Dominova I. Electronic banking risk management

The dissertation deals with theoretical approaches to the definition of the concept of “electronic banking” and presents the periodization of the development of electronic banking forms. It summarizes the economic essence of the risks of electronic banking and the author’s classification of risks of electronic banking services. The necessity of building a high-quality system of risk management of electronic banking services in conditions of the digital economy is substantiated in the text. In the dissertation, the author develops methodological approaches to the identification and evaluation of the operational risk of electronic banking and analyzes fraud patterns through electronic forms. The author designs a unique model for assessing the risk of losing business reputation by banking institutions offering electronic banking services and carried out its pilot testing for TOP-20 banks of Ukraine rated according to the size of assets. The author substantiates the ways of improvement of the electronic banking risk management system as a result of the implementation of "The three lines of defense" model, and forward - "The four lines of defense." The work proves the feasibility and effectiveness of cooperation between banks and outsourcing companies for minimizing the operational risk of electronic banking. It was evaluated how effectively banking institutions manage the electronic banking risks using a standard-index model, constructed on the basis of nonparametric statistical methods.