СИСТЕМА РИЗИКІВ ДІЯЛЬНОСТІ КОМЕРЦІЙНИХ БАНКІВ В УМОВАХ ЦИФРОВІЗАЦІЇ

Abstract

The trend of modern commercial banks is the digitalization of decision-making processes and various operations, which ensures the preservation of the customer base and the expansion of the banking business through new electronic chan-nels and online lending. It is established that innovative banking technologies create new sources of risk and should ensure effective processes of their management and control. The complex of risks of banking activity in the conditions of digitaliza-tion from the standpoint of consumer interests (data confidentiality, data security, termination of certain types of banking services and fraudulent marketing practices, as well as from the standpoint of banks and the banking system) is identified. , increasing the relationship between participants in the banking sector, liquidity risk and volatility of sources of bank financ-ing, compliance risk, financial technology risks, outsourcing risk.Among the most influential in the implementation of digital technologies in the implementation of digital technologies are the following: strategic, operational risks, growing difficulties in complying with compliance requirements and standards, compliance risk, third party risks, cyber and liquidity risks, and related risks using cloud technologies. The main causes of cyber risks for a commercial bank are stated, which can be solved by constantly updating legislation and uniform security standards, increasing itsown bank financing, as well as cultivating a corporate culture in the field of cybersecurity in the bank. These reasons lead to the use of certain elements of controlling and management of a commercial bank, the system of which includes training staff in cybersecurity rules in any format, developing a fraud plan, regular cybersecurity audits, training customers in basic security rules. A critical issue in the management of banking risks in the context of digitalization is the strengthening of legal provisions governing the field of remote banking