CYBERCRIME AS A THREAT TO ECONOMIC SECURITY: WORLD EXPERIENCE AND THE SITUATION IN UKRAINE

Introduction. Global practice demonstrates a significant increase in the number of cyber incidents, including attacks on financial institutions, critical infrastructure enterprises, and government information systems. According to estimates by international organizations, the annual economic losses from cybercrime amount to hundreds of billions of dollars, posing serious challenges to the development of sustainable economic policy. This issue is particularly relevant for Ukraine, which, on the one hand, is actively implementing digital services, and on the other hand, is facing limited resources in the field of cybersecurity and an increasing level of cyberattacks related to hybrid threats. Methods.This article employs a comprehensive approach to analyzing the issue of cybercrime as an economic threat. The methodological framework is based on general scientific methods: analysis, synthesis, induction, deduction, as well as specialized economic methods – comparative analysis, economic modeling, and statistical data analysis. The study includes a review of international cybersecurity reports, publications by leading research institutions and think tanks, as well as legal and regulatory documents from Ukraine and other countries concerning cybercrime prevention. Results. The conducted research has shown that cybercrime is a significant destabilizing factor in economic security, especially in the context of intensified economic digitalization. In particular, the main forms of cybercrime directly impacting the economy have been identified: financial fraud, attacks on banks and companies, theft of confidential data, cyber extortion, and disruption of critical infrastructure operations. The global experience in countering cyber threats has been analyzed. The current state of cybersecurity in Ukraine has been examined, and key problems have been identified: fragmented response systems, insufficient funding, lack of highly qualified personnel, and rising risks due to hybrid warfare. Priority measures to mitigate cyber-economic threats are proposed, including institutional strengthening of the cybersecurity sector, development of the domestic cyber services market, promotion of digital literacy, and the formation of a system for economic assessment of losses from cybercrime. Prospects. In the context of the dynamic development of digital technologies and changes in the cyber threat landscape, further research may focus on developing methods for quantitative assessment of economic losses from cybercrime at the level of specific industries and enterprises, analyzing the effectiveness of public policy in the field of cyber-economic security (particularly under martial law), and identifying priority areas of digital transformation that simultaneously enhance economic efficiency and reduce cyber risks. Keywords: cybercrime, economic security, cyber threats, digital economy, cybersecurity, financial losses, national security, information technology.