PhD, Associate Professor of the Banking Department of Kyiv National University of Trade and Economics
INFORMATION SECURITY IN THE PROTECTION SYSTEM OF FINANCIAL SERVICES CONSUMERS
Background.The rapid implementation of the information sphere in the modern economy raises important questions regarding the balance of protection of providers and consumers of financial services. Consequently, the notion of information security as an area of knowledge is rapidly becoming important due to the need to counter information threats, including to financial services consumers.
Analysis of recentstudies and publications has shown that though information security has been researched, an outstanding scientific and practical problem regarding the understanding of the essence of information security of financial services consumers remains.
The aim of the article is to formulate theoretical basis for the perception of the definition of information security of financial services consumers, investigate the economic essence of the following concepts: information security, informatization, information, information protection in view of information security of financial services consumers, to justify the postulates of information security of financial services consumers.
Material and methods.In the process of research, methods of comparison, generalization, statistical analysis, and systematization were used.
Results.Definition Information security of financial services consumers is formulated as an information security of the continuous operation of financial assets, taking into account the achievement of an acceptable level of profitability and maintaining the threshold level of risk by the stakeholders of such services. The postulates of information security of consumers of financial services: information security culture and information technologies as part of the postulates of protecting the rights and interests of consumers of financial services "united responsibility" and "formalization" are grounded.
Conclusion.Unlike existing publications, the definition of information security of financial services consumers is formulated for the first time and the interpretation of its postulates such as information security and information technologies is given, which provides the possibility of scientific perception of practical aspects of the modern information sphere.
The presented conceptual provisions require further scientific research in the field of formation of the information security culture of financial services consumers, simultaneously with the development of information technologies, which will provide information security for the continuous circulation of financial assets.
Keywords:information security, consumer of financial services, system of protection of rights and interests of consumers of financial services, united responsibility and formalization postulates, information security culture, information technologies.
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