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Published in:
2019 | OriginalPaper | Chapter
Problems of Provision of Banking Systems’ Information Provision
Authors : Gilyan V. Fedotova, Oksana A. Kovalenko, Olga A. Golodova, Tatyana D. Malyutina, Denis A. Tkachenko
Published in: Perspectives on the Use of New Information and Communication Technology (ICT) in the Modern Economy
Publisher: Springer International Publishing
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Abstract
Subject. Actuality of the topic of the research is explained by growth of popularity of online banking services, which is an attribute of mobility and effectiveness in the conditions of modern information society. Also, threat of the growth of the level of cyber crimes and Internet crimes grows. Unfortunately, modern existing mechanism of protection of customer accounts cannot ensure full protection from unsanctioned access of criminals. This threat makes certain users refuse from online banking and Internet services, which causes inconveniencies and reduces the speed of financial operations. Thus, the subject of this research is economic relations that form in the process of online services and provision of their protection.
Goal/tasks. The purpose of the research is to substantiate the search for effective mechanism of increase of information security of online banking services. According to the set goal, the work formulates and solves the following tasks: analysis of the volumes and effectiveness of customer service with Internet banking; study of dynamics of cyber crimes in Russia; analysis of existing mechanisms of information protection; development of recommendations for their improvement.
Methodology. The authors use the method of statistical analysis, financial analysis, horizontal and vertical analysis of data for analyzing the effectiveness of Internet banking services and statistics of Internet crimes.
Results. In the conditions of unstable development of economy, when the volumes of Internet services grows and cyber crimes take colossal scale – as to the sums of fraud and frequency of cases – the authors try to evaluate and develop new mechanisms of protection of customer accounts.
Conclusions/significance. The value of this work consists in the fact that attention is paid to external theats to banking systems in the conditions of growth of the national payment independence from the external world.