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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ServiceNow Servicenow-CIS-SAM : Certified Implementation Specialist - Software Asset Management exam Dumps

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Exam Number : Servicenow-CIS-SAM
Exam Name : Certified Implementation Specialist - Software Asset Management
Vendor Name : ServiceNow
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We aim to provide a clear understanding of all Servicenow-CIS-SAM course outlines, syllabus, and objectives for the ServiceNow Servicenow-CIS-SAM exam. Simply studying the Servicenow-CIS-SAM course guide is not enough. You need to familiarize yourself with difficult scenarios and questions asked in an genuine Servicenow-CIS-SAM exam. To do this, you can visit killexams.com and get free Servicenow-CIS-SAM PDF trial questions to read. They ensure that once you are satisfied with the Certified Implementation Specialist - Software Asset Management questions, you can sign up and get the complete version of Servicenow-CIS-SAM Dumps at attractive discounts. This will be your first step towards success in the Certified Implementation Specialist - Software Asset Management exam. Install and get Servicenow-CIS-SAM VCE test simulator on your computer. Memorize Servicenow-CIS-SAM Dumps and take practice tests regularly with VCE test simulator. When you feel ready for the genuine Servicenow-CIS-SAM exam, go to the Test Center and register for the real test.

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Servicenow-CIS-SAM exam Format | Servicenow-CIS-SAM Course Contents | Servicenow-CIS-SAM Course Outline | Servicenow-CIS-SAM exam Syllabus | Servicenow-CIS-SAM exam Objectives

The ServiceNow Certified Implementation Specialist – Software Asset Management
Professional (SAM) exam Specification defines the purpose, audience, testing options,
exam content coverage, test framework, and prerequisites to become a ServiceNow
SAM Implementation Specialist.

Exam Purpose

The ServiceNow Certified Implementation Specialist – Software Asset Management
(SAM) Professional exam certifies that a successful candidate has the skills and essential
knowledge to contribute to the configuration, implementation, and maintenance of
the ServiceNow SAM Professional application.

Exam content is divided into Learning Domains that correspond to key syllabus and
activities typically encountered during ServiceNow implementations. In each Learning
Domain, specific learning objectives have been identified and are tested in the exam.
The following table shows the learning domains, weightings, and sub-skills measured by
this exam and the percentage of questions represented in each domain. The listed subskills should NOT be considered an all-inclusive list of exam content.

Learning Domain % of Exam

1 Software Asset Core Overview & Fundamentals

• Software Asset Management Basics

• Process Architecture

• Application Introduction and Recommended

Practices

14%

2 Data Integrity – Attributes and Sources for the Data

• Importing Data

• Software Discovery and Normalization

• Content Service

28%

3 Practical Management of Software Compliance

• Products and Models

• License Metrics, Entitlements, and Allocations

• Software Reconciliation

30%

4 Operational Integration of Software Processes

• Contract and Change Management

• Service Catalog and Procurement

• Software Remediation

13%

5 Extending SAM

• Software Model Lifecycle and Retirement

• Software Installation Optimization

• Reporting, Implementation, and Maintenance

15%

Total 100%

Exam Structure

The exam consists of 60 questions. For each question on the examination, there are
multiple possible responses. The person taking the exam reviews the response options
and selects the most correct answer to the question.

Multiple Choice (single answer)

For each multiple-choice question on the exam, there are at least four possible
responses. The candidate taking the exam reviews the response options and selects the
one response that most accurately answers the question.

Multiple Select (select all that apply)

For each multiple-select question on the exam, there are at least four possible
responses. The question will state how many responses should be selected. The
candidate taking the exam reviews the response options and selects ALL responses that
accurately answer the question. Multiple-select questions have two or more correct
responses.

Exam Results

After completing and submitting the exam, a pass or fail result is immediately
calculated and displayed to the candidate. More detailed results are not provided to
the candidate.

Exam Retakes

If a candidate fails to pass an exam, they may register to take the exam again up to
three more times for a cost of $100.

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ServiceNow Management study tips

ServiceNow Unusual Options Activity For August 11

A whale with a lot of money to spend has taken a noticeably bearish stance on ServiceNow.

Looking at options history for ServiceNow NOW they detected 12 strange trades.

If they consider the specifics of each trade, it is accurate to state that 41% of the investors opened trades with bullish expectations and 58% with bearish.

From the overall spotted trades, 9 are puts, for a total amount of $558,116 and 3, calls, for a total amount of $171,909.

What's The Price Target?

Taking into account the Volume and Open Interest on these contracts, it appears that whales have been targeting a price range from $380.0 to $800.0 for ServiceNow over the last 3 months.

Volume & Open Interest Development

Looking at the volume and open interest is an insightful way to conduct due diligence on a stock.

This data can help you track the liquidity and interest for ServiceNow's options for a given strike price.

Below, they can observe the evolution of the volume and open interest of calls and puts, respectively, for all of ServiceNow's whale activity within a strike price range from $380.0 to $800.0 in the last 30 days.

ServiceNow Option Volume And Open Interest Over Last 30 Days Biggest Options Spotted: Symbol PUT/CALL Trade Type Sentiment Exp. Date Strike Price Total Trade Price Open Interest Volume NOW PUT TRADE NEUTRAL 09/15/23 $530.00 $300.0K 1.3K 300 NOW CALL TRADE NEUTRAL 01/17/25 $570.00 $108.5K 44 10 NOW PUT SWEEP NEUTRAL 01/17/25 $380.00 $45.6K 66 22 NOW PUT SWEEP BULLISH 02/16/24 $410.00 $43.1K 2 50 NOW CALL SWEEP NEUTRAL 01/17/25 $800.00 $37.0K 24 11 Symbol PUT/CALL Trade Type Sentiment Exp. Date Strike Price Total Trade Price Open Interest Volume NOW PUT TRADE NEUTRAL 09/15/23 $530.00 $300.0K 1.3K 300 NOW CALL TRADE NEUTRAL 01/17/25 $570.00 $108.5K 44 10 NOW PUT SWEEP NEUTRAL 01/17/25 $380.00 $45.6K 66 22 NOW PUT SWEEP BULLISH 02/16/24 $410.00 $43.1K 2 50 NOW CALL SWEEP NEUTRAL 01/17/25 $800.00 $37.0K 24 11 Where Is ServiceNow Standing Right Now?

With a volume of 210,138, the price of NOW is up 0.15% at $555.85.

RSI indicators hint that the underlying stock is currently neutral between overbought and oversold.

Next earnings are expected to be released in 75 days.

What The Experts Say On ServiceNow:

JP Morgan has decided to maintain their Overweight rating on ServiceNow, which currently sits at a price target of $620.

Barclays has decided to maintain their Overweight rating on ServiceNow, which currently sits at a price target of $644.

Oppenheimer has decided to maintain their Outperform rating on ServiceNow, which currently sits at a price target of $640.

Baird has decided to maintain their Outperform rating on ServiceNow, which currently sits at a price target of $640.

Guggenheim downgraded its action to Buy with a price target of $657

Options are a riskier asset compared to just trading the stock, but they have higher profit potential. Serious options traders manage this risk by educating themselves daily, scaling in and out of trades, following more than one indicator, and following the markets closely.

If you want to stay updated on the latest options trades for ServiceNow, Benzinga Pro gives you real-time options trades alerts.

Study Tool Kit

Time Management Resources

Time management and organization skills are the hallmarks of academic success. The use of proven strategies such as planners and calendars, weekly schedules, and to-do lists helps students to manage academic responsibilities, build persistence, curb procrastination and ease stress.

* Adjust printer settings and paper to accommodate oversized versions of the term grid.

Study Skills

Academic Coaching

Drop-in for one-on-one coaching in the Bates Study Center in Gosnell Hall or the Sol Study Center on the first floor of Sol Heumann Hall. Find support with time management, organization, project management, test preparation, and or general study strategies. Walk away with some practical tools and strategies as well as a greater awareness of helpful resources on campus.Learn more

Instructor-led Academic Coaching

Meet weekly, one-on-one, with an instructor to work toward your academic goals in an independent study-like format. Designed for first- and second-year students transitioning to college learning, this fee-based program supports your growth in the areas of time management, organization, learning strategies, goal setting, the study process, and self-advocacy.Learn more

Success Courses

Support your learning by improving your study strategies, habits, and awareness. These zero-credit courses allow you to practice and develop your time management skills, study skills, and academic organization all with the support and feedback of an instructor.Learn more

Tutoring

Tutors are available for math and physics help at Bates and Sol Study Centers or online.Tutoring schedule

Math Assessment

Meet one-on-one with one of their staff content experts and complete a diagnostic exam. The results are used to determine your strengths and weaknesses so they can help develop a course of action. Some recommendations may include utilizing their study centers, math handouts and or enrollment in one of their courses.Request an appointment

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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