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THE IMPACT OF CYBER THREATS ON THE FINANCIAL SYSTEM ON THE EXAMPLE OF EU COUNTRIES

Exponential growth in the number of cyber frauds in the financial sector and their intellectualization leads to large-scale negative consequences of both financial (loss of funds by financial institutions and their customers, the bankruptcy of financial institutions, lack of tax revenues) and public (theft of personal data of consumers of financial services, reduction the level of business reputation of financial institutions, loss of public confidence in the security and reliability of financial transactions). The study used methods of systematization, comparison, structural analysis, logical generalization, bibliometric analysis (using VOSviewer 1.6.15) and methods of vertical, horizontal, financial, and trend analysis of the data set to assess the dynamics and trends of cybercrime in the financial system of the European Union. To determine the most relevant publications on this issue, the authors conducted a bibliometric analysis of scientific papers indexed by the Scopus database from 2015 to 2021. According to the study results, the expediency of separating 6 clusters by the results of scientific research, the authors of which are represented from 34 countries. The article analyzes the dynamics and trends of cybercrime in the financial sector of the European Union. Cybersecurity measures are summarized in terms of state security agencies, financial monitoring services, the Directorate General of Informatics. Cybersecurity features high on the list of the priorities of the European Commission: trust and security are at the core of the Digital Single Market Strategy, while the fight against cybercrime is one of the three pillars of the European Agenda on Security. The authors of the article emphasize that the development of digital technologies leads to an increase in the scale of cyber threats, which require prompt and timely detection, assessment, and development of appropriate measures to prevent them or minimize the possible consequences. The practical value of the study lies in the use of state regulation, supervision, and control in the development of a system of counteraction to information risks that threaten the public interest.