DEVELOPMENT OF DIGITAL BANKING IN THE STRUCTURE OF THE BANK'S REMOTE SERVICE MECHANISM UNDER MARTIAL LAW

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The article emphasizes the importance of modern digital development of the banking sector towards the digitalization of the remote banking mechanism. The author considers the impact of remote banking on the positions of banks, support for the economy and the main aspects of its functioning in Ukraine. Special attention is paid to the main cybersecurity issues in the e-banking mechanism: shortage of personnel, lack of awareness of employees, lack of an appropriate quality budget, credentials problem areas, gaps in mobile applications of banks. The study identifies key elements of remote banking during martial law, such as reducing the territorial network of banks, developing technological solutions, operational stability, depositor confidence, investing in cybersecurity and staff. The article reflects the challenges and threats to the current functioning of Ukrainian banks during martial law, and highlights the peculiarities of transformations at the current stage of the remote banking mechanism. Attention is drawn to the importance of introducing practical trainings, case studies, and cyberattack simulations in the training of staff and customers; the importance of using artificial intelligence and machine learning is also emphasized. Artificial intelligence and machine learning are important for recognizing and countering cyber threats in real time. Training of end users - awareness - is an important cybersecurity asset in the RBS mechanism, depending on their habits and behavior. The author suggests stages of training in the form of a webinar or interactive seminars for greater efficiency and the ability to answer questions from participants. The importance of all consumers of bank services of different age groups is emphasized. The author extends the use of artificial intelligence in the areas of creating predictive models, performing natural language processing for analyzing unstructured data, creating systems for full automation, providing reinforcement learning, implementing generative models for fraud detection, combating money laundering, and analyzing customer behavior. It is concluded that the use of innovative technologies will allow banks to automate the detection of abnormal and suspicious activities, ensuring a high level of security and protection of financial transactions. The author proposes to improve the current mechanism of the digital environment on the basis of cyber insurance, and indicates the practical aspects of the functioning of the insurance scheme with the participation of a bank as an insurance agent. For greater effectiveness of this type of insurance, it is proposed to focus on the risk of extortion - phishing (Internet extortion, fake payment sites), vishing (telephone fraud), withdrawal of funds from a lost/stolen card, etc.