Современные финансовые технологии и их влияние на экономическую безопасность банковской деятельности

Abstract

The article presents the results of the analysis of the impact of modern fintech on the economic security of banking activities. Based on open data, information was collected to form a fintech rating of ten Russian commercial banks with the highest level of digital maturity (based on independent assessments) and at the same time data on the level of innovation of these banks were taken into account (rating of the Skolkovo Innovation Center). The reliability indicator was used as a market marker of the economic security of banks (according to the Russian Forbes version for 2022, data for 2023 has not yet been published). The main working hypothesis in writing this article was the thesis that modern fintech can negatively affect the economic security of banking activities. This hypothesis was partially refuted by the results of correlation and regression analysis, which showed the presence of a linear correlation between the fintech rating of a commercial bank and its level of reliability – the higher the fintech rating, the higher the level of reliability of the bank. At the same time, it should be emphasized that the correlation found is not evidence of a causal relationship, but at the same time demonstrates that modern fintech is a tool that, with rational and professional use, can contribute to improving the economic security of banking activities.