Abstract. 

The work is devoted to an overview of current trends in the development of online banking customer service using remote service technologies. The complication of banking digital platforms has led to the formation of information ecosystems that can satisfy a variety of customer needs. Using the SBER ecosystem as an example, it is shown that today banks not only manage customer accounts, but also integrate with marketplaces to provide various non-financial services. The process of accumulation of colossal arrays of personal and confidential information, financial assets attracts the interest of fraudsters working on the Internet. The statistics of cyber theft and unauthorized access to digital services proves that cyber fraud is constantly expanding and is looking for new tools to hack systems. Therefore, the purpose of the work was to substantiate a new approach to building protection based on the detection of cyber-attacks – deception. The goal set led to the solution of the following tasks: the general trends in the complication of banking digital platforms to entire ecosystems were considered, the statistics of cyber fraud on the Internet and the features of targeted cyber-attacks were studied, a new approach to building a system for protecting digital banking services was proposed.

Keywords: 

security, internet banking, personal data, cyber fraud, theft.

PP. 123-132.

 

DOI: 10.14357/20790279230212

 

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