Importance Due to the use of computer technologies by credit institutions their operational risk is growing. The main task of operational risk management is to streamline banking business processes. The article examines relationships of sources, types and consequences of operational risk in e-banking. Objectives The study aims to analyze operational risk associated with increased access to financial services and develop methods to improve operational risk management in e-banking systems. Methods We employ general scientific methods of cognition, like analysis, synthesis, induction, deduction, and analogy, certain techniques of systems analysis of scientific literature on theoretical and applied research, and a graph method to interpret investigated phenomena. Results Based on reviewed laws and regulations, statistical reports, works of domestic and foreign specialists in banking risk management, we formulate methods for improving the operational risk management in electronic banking systems and recommendations on how to reduce this risk. Conclusions and Relevance The findings may be useful for scientists studying operational risk inherent in remote banking.
Zinkevich V.A., Kozyreva N.A. Upravlenie operatsionnym riskom v banke: metodologiya, praktika, rekomendatsii [Operational risk management in the bank: Methodology, practice, recommendations]. Moscow, Reglament-Media Publ., 2014, 264 p.
Daryakin A.A., Andriashina S.G. Problems of Evaluation and Management of Operational Risks in Banks. Procedia Economics and Finance, 2015, vol. 24, pp. 156—165. URL: https://doi.org/10.1016/S2212-5671(15)00637-1
Lyamin L.V. [Principles of internal audit organization in electronic banking]. Bankovskoe delo = Banking, 2012, no. 5, pp. 51—54. (In Russ.)
Revenkov P.V. Finansovyi monitoring v usloviyakh internet-platezhei [Financial monitoring in the internet-based payment service area]. Moscow, KNORUS, TsIPSiR Publ., 2016, 64 p.
Evseev V.L., Ivanenko V.G., Leonov N.R. [Requirements of regulations on organization of high-tech production of information security equipment]. Bezopasnost' informatsionnykh tekhnologii = IT Security, 2014, no. 1, pp. 59—60. (In Russ.)
Berdyugin A.A. [Security of users of the electronic banking]. Nauchnye zapiski molodykh issledovatelei, 2017, no. 2, pp. 53—57. (In Russ.)
Yudenkov Yu.N., Pashkov R.V. [Methodological problems of surveillance and control of commercial banks]. Audit = Audit, 2017, no. 4, pp. 6—10. (In Russ.)
Volkov A.A. Upravlenie riskami v kommercheskom banke: prakticheskoe rukovodstvo [Risk management in commercial bank: A practical guide]. Moscow, Omega-L Publ., 2015, 156 p.
Dvoryankin S.V., Zharkoi R.M., Minaev V.A. [Safe City: Intelligent Technologies]. Spetstekhnika i svyaz' = Special Equipment and Communications, 2010, no. 2-3, pp. 23—30. (In Russ.)
Barakat A., Ashby S., Fenn P. The reputational effects of analysts' stock recommendations and credit ratings: Evidence from operational risk announcements in the financial industry. International Review of Financial Analysis, 2018, vol. 55, pp. 1—22. URL: https://doi.org/10.1016/j.irfa.2017.10.011
Revenkov P.V., Berdyugin A.A. [Social Engineering as a Source of Risks in Online Banking Services]. Natsional'nye interesy: prioritety i bezopasnost' = National Interests: Priorities and Security, 2017, vol. 13, iss. 9, pp. 1747—1760. URL: https://doi.org/10.24891/ni.13.9.1747 (In Russ.)
Malyuk A.A. Global'naya kul'tura kiberbezopasnosti [Global culture of cybersecurity]. Moscow, Goryachaya liniya — Telekom Publ., 2017, 308 p.
Sychev A.M. [Cyberattacks: Myth or Reality]. Finansy Bashkortostana = Finance of Bashkortostan, 2017, no. 1, pp. 61—65. (In Russ.)
Krylov G.O., Kurilo A.P., Larionova S.L. [Information security of the national payment system of Russia]. Innovatsii i investitsii = Innovations and Investments, 2016, no. 8, pp. 140—147. (In Russ.)
Shamraev A.V. [Legal regulation of international trusts]. Zakon = Law, 2014, no. 12, pp. 104—110. (In Russ.)
Barngol'ts S.B., Gryaznova A.G. [Bank audit and its role in reducing bank risks]. Den'gi i kredit = Money and Credit, 1997, no. 10, pp. 20—28. (In Russ.)