In the world of today, cases of cyber attacks on banking systems have become more frequent. The aim of this research is to develop methodical and practical recommendations how to eliminate threats of oversight of payment systems, stabilize the protection of participants and users of the payment portfolio of banking institutions against misinformation and fraud. The research proposes a synergistic cyber security model of the SEP of NBU, taking into account the securitization of the payment portfolio of banking institutions in the financial market to prevent threats and meet the needs of participants and users in banking services. The article analyzes the chronology of attacks on the information resources of the NBU and the banking system during the period of martial law in Ukraine, and presents fraudulent targeted attacks “using eidetic of banking institutions of Ukraine. The criteria for the level of cyber security of the SEP of NBU are recommended. The research concludes with a determination of the reference state bank of Ukraine, which has the best combination of the level of securitization of the payment portfolio of banking institutions and the protection of active information resources. The practical significance of this research lies in providing recommendations aimed at improving the stability of cyber security in the SEP of NBU, thereby ensuring the safety of cash transactions in the digital economy.

Highlights

• Necessity of stabilization of cyber security in the System of Electronic Payment of the National Bank of Ukraine (SEP of NBU) in the banking sector is a relevant issue.