Features of the Financial Security of the Population of the Russian Federation.

Abstract

Introduction. The analysis of scientific sources on the research topic, regulatory documents, and methodological materials of the Central Bank of the Russian Federation indicates a steady negative trend in the field of financial security for the population. There is a systematic increase in both the number of fraudulent transactions and the amount of stolen funds. The issue of financial security for the population of the Russian Federation becomes particularly relevant in the context of increasing digitalization of financial services, increasing fraudulent transactions, and a low level of financial literacy. Goal. The study aims to analyze the dynamics of fraud operations, identify key threats to financial security, and develop recommendations for their minimization. Materials and methods. The study is based on the works of Russian economists on financial security. It uses a systematic analysis of the regulatory framework of the Bank of Russia and statistical methods to study data from 2022 to 2024. The choice of methods is driven by the need for a comprehensive assessment of the dynamics of fraudulent transactions through the analysis of quantitative indicators and qualitative characteristics. Results and discussion. The study revealed that the volume of fraudulent transactions increased by 94% in 2022-2024, with the greatest increase associated with the use of the Rapid Payment System (RPS). The main types of financial fraud include phone scams, phishing (a type of online fraud where attackers attempt to obtain personal information from victims under the guise of official requests), and computer attacks. It was found that 58% of blocked resources were phishing websites, and individuals were 13 times more likely to become victims than legal entities. Conclusion. In order to minimize fraudulent transactions and reduce fraud activity, the study proposes a comprehensive approach that combines educational, informational, and technological measures that can significantly improve financial security in the long term.