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ПInРtЕheТfПocРusИЕМАЧ ПРЕТПРУРБИРЕИМКААЧ
(photo: http://informationcells.com/)
authorities and boards; b) permanent that the activities related to e-bank-
control of security in e-banking and a ing do not contribute for the emer-
written documentation for all e-bank- gence of new risks, rather they simply
ing transactions and activities and c) modify and intensify the traditional
management of legal and reputation risks, which can have a significant
risk in e-banking. impact on the overall risk portfolio of
banks. The technological complexity
Today the penetration of the Inter- of the activities related to e-banking,
net gains ground. In accordance with as well as their quick development
the EU agenda, it is expected to make significantly affects the intensifica-
investments of 11 billion Euros in the tion of the strategic, the operative
ICT sector by 2020, and by 2015 the and the reputation risk. The applica-
regular use of Internet is expected to tion of more modern ICT in banking
increase by 75%, that is, to half the operations increases the efficiency in
population that never used internet risk management in the direction of
from 30% to 15%. In this direction, their timely identification and mini-
the fast development and the applica- mization. Engaging new processes
tion of e-banking will bring contribu- and technologies for protection of
tions, however at the same time they the information systems (against un-
will bring risks. The risks in e-bank- authorized takeovers, manipulations,
ing will have to be timely identified, modifications or damages), banks can
controlled and appropriately man- significantly contribute for the reduc-
aged by the banking institutions. The tion or eventual complete elimination
field research (especially the research of the consequences of the action of
conducted by the Basel Committee on individual risks on their operations.
Banking Supervision) has confirmed
May 2016 51
