Кіберзахист банківської системи україни в умовах цифрових трансформацій

Abstract

UA: В статті актуалізовано проблеми кібератак на банківську систему України, пов’язані зі зламом електронної системи та виманювання коштів. Наведено розмежування поняття безпеки банківського сектору за рівнем і характером дій. Обґрунтовано, що швидкість цифрової трансформації в банківському секторі спричинює появу нових ризиків, особливо кібернетичних. Акцентовано, що урядом приймається нормативна законодавча база з врахуванням вимог ЄС з питання кіберзахисту банківської системи на основі якого забезпечується національна безпека країни. EN: The article updates the problems of cyberattacks on the banking system of Ukraine, exacerbated by military actions and numerous cyberattacks of the aggressor country, related to the hacking of the electronic system and extortion of funds. Possible cyber threats to the banking system of Ukraine in the conditions of inevitable digitization are analyzed. Demarcation of the concept of security of the banking sector according to the level and nature of actions into the information security of the banking sector, the security of information technologies of the bank and directly the cyber security of the banking institution is presented. Research by international institutes on the analysis of the impact of Fintech on banking activities identified the key risks associated with the development of digital technologies: strategic risk, operational risk, cyber risk, compliance risk. The impact of key risks in banking related to digitalization is shown, where the cyber risk is identified as the key one, the occurrence of which has a direct impact on the entire information system of the state and on national security. New challenges to the banking system of Ukraine, caused by the war, have formed stable business models for banks, taking into account a balanced approach to risks, especially cyber risks. The conducted research gave reasons to state that the joint efforts of commercial banks and the regulator of the financial sector hardened to the biggest shocks and ensured uninterrupted work. It was emphasized that the government adopts a regulatory legislative framework taking into account EU requirements on the issue of cyber protection of the banking system, based on which the national security of the country is ensured.