State of the Art in Risk Management in Digital Banking Due to Fraudulent Appropriation of Electronic Devices

The advance of information technology together with the growing use of technologies has brought considerable changes in several sectors, allowing greater accessibility to information and improving productivity and performance in companies, as in the financial sector, which has facilitated fast transactions, which can be very sensitive for users and organizations, and therefore, the failure to consider computer security measures that can manage and prevent risks of loss, attack, or violation of information by fraudulent appropriation by criminals who take advantage of these systems, thus compromising the loss of financial assets and the violation of compromising information for companies. A state of the art will be presented with the mechanisms and methods that exist for banks and inherent financial sectors that present ways to control these vulnerabilities by criminals, analyzing and detailing the methods, generating an analytical framework for users who require this information in the field of cybersecurity. Among the results, multifactor authentication, suspicious activity monitoring, layered security, and user behavior analysis are highlighted.