Problems of digital financial services cybersecurity

Problems of digital financial services security are regarded in the article. As many digital financial services function exclusively in online-format, additional risks, connected with cyberbullies attacting security systems appeared. Pandemia and forced quarantine of the last three years made many users to realize transfers and payments remotely. At the same time, the number of thefts from customer’s accounts of has grown as well. Existing cybersecurity systems react, as a rule, just to the fact of the thefts and appearance of new fraudulent schemes. Now it is not enough, it is necessary to predict possible attacts of the scammers, as low level of refund of stolen amounts let cyberbullies finance their shadow activity further. Therefore it is necessary to form a new approach to constructing security system. As such an approach the ontology method is proposed. It can present the entire mechanism of the transaction in detail and detect a vulnerability in the existing system in advance.