DESAFIOS DE SEGURANÇA NAS INSTITUIÇÕES FINANCEIRAS DIGITAIS: ATAQUES MALWARE E MECANISMOS DE SEGURANÇA

Financial institutions face increasing challenges related to information security due to the intensification of cyber attacks, particularly threats such as malware and ransomware. This study aims to critically analyze these risks and evaluate the effectiveness of current technological tools and current regulations in preserving the supervision and confidentiality of digital financial systems. To this end, we adopted an exploratory and qualitative approach, based on a comprehensive literature review. Research has revealed that the adoption of artificial intelligence, especially through neural networks and machine learning algorithms, has proven effective in identifying attacks and containing malicious behavior in real time. Intrusion detection and prevention systems (IDS/IPS), combined with multifactor authentication protocols and biometric technologies, have brought benefits to the identity verification and fraud protection process. It is concluded that effectively combating malware attacks requires the adoption of advanced security mechanisms, such as machine learning, multifactor authentication and blockchain, integrated with artificial intelligence. This combination enables rapid detection and response to suspicious behavior, strengthening data protection in digital financial institutions.