TRENDS OF FRAUD OPERATIONS ON THE BANKING MARKET AND APPROACHES OF CYBERSECURITY AS-SESSMENT

Анотація

The article emphasizes the identification of current trends in fraudulent transactions in the banking market. It is revealed the critical factors of cybercrime development in the financial sector. To ana-lyze research on trends in fraudulent transactions in the banking market and approaches to assess-ing cybersecurity, a map of scientific bibliography is formed using the software product VOS-viewer, based on Scopus database publications in terms of the intersection of queries in such cate-gories as "banking" and "cybersecurity." Cybersecurity problems in banks, types of cyber fraud, and types of software that have been developed and implemented in recent years. It is presented a graphical visualization of the main risks, the growth of which is expected soon. It is formed the rat-ing of the most common types of fraud in banks. The article is stressed on a structural analysis of priority sources of cyberattacks in the banking market. It is described options for malicious soft-ware to interfere with banking programs. The relevant requirements for building a system of coun-teraction within the internal processes of the bank are considered. Emphasis is placed on incidents of making an adequate organizational structure, educational work with staff in the field of informa-tion security and risk management, the use of modern technologies, creating an effective manage-ment system and decision-making. It is conducted a comprehensive analysis of the bank's customer service channels, most prone to cybercrime attacks. The investigation is stressed on restrictions designed to protect bank accounts from unauthorized access. The article contains a list of problems that may arise in the bank's customers when using the affected software, which forces banks to im-plement anti-fraud systems. It is considered the latest approaches to countering bank account at-tacks. The article contains malicious software (Ramnit, Trickbot, Ursnif, Gustuff, IcedID, IcedID, Panda, Zevs), which has affected banks in recent years, causing significant material damage. Mod-ern approaches to the assessment of the information protection system in general and cybersecu-rity, in particular, are identified.

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