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 : Scrum-PSD-I
Exam Name : Professional Scrum Developer (PSD-I)
Vendor Name : Scrum
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Scrum-PSD-I test Format | Scrum-PSD-I Course Contents | Scrum-PSD-I Course Outline | Scrum-PSD-I test Syllabus | Scrum-PSD-I test Objectives
Exam Specification:
- test Name: Professional Scrum Developer I (PSD I)
- test Code: PSD I
- test Duration: 60 minutes
- test Format: Multiple-choice, multiple-answer questions
Course Outline:
1. Introduction to Professional Scrum Developer (PSD)
- Understanding the role of a Professional Scrum Developer in an Agile development team
- Overview of the Scrum framework and its benefits for software development
2. Agile Software Development Principles and Practices
- Exploring Agile software development principles and values
- Understanding the core practices of Agile development, such as incremental delivery, continuous integration, and test-driven development
3. Scrum Framework and Roles
- Deep dive into the Scrum framework, including its events, artifacts, and roles
- Understanding the responsibilities of the Scrum Master, Product Owner, and Development Team
4. Agile Planning and Estimation
- Techniques for agile planning and estimation, such as user story mapping, relative sizing, and sprint planning
- Understanding how to create and maintain a product backlog
5. Collaborative Development and Continuous Integration
- Promoting collaboration and communication within the development team
- Implementing continuous integration practices for faster feedback and higher quality
6. Test-Driven Development (TDD)
- Understanding the principles and benefits of TDD
- Practicing TDD to ensure reliable and maintainable code
7. Refactoring and Code Quality
- Techniques for refactoring code to Boost its design and maintainability
- Strategies for ensuring code quality through code reviews, automated testing, and code metrics
Exam Objectives:
1. Understand the principles and values of Agile software development.
2. Apply Scrum framework and practices in software development.
3. Collaborate effectively within a Scrum development team.
4. Use Agile planning and estimation techniques.
5. Implement continuous integration and delivery practices.
6. Apply test-driven development (TDD) principles and practices.
7. Maintain code quality through refactoring and code reviews.
Exam Syllabus:
The test syllabus covers the following syllabus (but is not limited to):
- Agile software development principles and values
- Scrum framework, events, artifacts, and roles
- Agile planning and estimation techniques
- Collaborative development and continuous integration practices
- Test-driven development (TDD) principles and practices
- Code refactoring and code quality practices
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Scrum Developer real questions
What Is A Scrum Master? Everything You Need To KnowEditorial Note: They earn a commission from partner links on Forbes Advisor. Commissions do not affect their editors' opinions or evaluations. A Scrum Master is a team leader responsible for ensuring the team implements Scrum in theory and practice. Scrum is one of the most popular forms of Agile, a project management methodology created for software development. The Scrum Master is responsible for serving as a leader for the Scrum team and larger organization, according to the Scrum Guide. Featured Partners Free version available Yes Starting price From $8 monthly per user Integrations Zoom, LinkedIn, Adobe, Salesforce and more Free version available Yes, for one user and two editors (for 30 days) Starting price $7 per user per month Integrations Google Drive, Slack, Tableau, Miro, Zapier and more Free version available Yes, for unlimited members Starting price From $5 monthly per user Integrations Slack, Microsoft Outlook, HubSpot, Salesforce, Timely, Google Drive and more Scrum Master ResponsibilitiesIn a Scrum practice, the team is composed of the Scrum Master, the product owner and the development team. The project owner is responsible for maximizing the end goal’s value, while the Scrum Master’s job is to ensure the team stays on track. Melissa Boggs, Certified Enterprise Coach and former Co-CEO of Scrum Alliance, spoke to Forbes Advisor and explained that the Scrum Master’s role is to “help the team understand the value of Scrum and how Scrum can best serve the team, for the team to serve the customer.” The Scrum Master focuses on the team’s continuous improvement by introducing and using Scrum principles and practices, Boggs added. Additionally, their responsibilities include making sure the Scrum events take place and are positive and productive. They also help ensure Scrum is implemented by the team in a productive way and lead the team to adopt Scrum. A Scrum Master can be either a dedicated position or a temporary role one of the team members takes on during a project. While some teams and organizations require a full-time Scrum Master, others who are further along and more mature in their Agile journey may elect someone on the team for the role, Boggs said. How the Scrum Master fits into the overall team “depends on the goals of the organization, the maturity of the teams and the capabilities of the Scrum Master,” she added. How To Be an Effective Scrum MasterAn effective Scrum Master will understand Scrum, the value of all its elements, their team and how to marry all of them in an emergent way, Boggs said. They will be effective leaders who understand the team’s needs and keep the team on track with their goals. This means a Scrum Master is continuously learning and creating opportunities for the team to develop their skills. “They are excellent communicators, coaches and creators,” Boggs said. A Scrum Master must be able to integrate both the long-term and short-term strategy while managing the team. “They are able to see the big picture, but they also help the team to decompose the big picture into smaller, incremental chunks of value,” she added. An effective Scrum Master also helps the team create feedback loops and connections with their customers. According to Boggs, curiosity and openness are two essential qualities for an exceptional Scrum Master. Effective leadership requires patience, focus and understanding that developing a high-performing team is a long-term game. “They are able to see the big picture, but they also help the team to decompose the big picture into smaller, incremental chunks of value,” she added. Tools and ResourcesThere are various certifying bodies in the Scrum space, but two of the most well-respected are Scrum Alliance and Scrum.org. Boggs recommends that certification seekers spend time evaluating the certification and business models of the organizations before choosing one to invest in. Some differentiators to look out for during research are the price, reputation and community. How To Become a Scrum MasterThere are a variety of backgrounds that could prepare someone for the role of a Scrum Master. “We see everyone from QA Managers to engineers to school teachers that make excellent Scrum Masters,” Boggs said. It is common to see former project managers working in a Scrum Master role, she added. Differences Between a Project Manager and a Scrum MasterWhile a project manager keeps track of different aspects of the team, the Scrum Master is focused specifically on the team and ensuring they are effective and achieve the project goals. “The Scrum Master is not focused on time, scope and budget, but rather building and supporting an environment where a team can iteratively and incrementally build products and Boost their system,” Boggs said. “The Scrum Master is accountable for ensuring that the team has everything they need to be effective and that any impediments are removed from their path. They do not control what, how or when the products or projects are completed; those responsibilities are differently distributed in the Scrum framework between the team and the product owner.” Scrum is often confused with a project management methodology in general. Instead, it is a “framework for developing and sustaining complex products,” according to the Scrum Guide. Scrum relies heavily on the idea of empirical process control and recognizes the complexity and uncertainty that is involved in product development. Related: What Is A Scrum Board? Frequently Asked Questions How does the Scrum Master fit into the overall team or organization?The specific way the Scrum Master integrates into the overall team is unique to each company. It is not uncommon for the Scrum Master to report to either the engineering organization or an Agile organization, according to Melissa Boggs, Certified Enterprise Coach and former Co-CEO of Scrum Alliance. Is a Scrum Master the same as a project manager?A project manager is different from a Scrum Master. While a project manager keeps track of different aspects of the team, including budget, resources and timelines, the Scrum Master is specifically focused on the team and ensuring it is effective and achieves the project goals. What skills are essential for a Scrum Master?An effective Scrum Master is knowledgeable and trained in Scrum. One way to gain the necessary skills is through certification. While there are many certifying bodies, the two most well-known and respected are Scrum Alliance and Scrum.org. Scrum Masters have a range of backgrounds and experiences, including software development, QA management or team leadership. What makes an effective Scrum Master?An effective Scrum Master will understand Scrum, the value of all its elements, their team and how to marry all of them in an emergent way, said Melissa Boggs, Certified Enterprise Coach and former Co-CEO of Scrum Alliance. A Scrum Master will be able to see the project’s big picture but can break it down into practical and shorter-term goals for the team. What scrum master certifications are available?There are several scrum master certifications that you can obtain. Some of the most common includeCertified ScrumMaster (CSM), Certified Scrum Product Owner (CSPO), Certified Scrum Professional (CSP) and Certified Scrum Developer (CSD), which are offered by the Scrum Alliance; Professional Scrum Master I (PSM I) and Professional Scrum Product Owner I (PSPO I), which are administered by Scrum.org; and SAFe Scrum Master (SSM), which is offered by Scaled Agile. There are also more advanced certifications that you can obtain, including Advanced Certified ScrumMaster (ACSM), Certified Scrum Professional ScrumMaster (CSP-SM), Advanced Certified Scrum Product Owner (ACSPO), Certified Scrum Professional Product Owner (CSP-PO), Professional Scrum Master II (PSM II), Professional Scrum Master III (PSM III), Professional Scrum Product Owner II (PSPO II), Professional Scrum Product Owner III (PSPO III), Advanced Certified Scrum Developer (ACSD) and Certified Scrum Professional (CSP). Apple Answers Two-Factor Authentication Questions Raised by DevelopersA week ago, Apple sent an email to developers announcing that it would require two-factor authentication for all developer accounts beginning February 27, 2019. The message linked to an Apple two-factor authentication support page that applies to all Apple IDs. The trouble was, the support page didn’t answer many of the developer-specific questions that were immediately raised. The concern I’ve heard voiced most often by developers is whether someone who uses one Apple ID to log into their developer account would be able to do so using an Apple device that is logged in using a different Apple ID. Today, Apple published a new support page answering this and many other questions. Specifically with respect to the two-Apple ID scenario, Apple’s FAQ-style support page says: Will I need a trusted device dedicated to my Apple Developer account if I enable two-factor authentication? No. You’ll need to use a trusted device to enable two-factor authentication for the first time. However, you can use the same trusted device for multiple Apple IDs that are enabled for two-factor authentication. Additionally, if you do not have access to your trusted device, you can get your verification code via SMS or phone call. When possible, you should use a trusted device to increase security and streamline the process. The document covers many other situations as well including: The support page concludes with a link to a contact form for Apple’s developer team to raise any other circumstances that prevent a developer from enabling two-factor authentication. Although it would have been better if this level of detail was published when Apple’s initial email went out to developers last week, the company has clearly heard the concerns raised by the developer community and has put together a thorough explanation that should address most situations. By answering the most common questions, Apple Developer Relations will hopefully be freed up to deal with any outlier issues that aren’t addressed in its support documentation. |
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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