TRANSFORMATION OF RISK MANAGEMENT SYSTEMS IN THE BANKING SECTOR IN THE ERA OF DIGITALIZATION
Анотація
The study analyzes the transformational changes in risk management systems of the banking sector under digitalization and outlines directions for adapting risk management to new technological and regulatory conditions. A systemic approach, comparative analysis of domestic and international publications, statistical analysis of IMF data on cyber incidents, structural-logical analysis of BCBS, EBA, DORA, and NBU regulations, and graphical visualization were applied. Digitalization has fundamentally changed the structure of banking risks, introducing cyber risks, operational model risks, and data confidentiality threats. About 20% of large banks may not withstand a 25% outflow of wholesale deposits after cyber incidents. The study confirms the effectiveness of machine learning, big data analytics, and AI for real-time risk monitoring. Technological and regulatory adaptation directions were systematized, including process automation, enhanced cybersecurity, and the creation of digital bank ecosystems. Digital transformation requires comprehensive updating of risk management systems by integrating innovative technologies with regulatory requirements. Successful adaptation enhances operational resilience, cybersecurity, and financial stability. The practical significance lies in providing banks with strategies to improve risk management efficiency, reduce losses from cyber incidents, and ensure compliance with modern regulatory standards.
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