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 Salesforce-B2B-Solution-Architect?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Salesforce-B2B-Solution-Architect: Salesforce Certified B2B Solution Architect Prüfung.
2024 Updated Actual Salesforce-B2B-Solution-Architect questions as experienced in Test Center
Aktuelle Salesforce-B2B-Solution-Architect Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
E html>Salesforce Salesforce-B2B-Solution-Architect : Salesforce Certified B2B Solution Architect Practice TestsPractice Tests Organized by Martin Hoax |
Latest 2024 Updated Salesforce Salesforce Certified B2B Solution Architect Syllabus
Salesforce-B2B-Solution-Architect dumps collection with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
Salesforce-B2B-Solution-Architect dumps collection : Download 100% Free Salesforce-B2B-Solution-Architect practice questions (PDF and VCE)
Exam Number : Salesforce-B2B-Solution-Architect
Exam Name : Salesforce Certified B2B Solution Architect
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Most recent Questions of Salesforce-B2B-Solution-Architect test are given at killexams.com
We offer legitimate and up-to-date Salesforce-B2B-Solution-Architect Study Guides with actual Salesforce Certified B2B Solution Architect test mock test for new test subjects in the Salesforce Salesforce-B2B-Solution-Architect Exam. Their Salesforce-B2B-Solution-Architect Mock Exam and answers will Excellerate your knowledge and ensure your success in the test center, covering all the subjects of the Salesforce-B2B-Solution-Architect test. Pass the test with their accurate questions and answers.
Our mission at killexams.com is to provide the best possible resources to help you pass your Salesforce Salesforce-B2B-Solution-Architect test on your first attempt. To achieve this goal, they offer their customers real Salesforce-B2B-Solution-Architect pdf test mock test in two formats: Salesforce-B2B-Solution-Architect PDF and Salesforce-B2B-Solution-Architect VCE test system. With these formats, you can breeze through the Salesforce Salesforce-B2B-Solution-Architect genuine test rapidly and adequately. Their Salesforce-B2B-Solution-Architect Exam Questions PDF format is designed for practicing on any gadget, including iPhone, iPad, Android, MAC, and more. You can even print it out and take it with you on holiday to the beach or any other location.
We take pride in their high Salesforce-B2B-Solution-Architect pass rate, which is at 98.9%. Furthermore, the comparability rate between their Salesforce-B2B-Solution-Architect Exam Cram and the genuine test is also at 98%. This means that you can rely on their materials to provide you with accurate and up-to-date information that will prepare you for the real exam. If you want to achieve success in the Salesforce-B2B-Solution-Architect test in just one attempt, then look no further than killexams.com. They are confident that their resources will help you pass your test with flying colors.
Salesforce-B2B-Solution-Architect test Format | Salesforce-B2B-Solution-Architect Course Contents | Salesforce-B2B-Solution-Architect Course Outline | Salesforce-B2B-Solution-Architect test Syllabus | Salesforce-B2B-Solution-Architect test Objectives
Exam Specification:
- test Name: Salesforce Certified B2B Solution Architect (Salesforce-B2B-Solution-Architect)
- test Code: Salesforce-B2B-Solution-Architect
- test Duration: 120 minutes
- test Format: Multiple-choice and multiple-select questions
Course Outline:
1. Introduction to B2B Solution Architecture
- Understanding the role and responsibilities of a B2B Solution Architect
- Overview of B2B commerce and its key concepts
- Understanding the Salesforce B2B Commerce platform
2. B2B Solution Design and Planning
- Gathering requirements and understanding business needs
- Designing B2B solution architecture based on customer requirements
- Planning and scoping B2B projects
3. B2B Data and Integration Architecture
- Designing data models and architecture for B2B commerce
- Integrating B2B commerce with external systems, such as ERP and CRM
- Implementing data migration and data synchronization strategies
4. B2B Commerce Implementation
- Configuring and customizing B2B Commerce features and functionalities
- Implementing pricing, product catalogs, and ordering processes
- Designing and implementing complex B2B workflows and business processes
5. Security and Compliance in B2B Commerce
- Designing and implementing security measures for B2B commerce
- Ensuring compliance with data privacy and regulatory requirements
- Managing user access and permissions in B2B environments
6. Performance Optimization and Scalability
- Optimizing B2B solution performance for high-volume transactions
- Designing scalable architectures to handle increased user loads
- Implementing caching and performance tuning techniques
7. B2B Solution Testing and Deployment
- Planning and executing test strategies for B2B commerce solutions
- Managing test environments and test data
- Planning and executing deployment strategies for B2B solutions
8. B2B Solution Governance and Maintenance
- Establishing governance practices for B2B solutions
- Managing ongoing maintenance and support of B2B environments
- Monitoring and optimizing B2B solution performance
Exam Objectives:
1. Understand the role and responsibilities of a B2B Solution Architect.
2. Design B2B solution architecture based on customer requirements.
3. Design and integrate B2B data and integration architecture.
4. Configure and customize B2B Commerce features and functionalities.
5. Ensure security and compliance in B2B Commerce environments.
6. Optimize B2B solution performance and scalability.
7. Plan and execute testing and deployment strategies for B2B solutions.
8. Establish governance practices and manage B2B solution maintenance.
Exam Syllabus:
The test syllabus covers the following subjects (but is not limited to):
- B2B solution design and planning
- B2B data and integration architecture
- B2B Commerce implementation and customization
- Security and compliance in B2B commerce
- Performance optimization and scalability
- B2B solution testing and deployment
- B2B solution governance and maintenance
Killexams Review | Reputation | Testimonials | Feedback
The party is over! Time to study and pass the exam.
After trying several books and resources, I was dissatisfied with not finding the right materials for test Salesforce-B2B-Solution-Architect. I was searching for a guide with easy language and well-prepared questions and answers. killexams.com mock test satisfied my needs, as it explained complex subjects in a simple way. In the actual exam, I received a score of 89%, beyond my expectations. Thank you, killexams.com, for your excellent guidance.
How many days are required for Salesforce-B2B-Solution-Architect preparation?
I highly recommend killexams.com to anyone considering buying test materials. It is a completely valid and dependable guidance device, especially for people who cannot afford to enroll in full-time courses. The questions are actual, and the resources, including Salesforce-B2B-Solution-Architect pdf, Salesforce-B2B-Solution-Architect practice test, and Salesforce-B2B-Solution-Architect books, are specific and beneficial. Thanks to killexams.com, I am now ranked highly among my classmates.
You just need a weekend for Salesforce-B2B-Solution-Architect test prep with these practice tests.
Thanks to killexams.com's practice test, I managed to pass the Salesforce-B2B-Solution-Architect exam. I'm grateful for this and take this opportunity to thank them once again. The mock test and test simulator were both supportive and detailed. I highly recommend this website for certification exams.
Read these questions, or be prepared to fail the Salesforce-B2B-Solution-Architect exam.
Killexams.com is an exceptionally reliable platform. Their provided questions and test simulator helped me score 100% on the Salesforce-B2B-Solution-Architect exam. I cannot recommend their product enough. I will definitely be using their resources for my next certification exam.
All real test questions for the latest Salesforce-B2B-Solution-Architect exam! Are you kidding?
Overall, killexams.com was an awesome resource that helped me prepare for the exam. Although some of the questions in the test were 100% similar to what killexams.com provided, I managed to pass with a great result. Over 70% of the questions were identical and the rest were very similar, which may or may not be a good thing. However, keep in mind that despite using killexams.com, you still need to study and use your brain.
Salesforce B2B learning
Salesforce-B2B-Solution-Architect Exam
User: Yaroslav***** I am grateful to killexams.com for providing contemporary test materials for the SALESFORCE-B2B-SOLUTION-ARCHITECT exam. All the individuals at killexams.com are doing an extraordinary job and ensuring the success of candidates in SALESFORCE-B2B-SOLUTION-ARCHITECT exams. I passed the SALESFORCE-B2B-SOLUTION-ARCHITECT test just because I used killexams.com material. |
User: Novaya***** In order to become SALESFORCE-B2B-SOLUTION-ARCHITECT Certified, passing the SALESFORCE-B2B-SOLUTION-ARCHITECT test was crucial. However, I had failed the test twice before. Fortunately, my cousin provided me with the Killexams.com material which contained great Questions and Answers. I scored 89% and was impressed with the materials format and enriched concepts. |
User: Orina***** I relied on Killexams.com material for guidance in passing the salesforce-b2b-solution-architect test last week. Their questions come directly from the actual pool of test questions used, making them highly reliable and trustworthy. Almost all the questions I encountered in the test were familiar to me, and I knew the answers thanks to Killexams.com. Their money-back guarantee also makes them a safe choice for anyone. |
User: Alice***** Thanks to the tremendous products provided by Killexams.com, I was able to score an impressive 92% on my SALESFORCE-B2B-SOLUTION-ARCHITECT certification exam. I was searching for a reliable test practice test to boost my knowledge, especially since the technical concepts and language in my certification were difficult to understand. Killexams.com offered easy solutions for me, and I am pleased with my success. This platform is an excellent training source for professional certification exams. |
User: Zvezda***** I had a difficult time preparing for the salesforce-b2b-solution-architect test because I needed an e-book that could provide questions and answers. killexams.com mock test were all in order and helpful. I had taken the salesforce-b2b-solution-architect test for three years in a row but could not pass it until I found killexams.com. It helped me understand my weaknesses and work on them to pass the exam. |
Salesforce-B2B-Solution-Architect Exam
Question: Can killexams team take control of my computer and Install test simulator? Answer: If you are unable to install the test simulator on your computer or the test simulator is not working, you should go through step by step guide to install and run the test simulator. The guide can be accessed at https://killexams.com/exam-simulator-installation.html You should also go through FAQ for troubleshooting. If you still could not solve the issue, you can contact support via live chat or email and they will be happy to solve your issue. Their live support can also login to your computer and install the software if you have TeamViewer installed on your computer and you send us your private login information. |
Question: The way to read for Salesforce-B2B-Solution-Architect test in the shortest time? Answer: The best way to pass your test within the shortest possible time is to visit killexams.com and register to get the complete dumps collection of Salesforce-B2B-Solution-Architect test test prep. These Salesforce-B2B-Solution-Architect test questions are taken from actual test sources, that's why these Salesforce-B2B-Solution-Architect test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these Salesforce-B2B-Solution-Architect questions are sufficient to pass the exam. |
Question: Did you attempt this amazing material Salesforce-B2B-Solution-Architect updated dumps? Answer: Killexams get section contains up-to-date actual Salesforce-B2B-Solution-Architect test questions that are taken from the Salesforce-B2B-Solution-Architect test prep. These questions' answers are Tested by experts before they are included in the Salesforce-B2B-Solution-Architect question bank. |
Question: How can I contact killexams technical Support? Answer: You can contact technical support via live chat or email to support. Their technical support team handles all exam-related queries. |
Question: All real test questions of Salesforce-B2B-Solution-Architect exam! Are you kidding? Answer: Yes, it looks like they are kidding but it is true. All the Salesforce-B2B-Solution-Architect real test questions are included in the test prep with VCE practice tests. That will prepare you enough to answer all the questions in the test and get good marks. |
https://www.pass4surez.com/art/read.php?keyword=Salesforce+B2B+learning&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 demo questions and demo brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.
Which is the best practice questions website?
Sure, Killexams is hundred percent legit and fully efficient. There are several capabilities that makes killexams.com reliable and authentic. It provides up-to-date and hundred percent valid test questions filled with real exams questions and answers. Price is very low as compared to almost all the services on internet. The mock test are current on usual basis utilizing most recent questions. Killexams account set up and solution delivery is quite fast. Data downloading can be unlimited and very fast. Help support is avaiable via Livechat and Netmail. These are the features that makes killexams.com a strong website offering 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 get 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 dumps collection 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 get 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 get Account. You can get 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 Test Center and Enjoy your Success.
ACE free questions | 922-102 study guide | VCS-257 pass test | Advance-RPA-Pro prep questions | IAAP-CPACC practice test | PDI mock test | CCI-CSSM test questions | PSNCB-CPSN PDF get | NCBTMB test prep | CFR-310 english test questions | CTAL-TM-UK free questions | PEGAPCLSA86V2 mock questions | Salesforce-Loyalty-Management get | Consul-Associate test cram | FSLCC dumps collection | CIFC test Questions | C1000-137 practice questions | CIPS-L5M5-ADPSC test cram | AGPCNP-BC free pdf | DES-DD33 test questions |
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect real questions
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect exam
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect teaching
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect Latest Questions
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect teaching
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect certification
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect outline
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect answers
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect testing
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect PDF Questions
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect book
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect testprep
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect certification
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect Questions and Answers
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect Study Guide
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect test Questions
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect education
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect test format
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect learn
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect Free PDF
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect test success
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect study help
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect actual Questions
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect questions
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect Questions and Answers
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect outline
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect testing
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect Latest Questions
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect test cram
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect Latest Topics
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect test Questions
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect testing
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect test
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect test success
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect information hunger
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect test Questions
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect test questions
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect test questions
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect study help
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect PDF Download
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect testing
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect test Questions
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect syllabus
Salesforce-B2B-Solution-Architect - Salesforce Certified B2B Solution Architect course outline
Other Salesforce Practice Tests
Salesforce-Certified-Advanced-Administrator practice exam | PDI test cram | Salesforce-Public-Sector-Solutions-Accredited-Professional assessment test sample | Salesforce-Certified-Community-Cloud-Consultant test cram | CRT-251 mock exam | Salesforce-AI-Associate test prep | Salesforce-Maps-Accredited-Professional test example | ADM-201 free test papers | Salesforce-nCino-201 practice questions | Salesforce-Health-Cloud-Accredited-Professional free study guide | Salesforce-Manufacturing-Cloud-Professional test questions | Service-Cloud-Consultant free questions | Certified-Data-Architecture-and-Management-Designer test exam | CPQ-211 test questions | ADX-271 test test | DEV-450 study help | Salesforce-Security-Privacy-Accredited-Professional test sample | ARC-801 PDF Download | Certified-Development-Lifecycle-and-Deployment-Designer test prep | Salesforce-Certified-Education-Cloud-Consultant mock questions |
Best practice questions You Ever Experienced
S2000-005 test example | 050-v71-CASECURID02 Practice Questions | DES-3128 Free test PDF | 4A0-115 practice exam | CEH-001 practice exam | AZ-204 study guide | NEA-BC online exam | 830-01 pdf exam | CAS-PA pass exam | PEGACPDC88V1 free test practice | HPE6-A68 test questions | CTEL test Questions | S90.19A past exams | COF-R02 test Questions | 010-002 test prep | 6210 pdf study guide | ACE-A1.2 pdf questions | 1D0-623 study material | E22-106 test sample | 1V0-41.20 test prep |
References :
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
Salesforce-B2B-Solution-Architect 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.
100% Valid and Up to Date Salesforce-B2B-Solution-Architect 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