The article deals with the prototyping of an information system for intrabank monitoring of transactions related to money laundering. It has been proven that the automation of financial monitoring system would increase the bank’s efficiency due to examining all bank transactions without exception, leveling the human factor, maximizing the speed of identifying suspicious transactions, which will provide the bank management with the possibility to reduce reputational risk and minimize losses related to paying penalties imposed by regulatory agencies. It has been established that the prototype of the information system for monitoring transactions related to money laundering through banks should consist of a model of the business process monitoring in an automated system environment, a DFD model of automated monitoring of banking transactions, a structural database model, user interface forms and the logic of validation business rules. The resulting methodological and practical developments are a universal component of the financial monitoring system of any bank since they have the opportunity to transform and adapt to new standards for reporting entities or differentiation of the business processes of a bank.
A current task is to provide the economic security of any country in the context of creating effective and reliable measures of the banking cybersecurity system against money laundering. First of all, it relates to the fact that the money laundering processes and financing of terrorism negatively influence the economy of any country and reduce the economic security level. Secondly, the high level of money laundering in the country promotes the emergence of such negative processes as corruption, extortion, drug production, people smuggling, gangsterism, terrorism, which leads to an increase of the crime situation in the country and endangers the lives of the population. Thirdly, the existing cybersecurity measures of banks do not affect the security of transactions in a timely manner to identify funds obtained illegally. Therefore, exactly this aspect is required changes and modernization in order to accomplish the task. The aim of the article is to develop the innovative scientific and methodic approach to the country’s attractiveness modelling for proceeds laundering by other countries. This technique is one of the tools of the bank’s cybersecurity system for making further decisions regarding the risk of legalization. In order to solve this problem authors suggest the approach, which is based on gravity modelling. Eight factors: Gross Domestic Product per capita, Claims on the central government, Internally displaced persons, associated with conflict and violence; Automatic Exchange of Information; Corruption Perceptions Index; Global Terrorism Index; Legatum Prosperity Index; Happy Planet Index are proposed to be evaluated using the expert approach to implement the above approach. Then the integral indicator is calculated using the Minkowski metric and taking into account the factors normalization. Using the gravity model, the country’s attractiveness degree considering is defined for proceeds laundering on the part of another country. Data for 105 countries are used for calculation and results for Ukraine, Poland and Germany are represented. As a result, we can see that developed countries with high welfare level are attractive for developing countries for money laundering, countries with low welfare level, low economic development and unstable political situation are attractive for the developed countries. The proposed methodology is recommended to be introduced in the activity of banks' cybersecurity systems. It will allow identifying transactions of those countries for which the risk of legalization is high and introduce additional monitoring to regard the legitimacy of their financial sources. In addition, it is expedient to use the model in the activities of the country’s regulatory authorities, which will promote the introduction of cybersecurity standards and increase the ethics of financial relations between countries. Keywords: cybersecurity, money laundering, gravity modelling, country attractiveness, risk, expert approach, normalization, Minkowski metric.
In modern world, the digitalisation of financial relations, the development of innovative technologies, and the emergence and use of cryptocurrencies for payments lead to an increase in the number of cyber frauds in the financial sector and their intellectualisation, increasing the illegal outflow of funds abroad. Ineffective decisions and inaction in counteracting these threats lead to large-scale negative consequences of both financial and social nature. The purpose of this study is to implement economic and mathematical modelling of the effectiveness of the national system for combatting cyber fraud and legalisation of criminal proceeds, which is based on the use of survival analysis methods. The study provides a bibliometric analysis of publications on the effectiveness of cyber fraud and combatting the legalisation of illegal funds, by building a bibliometric map of keywords, using VOSviewer software. This allowed identifying 7 clusters of basic categories of cyber fraud analysis, and changes in the vectors of research scientists showed a visual map of the contextual-temporal measurement of research into the effectiveness of cyber fraud in the publications of the Scopus database. The paper examines the effectiveness of the national system for combatting cyber fraud and money laundering based on survival tables. As a result of the study, the effectiveness of the national system for combatting cyber fraud and money laundering was analysed based on the Kaplan-Meier method. The study identified the dependences of the effectiveness of the national system for combatting cyber fraud and legalisation of criminal proceeds on the time interval after the discovery of violations. The practical value of applying the developed model is to form an analytical basis for further management decisions by the National Bank of Ukraine, the State Financial Monitoring Service, and the Security Service of Ukraine in terms of the effectiveness of the national system to combat cyber fraud and legalisation of criminal proceeds and the need to adjust it
Abstract. The article is devoted to the problems of the development of a system for combating the legalization of income obtained illegally in the context of digitalization of banking activities. The concept of the effectiveness of the anti-money laundering system was considered. The expediency of using the utility approach for modeling the effectiveness of the system for combating money laundering has been determined. The indicator of the effectiveness of the system of combating money laundering was chosen as the share of indictments sent to the court in the total number of criminal offenses for which pre-trial investigation was carried out in the corresponding period. The first alternative of choice — the focus on the development of identifying suspicious financial transactions is characterized by the indicator Share of criminal offenses for which pre-trial investigation was carried out per one transaction report submitted to the State Financial Monitoring Service. The second alternative of choice — the development of innovative technologies, is characterized by the indicator of the Level of digitalization of the economy. The input data are the indicators on the crime rate in Ukraine, the work of the pre-trial investigation bodies, obtained from the State Financial Monitoring Service of Ukraine, the General Prosecutor's Office of Ukraine and the State Statistics Service of Ukraine, suspicious financial transactions and the number of Internet subscribers. On the basis of the calculated autocorrelation coefficients of zero differences and determination of their statistical significance, a nonlinear function of the relationship between mictoramas was selected. Using the Stone-Geary utility function, which for the selected input data took the form of a Cobb-Douglas power function, the degree of response of alternative approaches to improving the effectiveness of the system of combating criminal proceeds was determined. The degree of digitalization of the economy has a high level of elasticity. Therefore, to increase the effectiveness of the system of combating money laundering, it is necessary to develop innovative information technologies in the field of FinTech. Keywords: bank, countering the legalization of criminal proceeds, the utility function of Stone-Geary, the Cobb-Douglas function, the effectiveness of combating the legalization of criminal proceeds, the digitalization of the economy. JEL Classification C49, O17, O33, G21, G14 Formulas: 4; fig.: 5; tabl.: 0; bibl.: 32.
The paper emphasizes the importance of human health as the most valuable, most important resource at the individual and national level, affecting the country’s socio-economic development and competitiveness. It states that it is necessary for the actors ensuring the public health system to form a new concept for the functioning of the health system, taking into account the current state of public health, the functioning of medical institutions, and the resource support of the healthcare industry. The primary purpose is to conduct a bibliometric analysis of scientific publications dealing with the global behavioral and social dimension of the public health system. The systematization of literary achievements and approaches to solving this problem has been carried out, which indicates the need for proper attention and high-quality, conceptual, international research by world scientists on issues related to the state and level of public health, satisfaction with the healthcare system. The relevance of the analysis of research on the behavioral and social dimension of the public health system of the world implies that the further development of the healthcare industry necessitates research, intensive development, and dissemination of available scientific and methodological international experience in solving this issue of the public health system in different countries worldwide. The research consisted of four stages. A map of the interrelationships of key concepts with other scientific categories has been constructed; a content-contextual study of the constructed blocks of bibliometric analysis has been implemented; an inter-cluster analysis has been carried out. A map of the interrelationships of the key concepts under study with other scientific categories has been constructed, reflecting the dynamics in the form of a contextual-time block; the evolutionary-time prospects of the study have been determined. A geographically extensive map of the scientific bibliography of the categories under study has been constructed; the spatial component of the study has been analyzed. A territorially branched map of the spatio-temporal dimension of the category under the study in dynamics has been constructed. The methodological tools of the research are theoretical (grouping, abstraction, synthesis) and empirical methods (observation, description), research methods, services of the Scopus information platform, and VOSViewers tools.1.6.15. The study was conducted based on the publications indexed by the Scopus database for 2000-2020. The objects of research were the following scientific categories: “health care system, medical services, behavioral aspect, social aspect,” the countries United States, Germany, Norway, Greece, United Kingdom, Australia, Canada, India, Netherlands, China, Brazil, Switzerland, Denmark, Belgium, Iran, Japan, Italy, Spain, because these two groups of objects allowed to conduct two-directional analysis of the problem under study. The results of the bibliometric analysis presented in the paper showed that the aspect of the behavioral and social dimension of the public health system was relatively young and insufficiently developed; the attention of the scientific community for a long time on this issue was mainly concentrated in the United States and the United Kingdom. China, Iran, and Japan were less involved in this process at an earlier time interval, but this research became relevant for them in recent years. The study results can be used to identify the most potential priority areas for forming the policy and strategy of the state health system, based on determining the main significant, modern, relevant characteristics of the healthcare industry.
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