it is able to harness the huge quantities of data at its disposal. 

Uber uses Salesforce CRM software to extract data from individuals who engage with its brand on social media, ensuring that interactions are monitored, complaints are responded to, and all feedback can be put towards the creation of a better customer experience. By piecing all relevant data within a holistic dashboard, Uber can tailor offers, recommendations, and promotions based on previous customer interactions.

Uber has always understood that the real value lies in customer data - not simply providing a transportation service. That’s why it makes more sense to think of it as a technology company; not a taxi firm. With that in mind, finding a suitable CRM platform has long been critical to Uber’s success. This has allowed the company to monitor customer behavior and riding habits - even as it experiences rapid growth. 

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Airbnb

(Image credit: Airbnb)

Another of the great disruptors of the 21st-centrury economy, Airbnb couldn’t have achieved its huge success without relying on a suitable CRM solution. The scale of the Airbnb platform is mind-boggling. The platform boasts more than 100 million guests globally, has listings in 65,000 cities and 191 countries, and is used by an estimated one in every four leisure travellers. 

This scale means that Airbnb is privy to huge quantities of data and faces a seriously large number of queries every day. To manage this, Airbnb decided to make use of the Zendesk CRM, which offered the scalability, reliability, and uptime needed to facilitate growth as the number of hosts and guests using the platform continued to rise rapidly. 

Airbnb’s Global Customer Experience team uses Zendesk to provide real-time support to customers across multiple channels, with every contact recorded within Zendesk Support. Zebdesk also empowers Airbnb to gain a grip of customer data by providing a 360-degree view of each customer. This means support can be personalized and a better customer experience can be delivered.  

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British Airways

(Image credit: Pixabay)

The travel industry has bounced back remarkably well after being decimated by the pandemic. Brands have had to reconsider how their revenues are driven, however, with global airline capacity taking several years to return to pre-COVID levels. One of the ways that brands have attracted tourists back in the air is with value-add services like the British Airways Executive Club. 

Utilizing the Teradata CRM, the British Airways Executive Club is a loyalty scheme that allows individuals to earn points by purchasing flights, hotel stays, or car rentals through British Airways or its partners. Customers can also save their preferences so repeat bookings are smoother, ensuring a seamless customer experience. They also have the opportunity to work their way up the membership ranks, achieving blue, bronze, silver, gold, or Premier membership.

The British Airways Executive Club demonstrates how CRM solutions can be used to strengthen customer loyalty. The platform allows the airline to keep track of customer preferences so it can offer targeted deals based on their membership level and past bookings. 

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Wells Fargo

(Image credit: Wells Fargo)

One of the largest banks in the US, Wells Fargo manages sensitive information for approximately 70 million individuals. But even with its considerable scale, Wells Fargo must continue to uphold the highest standards of customer service - particularly given the competitive nature of its industry. As well as other established financial institutions, organizations like Wells Fargo have also seen their market share come under threat from new fintech start-ups.

In light of the increasingly competitive financial sector, Wells Fargo employs a CRM solution to ensure its many different departments run smoothly and customer communication is seamlessly enabled. This means empowering social media connectivity and collating customer contact across multiple channels. 

Wells Fargo has revealed that its use of a CRM has enabled it to greatly increase efficiency so greater focus can be placed on high-value work because certain manual tasks can be streamlined or even automated. This has led to the creation of more optimized platforms, allowing the bank to save time and energy and ensuring customers receive better service.

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Nokia

Nokia sign

(Image credit: Nokia)

Once the world’s number one smartphone manufacturer, Nokia’s brand still carries some considerable heft - even if the likes of Apple, Samsung, and Google have taken its smartphone crown. Nokia’s use of the Salesforce CRM has played a major role in ensuring that the company continues to generate significant revenues in a fast-changing market.

One of the major challenges facing Nokia before it began using the Salesforce CRM was how to manage the diversity and scale of its products and markets across different geographies and languages. Salesforce allows Nokia to more easily organize its data - no matter how spread out it is.

Salesforce allows Nokia to select and segment data into specific target groups for more effective lead generation. It has also led to the creation of the Nokia Intelligent Care Assistant, which integrates directly with the Salesforce Service Cloud. This collaboration provides a holistic subscriber view, which enables truly omnichannel customer service, including proactive support. Although Nokia’s brand may not carry the same weight as it once did, without the company’s employment of the Salesforce CRM, it may no longer be around at all.

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McDonald's

McDonalds delivery app

(Image credit: Shutterstock)

The fast-food giant McDonald’s has become one of the most recognizable brands in the world - but their success is down to more than just flipping burgers. McDonald’s has a long-running partnership with CRM platform Astute Solutions, which provides the restaurant chain with detailed insights on customer satisfaction levels and other forms of feedback. Providing a breakdown by region or individual restaurant, Astute enables McDonald’s to quickly identify potential customer issues so they can be remediated swiftly. 

With McDonald’s serving an estimated 60 million people every day, managing the huge amount of data at its disposal is key to providing a quality service. As such, the company’s CRM provides real-time access to customer information, integrates data from across a network consisting of thousands of restaurants, and provides accurate reports for managers.

Despite McDonald’s global standing, the fast-food space is a crowded one and the restaurant chain is always looking to open new sites and launch new products. In order to gain visibility into what customers want and how best to capture potential new customers, data is key. For an organization of McDonald’s size, managing this data has only been made possible through its use of a CRM. 

BMW

(Image credit: BMW )

The automotive space has undergone massive change in recent years and further evolution is predicted for the not-too-distant future. Even though BMW may have been around since the early 1900s, it knows that no firm is immune from disruption - even those that have existed for over a century. 

With most vehicles now incorporating an increasing number of software solutions, they represent an effective way for firms to harvest, collate, and analyze data. BMW uses a CRM to realize the benefits that can be unlocked through this data, by capturing data from multiple sources including - whether that includes dealerships, web pages, call centers, SMS, or through direct marketing.

In addition, CRM software has played an essential role in the company’s loyalty scheme, “The Owner’s Circle.” This lets BMW owners of old or new cars register their vehicles online and monitor their car’s financing and maintenance. All this helps to strengthen the post-purchase relationship between the vehicle owner and BMW, allowing them to check the status of their new car order, view the maintenance history of a used car, or get reminders about upcoming service milestones. It’s about maintaining engagement after a transaction has been completed.

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Unilever

(Image credit: Unilever)

One of the world’s largest producers of consumer goods, Unilever manufactures a host of items that are commonly purchased by households across the world, including Dove. Persil, Domestos, and many more. Given the sheer number of goods Unilever produces, it understandably handles a huge amount of customer data. Using SAP’s CRM, Unilever was able to Excellerate its call center capabilities and increase the productivity of its consumer-facing teams.

Unilever has also employed CRM tools to capture real-time information from customer surveys across and run targeted campaigns to capture customer data. The company’s use of the technology has allowed for faster response times to consumer queries and more efficient maintenance of customer databases.

Unilever represents a great example of how CRM tools can provide clarity and unity to a company that has grown far beyond its domestic market and offers products that spread across multiple categories and industries. The analytics functionality, in particular, allows Unilever to better understand consumer challenges allowing the company to apply its innovations and digitalization efforts to the launch of new products.

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Activision

(Image credit: Eric Thayer / Bloomberg / Getty Images )

Video game maker Activision is responsible for some of the most popular series in the world, including the likes of Call of Duty, Crash Bandicoot, Guitar Hero, and many others. But where Activision’s only real concern was ensuring sales figures were high enough, now the company’s aim is to build long-lasting customer relationships. For that, a CRM is key.

Making use of the Salesforce CRM, Activision was able to completely overhaul its customer service offering. Before employing the CRM, almost half of all customers experiencing an issue spoke to an Activision rep over the telephone, but today 82% use an online self-service portal, with 10% opting for social channels. This has had a major impact in terms of cost reduction and customer satisfaction levels.

Because of the way that the Salesforce CRM can scour social networks for relevant posts, Activision has been able to get much closer to the gaming community. As such, it has become easier to understand their likes, dislikes, needs, and issues. Challenges have been resolved faster and insights have been put towards the creation of the next blockbuster game

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Amazon

Prime Day Sverige 2022

(Image credit: Amazon)

Amazon may be one of the biggest companies in the world but it still requires third-party help in the form of a CRM solution. The e-commerce juggernaut not only provides an online retail site but also offers a popular cloud computing service in the form of Amazon Web Services, which has been using Salesforce CRM since 2006.

Elsewhere, Amazon has crafted its own bespoke CRM strategy to ensure it offers native integration with other Amazon software. The technology giant uses its CRM to share personalized offers and promotions with customers, collect data en masse and store it, and provide recommendations based on an individual’s purchase history. 

In the years since its founding, Amazon has seen plenty of companies come and go, but still, it remains top of the tree. Over the years, the company has understood that what sets it apart is not the products it offers, but the data that it has access to. And the best way of managing this is through a CRM.


Building Skills: Deep Dive Into Salesforce Admin And Developer Courses

(MENAFN- AsiaNet News) In the ever-evolving landscape of proactive technology, professionals often find themselves with a strong desire for significant growth. Salesforce administration is an area that presents an internal perspective on the responses of experienced individuals to activities and developments in a region where a particular activity or development is vital. Salesforce administrators and developers are in demand, especially those who possess professional salesforce skills, as businesses heavily rely on them. Given that salesforces are utilized to expand businesses and streamline operations, the visibility of salesforce administrators and developers is crucial for making informed decisions.

This article sheds light on the extensive view of salesforce courses worldwide, providing opportunities for those who aspire to gain substantial experience in this field.

Growing Demand for the Salesforce Experience

The process of stepping out into the details of the Salesforce course is crucial for Salesforce professionals to understand how the necessary requirements are generated. Salesforce, a cloud-based Customer Relationship Management (CRM) platform, stands out as the primary choice for organizations that operate on an individualized basis. Its powerful technological solutions facilitate businesses in managing customer engagement, making customer interactions smoother, and assisting in the protection of numerous organizations.

Businesses increasingly welcome Salesforce certified to enhance customer engagement, streamline processes, and greatly contribute to the security of various organizations. To familiarize and develop skills, students are encouraged to engage with Salesforce admins and developers. Recognizing the growing demand for Salesforce specialists, many Salesforce training and management programs are actively offering support. The knowledge of those who aspire to make it their own is further enriched, marking a vital aspect of future exploration.

1. Basics of Salesforce CourseA journey to becoming a Salesforce expert often begins with enrolling in a comprehensive Salesforce course. These courses are designed for both beginners and experienced professionals looking to upskill or transition into the Salesforce ecosystem. A Salesforce course typically covers key aspects such as:

Introduction to Salesforce: Understand the basics of the Salesforce platform, its architecture, and the role it plays in modern businesses. Salesforce Admin Training: Learn the ins and outs of Salesforce administration, including user management, security settings, and data management. Salesforce Developer Training: Dives into the world of Apex programming language, Visualforce Pages, and Lightning Components to build custom applications.

2. Importance of Salesforce Training

When it comes to Salesforce training, location can play an important role. Known as the Silicon Valley of India, Bangalore is a hub for IT professionals looking to hone their skills. With Salesforce training in Bangalore gaining importance, the city is home to various reputed training institutes. A great provider is CRS Info Solutions, a leading firm that offers the best Salesforce courses.

Salesforce Admin Courses: Navigate the Platform with Finesse

Salesforce administrators play an important role in ensuring the smooth functioning of the platform in an organization. Admin courses are designed to provide individuals with the skills needed to efficiently configure and manage Salesforce.

Key Features of Salesforce Admin Courses:

User Management: Learn to create and manage user profiles, customize dashboards, and control access to data. Workflow Automation: Learn how to automate business processes using workflows, reducing manual effort and increasing efficiency. Data Management: Expertise in importing, exporting, cleaning data and ensuring data integrity in the Salesforce environment. Security Implementation : Expertise in implementing security measures, including role hierarchies, sharing rules, and field-level security. Reports and Dashboards: Gain skills to create insightful reports and dashboards that provide actionable insights to decision makers. Introduction to Apex: Gain a fundamental understanding of Apex, Salesforce's programming language, to customize and extend the platform.

Completing a Salesforce admin course not only equips you with technical knowledge, but also gives you a comprehensive view of how Salesforce works in an organizational context.

Salesforce Developer Courses: Build Solutions with Code

For those who lean towards the technical side of Salesforce, to provide the skills needed to create custom applications and functionality on the platform

Key Features of Salesforce Developer Courses:

Apex Programming: Dive into the intricacies of Apex Programming, Salesforce's proprietary language, to create custom logic and business processes. Visualforce Pages: Learn to develop custom user interfaces with Visualforce, allowing the creation of unique and tailored experiences. Lightning Components: Learn how to build Lightning Components, promoting the development of dynamic and responsive applications. Integration Techniques: Gain insights into integrating Salesforce with other applications and systems, enabling seamless data flow. Testing and Debugging: Master the art of testing and debugging your code to ensure the reliability and performance of your Salesforce applications. Source Control and Deployment: Explore best practices for version control and deployment, critical to managing change in a collaborative environment.

Choosing the Right Salesforce Course

With so many Salesforce courses available, choosing the right one can be overwhelming. Here are some factors to consider when making this critical decision:

Course Content: Depending on your career goals, ensure that the course covers all essential courses relevant to administration or development. Hands-on experience: Look for courses that provide practical exercises and real-world projects. Hands-on experience is invaluable for gaining confidence and mastering Salesforce skills. Instructor Expertise: Check the qualifications and experience of the instructors. The best courses are often taught by industry experts who have a deep understanding of Salesforce. Certification Preparation: If certification is your goal, choose courses that include test preparation material. Salesforce certifications are widely recognized in the industry and can Excellerate your career prospects.

Choosing a trusted partner in Salesforce training

For those looking for the best Salesforce training in Bangalore, CRS Info Solutions stands out as a reputable organization with a track record of producing expert and certified Salesforce professionals. Their courses are designed to meet the diverse needs of individuals, whether they are beginners or seasoned professionals seeking higher skills.

In conclusion, investing in a Salesforce course is a smart move for anyone aiming to excel in the fast-growing CRM field. Whether you choose a Salesforce Admin course to manage and configure the platform or a Salesforce Developer course to create custom applications, the right training is the key to unlocking your full potential. As you begin this learning journey, remember that CRS Info Solutions offers a path to success by providing comprehensive Salesforce training and beyond. Mastering Salesforce is not just a career choice; It is a commitment to stay at the forefront of technological innovation in the business world.

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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