Slavkina M. Economic security of the banking sector of the national economy of Ukraine

According to the results of the research, theoretical and conceptual provisions on the feasibility of studying the multidimensional profile of the economic security of the banking sector in an integrated sense have been developed. The definition of the essence of the category «economic security of the banking sector» was clarified by distinguishing between the categories of «financial» and «economic» security, taking into account the circle of responsible and interested entities. The analysis of the most significant factors influencing the economic security of the banking sector is carried out, as a result of which the main threats that have a negative impact on its level are identified. The analysis and generalization of the existing methods, approaches, models and methods of assessing economic (financial) security is carried out. It is determined that today researchers have not developed a single integrated approach to assessing the economic security of the banking sector. In the course of the study, the structure of the economic security of the banking sector was developed by such components. Approaches to risk assessment of banking activities based on the chosen structure are grounded and expert assessment of risks of the banking sector is carried out. The current state of digitization in different spheres of the national economy and its impact on the economic security of the banking sector are analyzed based on the use of SWOT analysis. Prospects for implementation of digital innovations in banking institutions are described and possible risks for the system of economic security of banks are identified. It has been confirmed that one of the problems with the introduction of digital technologies in banking is the ability of users to master them. A mechanism for raising the level of economic security of the Ukrainian banking sector by forming a financially educated consumer of banking services has been developed. The conceptual provisions for the development of financial education to ensure the security of the banking sector, based on which financial literacy and awareness are seen as a basis and economic security as an add-on, have been further developed. The methodological approach to the assessment and forecasting of systemic risk in the banking sector has been improved, based on the taxonomy and econometric modeling method, which allowed to substantiate the trajectory of changes in the systemic risk value of the banking sector. The methodological approach to the substantiation of the scenarios of formation of the level of economic security of the banking sector, determined according to the methodology of assessing the level of economic security of the state, investigated by means of simulation and econometric modeling. As a result, expedient changes in the values of key indicators have been identified and prospective changes in the level of economic security of the banking sector of the national economy have been forecasted