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 : SuiteFoundation
Exam Name : NetSuite SuiteFoundation
Vendor Name : NetSuite
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SuiteFoundation test Format | SuiteFoundation Course Contents | SuiteFoundation Course Outline | SuiteFoundation test Syllabus | SuiteFoundation test Objectives

Exam Specification:

- test Name: NetSuite SuiteFoundation
- test Code: SuiteFoundation
- test Duration: 2 hours
- test Format: Multiple-choice questions

Course Outline:

1. Introduction to NetSuite
- Overview of NetSuite as an ERP solution
- Understanding the SuiteFoundation certification program and test structure

2. NetSuite Basics
- Navigating the NetSuite user interface
- Understanding record types and forms
- Working with lists and searches in NetSuite

3. NetSuite Setup and Configuration
- Configuring company settings and preferences
- Setting up roles and permissions
- Managing user access and security

4. NetSuite Customization
- Customizing forms, fields, and records
- Creating and managing workflows
- Designing custom reports and dashboards

5. NetSuite Data Management
- Importing and exporting data in NetSuite
- Understanding data migration strategies
- Working with CSV and Excel files

6. NetSuite SuiteAnalytics
- Overview of SuiteAnalytics tools
- Building saved searches and reports
- Analyzing data with SuiteAnalytics Workbook

7. NetSuite SuiteFlow
- Introduction to SuiteFlow automation tool
- Creating and managing workflows and approvals
- Designing custom business processes

Exam Objectives:

1. Understand the basic features and functionalities of NetSuite.
2. Navigate and work effectively within the NetSuite user interface.
3. Configure company settings and preferences in NetSuite.
4. Set up roles, permissions, and user access in NetSuite.
5. Customize forms, fields, and records in NetSuite.
6. Create and manage workflows to automate business processes in NetSuite.
7. Design and generate custom reports and dashboards in NetSuite.
8. Import and export data in NetSuite and understand data migration strategies.
9. Utilize SuiteAnalytics tools for data analysis and reporting.
10. Create and manage workflows and approvals using SuiteFlow.

Exam Syllabus:

The test syllabus covers the following Topics (but is not limited to):

- Introduction to NetSuite
- NetSuite basics
- NetSuite setup and configuration
- NetSuite customization
- NetSuite data management
- NetSuite SuiteAnalytics
- NetSuite SuiteFlow

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When To Take A Pregnancy Test, According To Experts

You should wait to take a pregnancy test until the first day of your missed period. Since HCG is only present once implantation of the egg occurs, there often isn’t enough of the hormone to be detected until you miss your menstrual cycle.

“Pregnancy tests pick up the hormone secreted after implantation, which usually occurs about two weeks after the sperm meets the egg,” says Dr. Culwell. “For women who have regular periods, this usually means that HCG can be detected as soon as you miss a period.”

This, of course, assumes you have a regular menstrual cycle that can be easily tracked and predicted. If this isn’t the case, you may choose to instead track ovulation, or when an egg is released and makes its way to the uterus where it can potentially be fertilized. An at-home ovulation predictor kit can help you track fertilization.

If this method is used, it’s best to take a pregnancy test “approximately 14 days after a documented ovulation,” says Zaher Merhi, M.D., an OB-GYN, reproductive endocrinologist and founder of Rejuvenating Fertility Center with locations in New York and Connecticut.

Signs You Should Take A Pregnancy Test

The biggest indicator it’s time to take a pregnancy test is a missed period. It isn’t the only sign, however. Symptoms that signal it may be time to take a pregnancy test, according to Dr. Merhi, include:

  • Missing a period
  • Breast fullness/soreness
  • Frequent urination
  • Nausea
  • Vomiting
  • Fatigue
  • Abdominal bloating
  • When Is the Best Time to Take a Pregnancy Test?

    You can take a pregnancy test any time of the day. But if there’s a chance you’re early in pregnancy, take it in the morning when your urine is most concentrated so the test can more easily detect the HCG hormone, says Dr. Culwell.

    “The best time in the cycle to take a test would be after you have missed a period,” says Dr. Culwell. “This will make it less likely that you might miss an early pregnancy if the HCG levels are too low to be picked up by the test.”

    Where To Buy A Pregnancy Test

    You can buy a pregnancy test at most drug stores and grocery stores, or even online.

    How Soon Can You Take a Pregnancy Test?

    At-home pregnancy tests are regulated by the Food and Drug Administration (FDA), meaning their accuracy and labeling is evaluated before they reach store shelves. When it comes to the accuracy of at-home pregnancy tests, research shows if the test is used as directed, an inaccurate result is rare. While false-positive pregnancy test results are uncommon, if you do receive an inaccurate result, it’s more likely to be a false-negative. In this case, it’s likely you’re testing too early, before HCG can be detected.

    “For most women who have a regular menstrual cycle, a pregnancy test could be taken on the expected day of the period,” says Dr. Merhi. “The earliest [time to test] would be the expected day of the period; however, I usually tell patients to wait at least a few days (or one week) after the expected day of the period in order to lower the chances of having a false result.”

    It’s worth noting that at-home pregnancy tests accuracy claims—many of which advertise an accuracy rate of 99% from the day of the expected period—are based on data used in a sterile laboratory testing environment. If you think you received an inaccurate result, you can either wait and test again a few days later or see your doctor for a blood test, which can detect HCG earlier than at-home tests and has an accuracy rate of 99%.

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    Oracle NetSuite: NetSuite Helps Paysend on Growth Journey

    NetSuite helps payment platform automate manual tasks, optimise financial processes, and Improve decision-making to boost international expansion

    LONDON, Aug. 10, 2023 /PRNewswire/ -- Paysend, a global money transfer platform, has grown to over seven million customers across 170 countries while running on Oracle NetSuite. With NetSuite, Paysend has been able to take advantage of an integrated business suite to automate financial processes, implement strict controls, gain a holistic view of its operations, and support its rapid global expansion.

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    Paysend was founded in 2017 with a mission to simplify cross-border payments, connect people and businesses, and increase financial inclusion globally. In 2021, Paysend secured $125 million in funding to expand beyond Europe and create new B2B services, but as its operations grew, its existing financial systems struggled to keep pace, with month-end processes taking more than 90 days. To support its growth, consolidate its financial management processes, and centralise its business-critical information to enable real-time analysis and decision making, Paysend selected NetSuite, including NetSuite OneWorld, as its global business management suite.

    "Creating a single view of the business is a mission for us. It summarises how they want to work," said Ronald Millar, co-founder and CEO, Paysend. "NetSuite has made the day-to-day easier for their people by reducing the time they spend on operational work and eliminating barriers to growth. Without NetSuite, they would not have been able to take their business to the next level - from local to global and from thousands to millions of transactions each month. The best part is we've only just scratched the surface of what they want to do."

    With NetSuite, Paysend has a scalable financial command centre to consolidate and automate its global financial operations across different regulatory environments and hundreds of currencies. For example, NetSuite has helped Paysend streamline financial reporting, Improve forecasting, support its tax and reporting requirements across its subsidiaries around the world, and implement robust internal controls for spend and auditing. In addition, the in-depth financial analysis within NetSuite has enabled Paysend to easily monitor the performance of its product lines and geographies in granular detail. The insights provided by NetSuite have helped Paysend inform strategic direction and demonstrate operational efficiency to investors.

    "The remittance industry is big business. As more people use financial platforms to pay for goods and services and to pay one another, there is a huge opportunity for innovators like Paysend," said Nicky Tozer, SVP, EMEA, Oracle NetSuite. "With NetSuite at its core, Paysend has been able to rapidly and efficiently expand its business to seven million plus customers and has a scalable platform to support its continued international growth."

    About Oracle NetSuiteFor more than 20 years, Oracle NetSuite has helped organisations grow, scale and adapt to change. NetSuite provides an integrated system that includes financials / Enterprise Resource Planning (ERP), inventory management, HR, professional services automation and omnichannel commerce, used by more than 36,000 customers in 217 countries and dependent territories.

    Learn more at https://www.netsuite.com. Like us on Facebook, and follow us on LinkedIn, Instagram, and Twitter.

    Trademarks Oracle, Java, MySQL and NetSuite are registered trademarks of Oracle Corporation. NetSuite was the first cloud company--ushering in the new era of cloud computing.

    About Paysend Paysend is a next generation integrated global payment ecosystem, enabling consumers and businesses to pay and send money online anywhere, anyhow and in any currency. Paysend is UK-based and has global reach having been created in April 2017 with the clear mission to change how money is moved around the world. Paysend currently supports a cross-network operability globally across Mastercard, Visa, China UnionPay and local ACH and payment schemes, providing over 40 payment methods for online SMEs. Paysend can send money to 135 countries worldwide and has attracted more than five million consumers to its platform. As a global end-to-end payment platform, Paysend has its own global network of banks and international and local payment systems and has partnerships with the major international card networks Visa, Mastercard and China UnionPay as a principal member and certified processor. For further information visit https://paysend.com.

    Logo - https://mma.prnewswire.com/media/1307700/Oracle_NetSuite_Logo.jpg

    Cision View original content:https://www.prnewswire.co.uk/news-releases/netsuite-helps-paysend-on-growth-journey-301897311.html

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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 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.


    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:


    • 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


    • 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