Экономическая безопасность банковской системы страны в условиях цифровой трансформации

Abstract

The subject of the study is banking security. The purpose of the study is to identify the impact of economic crimes in the banking sector on ensuring economic security in the country in the context of growing digital risks. The objectives of the study are to consider the causes, dynamics, measures to prevent and combat crimes in the banking sector. The novelty of the study lies in the identification of factors and threats to banking security during the transition to a digital economy, digital data on economic crimes committed in the credit and banking system, the structure of economic security in the banking system and measures to ensure it are highlighted. The economic security system of a credit organization is based on the analysis of potential external and internal threats, their timely identification and forecasting, and the creation of a set of measures to prevent them. Crimes in the banking sector are a problem that has negative consequences for credit institutions, clients, and society as a whole. They are the causes of financial losses, decreasing of trust, and deterioration of the reputation of banks. Digital technologies (online banking, electronic payment systems, etc.), despite the existing advantages, create new problems and risks for the security and stability of the banking system. For the safety of banks and, accordingly, national security, it is necessary that law enforcement agencies, banks, economists and legislators respond quickly and effectively to unfavorable foreign policy and economic situations.