Increase of economic security of internet systems of credit organizations

Abstract

Goal: The purpose of the article is to evaluate the systems of economic security of credit organizations and to increase its effectiveness by implementing new innovational methods. For this, evaluation of the situation with information fraud was performed, analysis of the situation with unsanctioned operations with bank cards was conducted (according to the Bank of Russia for the recent three years), and dynamics of unsanctioned accesses to accounts of financial establishments’ customers were tracked. Growth of popularity of Internet banking leads to growth of the number of cyber attacks on web-sites of credit and financial organizations, so in order to reduce the risk of hacking of customers’ accounts, banks have to update their security systems. Innovational tools of identification will allow for precise recognition of each customer and for minimization of risks of unsanctioned access. Methodology: The research is performed with application of the methods of graphic presentation of information, trend analysis, and the methods of comparison, analogy, and systematization. Results: According to peculiarities of formation of the information economy model, we considered the main directions of development of cybercrimes and analyzed statistics and dynamics of fraud in Internet environment. For increasing economic security of the systems of Internet banking, implementation of the tools of biometric identification of person is offered. This mechanism will allow for precise and effective recognition of customers by unique biological parameters and for exclusion of the probability of assigning the password or pass key. This system will also allow saving bank’s resources for manufacture of electronic keys and passwords. Recommendations: the studied directions of increase of security of Internet systems of credit organizations allow expanding the possibilities of remote banking services. Implementation of biometric indicators for personalized identification of account holder will allow for maximum reduction of the risk of unsanctioned access to customers’ accounts. The directions of development of the systems of economic and information security of credit and payment operators could be used as methodological guides for further optimization of remote financial services.