On the issue of the security of bank payments in modern Russian practice

he interaction of the banking sector with the external environment (which is not always favorable) determines the possibility of new threats, financial losses and, as a result, the need to use tools to ensure the security of bank payments. Its development is a priority task for the banking community and falls within the sphere of interests of each participant in the settlement and payment segment. In this publication, a dynamic and factor analysis of the number and volume of fraudulent transactions with bank customers' funds is carried out. It is possible to reduce their number thanks to the joint actions of IT specialists and employees of the security services of banks, telecom operators, law enforcement agencies, and the regulator. To achieve greater efficiency in protecting client funds, the entire arsenal of available methods should be used, starting from the simplest, such as training in selfsecurity skills, and ending with complex scientific, methodological and technological methods.