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 Platform-App-Builder?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Platform-App-Builder: Salesforce Certified Platform App Builder Prüfung.

2024 Updated Actual Platform-App-Builder questions as experienced in Test Center

Aktuelle Platform-App-Builder Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

E html>

Salesforce Platform-App-Builder : Salesforce Certified Platform App Builder Practice Tests

Practice Tests Organized by Richard



Latest 2024 Updated Salesforce Salesforce Certified Platform App Builder Syllabus
Platform-App-Builder question bank with Premium PDF and Test Engine

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




Platform-App-Builder question bank : Download 100% Free Platform-App-Builder practice exams (PDF and VCE)

Exam Number : Platform-App-Builder
Exam Name : Salesforce Certified Platform App Builder
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions

High Scores in Platform-App-Builder test with these Premium Questions and Ans
Numerous websites offer Platform-App-Builder Exam Questions, but most of them are resellers who sell outdated Platform-App-Builder questions. It's a waste of time and money to study outdated Platform-App-Builder questions. Just visit killexams.com, download 100% free Question Bank, evaluate it, and sign up for the complete version. You will notice the difference.

There are numerous providers of TestPrep available on the internet, but most of them offer outdated Platform-App-Builder Cram Guide. To find a reliable and trustworthy source of Platform-App-Builder real questions, you need to conduct proper research. However, it's crucial to ensure that your research doesn't turn out to be a waste of time and money. To evaluate the quality of their Platform-App-Builder TestPrep, download their 100% free sample Platform-App-Builder questions, and register to access the latest and valid Platform-App-Builder Cram Guide that includes actual test questions and answers. Don't forget to get your Great Discount Coupons and also take advantage of their Platform-App-Builder VCE test simulator for your preparation.

At killexams.com, they offer the Latest, Valid, and Up-to-date Salesforce Salesforce Certified Platform App Builder dumps, which are essential to pass the Platform-App-Builder test. Enhancing your expertise as an expert within your organization is a prerequisite. Their ultimate goal is to assist individuals in passing the Platform-App-Builder test in their first attempt. Their Platform-App-Builder Cram Guide remains at the top constantly, thanks to their Free test PDF and VCE, which are trusted by their clients who take the real Platform-App-Builder test. killexams.com is the most credible source of actual Platform-App-Builder test questions. They ensure that their Platform-App-Builder real questions is always updated and valid. These Salesforce Certified Platform App Builder ACTUAL EXAM QUESTIONS will undoubtedly help you pass the test with good grades.







Platform-App-Builder test Format | Platform-App-Builder Course Contents | Platform-App-Builder Course Outline | Platform-App-Builder test Syllabus | Platform-App-Builder test Objectives


The Salesforce Certified Platform App Builder test has the following characteristics:

 Content: 60 multiple-choice/multiple-select questions

 Time allotted to complete the exam: 105

 Passing Score: 63%

 Registration fee: USD 200, plus applicable taxes as required per local law

 Retake fee: USD 100, plus applicable taxes as required per local law

 Delivery options: Proctored test delivered onsite at a testing center or in an online proctored environment. Click here for information on scheduling an exam.

 References: No hard-copy or online materials may be referenced during the exam.

 Prerequisites: None required; course attendance highly recommended.



ABOUT THE SALESFORCE CERTIFIED PLATFORM APP BUILDER CREDENTIAL

The Salesforce Certified Platform App Builder credential is designed for individuals who
would like to demonstrate their skills and knowledge in designing, building, and deploying
custom applications using the declarative customization capabilities of the Lightning
Platform. The candidate can create, manage, and update data models, application security,
business logic, and process automation.

Here are some examples of the concepts you should understand to pass the exam:

 Design the data model, user interface, business logic, and security for custom applications

 Customize applications for mobile use

 Design reports and dashboards

 Deploy custom applications



The Salesforce Certified Platform App Builder credential is intended for an individual who
has experience developing custom applications on the Lightning Platform, including
practical application of the skills and concepts noted in the test objectives below.

The Salesforce Certified Platform App Builder generally has six months to one year of
experience building applications on the Lightning Platform and/or on a similar technology
platform.

The Salesforce Certified Platform App Builder candidate has the experience, skills, and
knowledge outlined below:

 Familiarity with the capabilities of the Lightning Platform.

 Awareness of Salesforce license types and the related considerations.

 Ability to design applications to support business processes and reporting requirements.

 Familiarity with the social and mobile capabilities of the platform; accustomed to
using and optimizing business applications on a mobile device.

 Familiarity with the Salesforce development environments and the options available
to deploy applications and manage changes on the Lightning Platform.

 Study of the resources listed in this test Guide and the additional required study
materials provided by Salesforce.

A candidate for this test is not expected to be able to administer Sales Cloud or Service
Cloud, have programmatic development experience (Apex, Visualforce, etc.), design custom
interfaces using Visualforce, or design custom Lightning components using Apex or
JavaScript.



The Salesforce Certified Platform App Builder test measures a candidates knowledge and
skills related to the following objectives. A candidate should have hands-on experience
developing custom applications on the Lightning Platform and have demonstrated the
application of each of the features/functions below.

SALESFORCE FUNDAMENTALS

 Describe the capabilities of the core CRM objects in the Salesforce schema.

 Given a scenario, identify the boundaries of declarative customization and the use cases for programmatic customization.

 Identify common scenarios for extending an org using the AppExchange.

DATA MODELING AND MANAGEMENT

 Given a scenario, determine the appropriate data model.

 Describe the capabilities of the various relationship types and the implications of each on record access, user interface, and reporting.

 Identify the considerations when changing a field's type.

 Given a set of requirements, identify the considerations and select the appropriate field type.

 Describe the capabilities and considerations of the schema builder.

 Describe the options and considerations when importing and exporting data.

 Describe the capabilities of and use cases for external objects.

SECURITY

 Describe the features and capabilities available to restrict and extend object, record, and field access.

 Given a set of business requirements, determine the appropriate sharing solution.

Weighting 10%

Weighting 8%

Weighting 20%

SALESFORCE CERTIFIED PLATFORM APP BUILDER

BUSINESS LOGIC AND PROCESS AUTOMATION

 Describe the capabilities of and use cases for record types.

 Describe the capabilities of and use cases for formula fields.

 Describe the capabilities of, use cases for, and implications of roll-up summary fields.

 Describe the capabilities of and use cases for validation rules.

 Describe the capabilities of and use cases for approval processes.

 Describe the capabilities of and use cases for workflow, visual workflow, and Process Builder.

 Given a set of business requirements, recommend a solution to automate
business processes.

 Describe the ramifications of field updates and the potential for recursion.

SOCIAL

 Describe the capabilities of and use cases for social features.

USER INTERFACE

 Describe the user interface customization options.

 Describe the capabilities of and use cases for custom buttons, links, and
actions.

 Describe the declarative options available for incorporating Lightning
Components in an application.

 Given a scenario, determine the appropriate user interface design.

REPORTING

 Describe the features and capabilities available when creating reports,
report types, and dashboards.

MOBILE

 Describe the declarative customization options available for the Salesforce
mobile application user interface.

 Given a set of requirements, determine the appropriate global and objectspecific actions and action layouts to optimize the Salesforce mobile

application user experience.

Weighting 27%

Weighting 3%

Weighting 14%

Weighting 5%

Weighting 5%

SALESFORCE CERTIFIED PLATFORM APP BUILDER

APP DEVELOPMENT

 Describe the key milestones and considerations when managing the application lifecycle.

 Describe the differences between and considerations when using the various types of sandboxes.

 Describe the capabilities of and considerations when using change sets.

 Describe the use cases of and considerations when using unmanaged packages.

 Given a scenario, determine the appropriate deployment plan.



Killexams Review | Reputation | Testimonials | Feedback


What is the easiest way to pass the Platform-App-Builder exam?
killexams.com has top products for college students interested in the Platform-App-Builder certification education. The test engine has top-notch observe contents that are smooth to understand in a short period. I am thankful to the fantastic team as it helped me in my career improvement. It helped me to understand how to answer all important questions to get the most rankings. It was a brilliant decision that made me a fan of killexams, and I have decided to come back again.


The unbelievable performance of the Platform-App-Builder test bank and study guide.
Thank you, killexams.com! I passed my Platform-App-Builder test with 92% marks, and your question bank was very beneficial. If everyone practices 100% with your questions set and memorizes them well, they will undoubtedly succeed. I have passed three other tests with the help of your website, and I am grateful for the excellent material you provide.


Unbelievable! But this is a great resource for real Platform-App-Builder test questions.
Whenever I need to pass my certification test to maintain my project, I turn to Killexams for help. Preparing for Platform-App-Builder books can be a tricky task, and nine out of ten times, you might fail if you do not have proper guidance. That is where an excellent Platform-App-Builder e-book comes in! It provides you with efficient and groovy information that not only complements your training but also increases your chances of passing your Platform-App-Builder test and getting into any university without any difficulties. I prepared using this awesome program and scored 42 out of 50. I can assure you that it won't let you down!


The new syllabus of Platform-App-Builder test questions is provided right here.
Two weeks before my EC exam, my books got burnt in a fire at my place, and my education was incomplete. I thought of quitting, but then I found killexams.com. With their free demo, I could understand things easily and eventually passed my EC exam.


Definitely study these updated Platform-App-Builder practice tests, and success is yours.
I highly recommend the mock test provided by killexams.com to everyone preparing for the Platform-App-Builder exam. The material is incredibly helpful in getting an idea of the types of questions that will appear on the test and where to focus your studies. The practice exams provided were also excellent for gauging my readiness for the actual exam. The answers keys were particularly helpful in reinforcing what I had learned, and the explanations provided were easy to understand and added value to my understanding of the subject matter.


Salesforce Platform study help

Platform-App-Builder Exam

User: Yaroslav*****

The Salesforce platform-app-builder mock test section saved me as I was not confident with the Salesforce platform-app-builder test topics. Luckily, a friend suggested I try killexams.com Salesforce platform-app-builder practice tests. I registered and downloaded Salesforce platform-app-builder real questions, and it helped me pass the test quickly. I wish I had purchased it earlier, as it could have saved me a lot of time and money.
User: Agatha*****

I am grateful that I bought PLATFORM-APP-BUILDER test practice exams from killexams.com. The PLATFORM-APP-BUILDER test is challenging, as it covers everything in the blueprint, and the questions are extensive. But killexams.com covered everything flawlessly, and there were plenty of associated questions about the exam. This test preparation kit has proven to be worth the money, as I passed the PLATFORM-APP-BUILDER test earlier this week with a score of 94%. All the questions were valid, just like what they provide at the actual exam. I do not know how killexams.com does it, but they have been maintaining their quality for years. My cousin used them for another IT test years ago and says they were just as good back then. They are very reliable and trustworthy.
User: Abdallah*****

Enrolling in killexams.com was an opportunity for me to pass the PLATFORM-APP-BUILDER test and tackle its difficult questions. If it were not for this website, I would not have been able to pass the exam. After failing once, I was shattered, but finding this website made the process much smoother.
User: Gabriela*****

I used killexams.com practice exams to study for my PLATFORM-APP-BUILDER test and managed to pass it. I am so grateful for your encouragement and support, and I will definitely be recommending your website to others who are studying for certification tests. Your mock test and test Simulator were incredibly helpful and thorough.
User: Marya*****

I had only 12 days to prepare for the PLATFORM-APP-BUILDER exam, and I was loaded with a few points. I urgently needed an easy and effective guide. Eventually, I got the mock test from Killexams. Its concise answers were not hard to complete in 15 days. During the actual PLATFORM-APP-BUILDER exam, I scored 88% and answered all the questions in due time. I got 90% of the questions just like the pattern papers they provided. I am grateful to Killexams.

Platform-App-Builder Exam

Question: Which is the best test prep website?
Answer: Of course, the best Platform-App-Builder test prep website is killexams.com. It offers the latest and up-to-date test mock test to memorize and pass the test on the first attempt.
Question: Does killexams study guide work offline?
Answer: Yes, killexams study guides work offline. Killexams.com provides an offline method by downloading your Platform-App-Builder test questions in PDF format on your mobile phone, iPad or laptop and carry them anywhere you like. You do not need to be online all the time to keep your study going. Killexams test simulator also works offline. Just download and install on your laptop and you can go anywhere to keep your study going and preparing your test at a tourist or healthier place. Whenever you need to re-download the test files, you can connect your computer to the internet and download and go offline anytime you like.
Question: I am feeling difficulty in passing Platform-App-Builder exam, What do I do?
Answer: This is very simple. Visit killexams.com. Register and download the latest and 100% valid real Platform-App-Builder test questions with VCE practice tests. You just need to memorize and practice these questions and reset ensured. You will pass the test with good marks.
Question: Is Android supported with Platform-App-Builder PDF test prep?
Answer: Yes, You can read Platform-App-Builder questions on Android and other operating systems. You simply need a PDF viewer to read Platform-App-Builder mock test on your device. You need not have any special application to open killexams Platform-App-Builder test prep file. You can open these files with any PDF reader you usually use.
Question: The test that I purchased is retired, What should I do?
Answer: If you found that the test that you buy is retired and you can not take the test anymore. You should contact support or sales and provide the test code and ask to switch to the test that you want. But the test you ask to setup should be on the test list at https://killexams.com/vendors-exam-list
Salesforce+Platform+study+help
https://www.pass4surez.com/art/read.php?keyword=Salesforce+Platform+study+help&lang=us&links=remove

While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. Killexams.com make it sure to serve its clients best to its resources with respect to ACTUAL EXAM QUESTIONS update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. Specially they take care of killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. The same care that they take about killexams review, killexams reputation, killexams ripoff report complaint, killexams trust, killexams validity, killexams report and killexams scam. If you see any false report posted by their competitors with the name killexams ripoff report complaint internet, killexams ripoff report, killexams scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are thousands of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit Their sample questions and sample brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best practice exams website?
You bet, Killexams is totally legit plus fully trustworthy. There are several options that makes killexams.com real and legitimate. It provides informed and totally valid test questions that contains real exams questions and answers. Price is really low as compared to many of the services on internet. The mock test are updated on usual basis utilizing most exact questions. Killexams account setup and supplement delivery is extremely fast. Data file downloading is normally unlimited and really fast. Guidance is avaiable via Livechat and E-mail. These are the features that makes killexams.com a sturdy website that supply test prep with real exams questions.



Is killexams.com test material dependable?
There are several mock test provider in the market claiming that they provide actual test 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 2024 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 test mock test with the same frequency as they are updated in Real Test. test questions 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 test Fast with improvement in your knowledge about latest course contents and subjects of new syllabus, They recommend to download PDF test Questions from killexams.com and get ready for actual 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 mock test will be provided in your download Account. You can download Premium practice test files as many times as you want, There is no limit.

Killexams.com has provided VCE practice test Software to Practice your test by Taking Test Frequently. It asks the Real test 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 actual Test. Go register for Test in Exam Center and Enjoy your Success.




CWOCN test results | C-EFM practice test | VNX100 free questions | RDN online test | 5V0-31.22 practice questions | ACSB-D8 test Questions | ISTQB-Advanced-Level-3 free study guide | DOP-C01 prep questions | NSE7_SDW-7.0 free online test | DEE-1721 online test | Magento-Certified-Professional-Cloud-Developer mock test | CEH-001 test sample | SD0-101 Study help | HPE0-S58 bootcamp | MS-100 Practice Questions | CTFL-PT english test questions | FML-5.3.8 test cram | MB-700 cram book | SVC-19A test questions | Salesforce-Certified-Business-Analyst test papers |


Platform-App-Builder - Salesforce Certified Platform App Builder answers
Platform-App-Builder - Salesforce Certified Platform App Builder test
Platform-App-Builder - Salesforce Certified Platform App Builder Latest Topics
Platform-App-Builder - Salesforce Certified Platform App Builder syllabus
Platform-App-Builder - Salesforce Certified Platform App Builder test Questions
Platform-App-Builder - Salesforce Certified Platform App Builder practice tests
Platform-App-Builder - Salesforce Certified Platform App Builder test success
Platform-App-Builder - Salesforce Certified Platform App Builder test success
Platform-App-Builder - Salesforce Certified Platform App Builder syllabus
Platform-App-Builder - Salesforce Certified Platform App Builder testing
Platform-App-Builder - Salesforce Certified Platform App Builder Free PDF
Platform-App-Builder - Salesforce Certified Platform App Builder course outline
Platform-App-Builder - Salesforce Certified Platform App Builder test questions
Platform-App-Builder - Salesforce Certified Platform App Builder PDF questions
Platform-App-Builder - Salesforce Certified Platform App Builder Free PDF
Platform-App-Builder - Salesforce Certified Platform App Builder education
Platform-App-Builder - Salesforce Certified Platform App Builder test
Platform-App-Builder - Salesforce Certified Platform App Builder course outline
Platform-App-Builder - Salesforce Certified Platform App Builder test
Platform-App-Builder - Salesforce Certified Platform App Builder exam
Platform-App-Builder - Salesforce Certified Platform App Builder course outline
Platform-App-Builder - Salesforce Certified Platform App Builder information source
Platform-App-Builder - Salesforce Certified Platform App Builder test questions
Platform-App-Builder - Salesforce Certified Platform App Builder Free PDF
Platform-App-Builder - Salesforce Certified Platform App Builder test Questions
Platform-App-Builder - Salesforce Certified Platform App Builder Free test PDF
Platform-App-Builder - Salesforce Certified Platform App Builder answers
Platform-App-Builder - Salesforce Certified Platform App Builder study tips
Platform-App-Builder - Salesforce Certified Platform App Builder Questions and Answers
Platform-App-Builder - Salesforce Certified Platform App Builder test cram
Platform-App-Builder - Salesforce Certified Platform App Builder real questions
Platform-App-Builder - Salesforce Certified Platform App Builder test Questions
Platform-App-Builder - Salesforce Certified Platform App Builder test Cram
Platform-App-Builder - Salesforce Certified Platform App Builder Test Prep
Platform-App-Builder - Salesforce Certified Platform App Builder test contents
Platform-App-Builder - Salesforce Certified Platform App Builder test Questions
Platform-App-Builder - Salesforce Certified Platform App Builder Premium PDF
Platform-App-Builder - Salesforce Certified Platform App Builder testing
Platform-App-Builder - Salesforce Certified Platform App Builder PDF download
Platform-App-Builder - Salesforce Certified Platform App Builder real questions
Platform-App-Builder - Salesforce Certified Platform App Builder tricks
Platform-App-Builder - Salesforce Certified Platform App Builder syllabus
Platform-App-Builder - Salesforce Certified Platform App Builder syllabus
Platform-App-Builder - Salesforce Certified Platform App Builder tricks

Other Salesforce Practice Tests


Salesforce-Certified-CPQ-Specialist test practice | Salesforce-Advanced-Cross-Channel practice exam | Salesforce-Certified-Sales-Cloud-Consultant Latest Topics | Salesforce-Certified-Community-Cloud-Consultant test exam | Service-Cloud-Consultant real questions | CRT-271 free pdf | Salesforce-Health-Cloud-Accredited-Professional test example | Salesforce-Manufacturing-Cloud-Professional free pdf | Salesforce-nCino-201 test questions | Salesforce-Financial-Services-Cloud test questions | DEX-403 certification sample | Salesforce-Certified-Marketing-Cloud-Consultant english test questions | Salesforce-Consumer-Goods-Cloud test cram | CPQ-201 test results | Salesforce-Experience-Cloud-Consultant Practice test | Salesforce-Certified-Education-Cloud-Consultant practice exam | CRT-251 test prep | Salesforce.Field-Service-Lightning-Consultant prep questions | DEV-401 test Cram | Certified-Development-Lifecycle-and-Deployment-Designer practice questions |


Best practice exams You Ever Experienced


DES-DD33 questions and answers | UIPATH-ARDV1 test prep questions | AFE Free PDF | CSTE practice questions | QSBA2021 practice exam | DNCB-DNC test papers | AZ-400 Practice Test | CSSBB Test Prep | KCNA study guide | 4A0-107 PDF Download | SCP-500 test Questions | JN0-223 online exam | Certified-Data-Architecture-and-Management-Designer study guide | HH0-210 english test questions | HPE0-S60 study material | SABE501V3-0 study guide | PSA-2023 Study help | BONENT-CHT Practice Test | 2V0-51.23 free study guide | H12-261 practice exam |





References :


http://killexams-braindumps.blogspot.com/2020/06/exam-platform-app-builder-latest-topics.html
https://www.instapaper.com/read/1322164172
https://killexams-posting.dropmark.com/817438/23763893
https://www.blogger.com/comment.g?blogID=9877556&postID=110660143002621115&page=1&token=1596633834640
https://www.coursehero.com/file/67822507/Salesforce-Certified-Platform-App-Builder-SU18-Platform-App-Builderpdf/
http://feeds.feedburner.com/PreciselySame920-199QuestionsAsInRealTestWtf
https://sites.google.com/view/killexams-platform-app-builder
https://drp.mk/i/1N5c5Zx1Vn
https://files.fm/f/9wxr5zas3



Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank






Direct Download

Platform-App-Builder 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.

Platform-App-Builder Reviews

100% Valid and Up to Date Platform-App-Builder 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