Розвиток системи фінансової безпеки банківських установ в умовах цифровізації

The article presents a review of the category of “financial security of banking institutions” at the macro and micro levels. At the macro level, the financial security of banking institutions depends on: the stability of economic development, the effectiveness of regulation and supervision of the NBU and other regulatory bodies, the state of the financial system and external factors. At the micro level, the financial security of banking institutions depends on: indicators of the bank’s financial stability, an effective risk management system, professional corporate governance, characterized by transparency, responsibility and effective control over the bank’s activities and information and digital security. The author’s definition of the terms “digitalization of banking institutions” and “financial security of banking institutions in the context of digitalization” is given. Key aspects of the process of digitalization of the financial security system of banking institutions are considered, namely: the benefits of digitalization for banks: cost reduction, efficiency improvement, expansion of the client base, personalization of services, new sources of income; challenges of digitalization for banks: cybersecurity, data confidentiality, technological lag, the need for investments, changing the business model; the impact of digitalization on banking institution clients: convenience and accessibility, speed of service, personalized offers, increasing financial literacy; regulation of the banking system in the context of digitalization: adaptation of legislation, ensuring cybersecurity, promoting innovation. The main indicators of the financial security system of banking institutions in the context of digitalization are graphically presented, such as: the bank's network risk management department, the bank's information protection system, means of detecting illegal attempts to penetrate the banking system's resources, means of network interaction for making interbank payments in the banking system. The main indicators of the level of digitalization of banking institutions in Ukraine are grouped in tables, in particular: the number of successful BankID identifications; the total number of open accounts; the number of accounts with access via the Internet; cash withdrawals; non-cash transactions; the total number of payment cards issued; enterprises accepting payment cards; the number of operating retail branches; active payment cards; contactless payment cards; tokenized payment cards; number of payment terminals per 1 million population. A PEST analysis of the impact of political, economic, social and technological factors on the financial security system of banking institutions in the context of digitalization was conducted.