DOI: 10.33917/es-2.200.2025.104-109

The article examines fundamental causes of fraud in the financial sector based on global practice and Russian experience in fighting cybercrimes. Growing indicators prove ineffectiveness of all measures taken, including restrictions imposed by states. The issue can be resolved only by turning to the alpha and omega of economic science — to a man or more precisely to a human capital, which the author in his previous studies, based on works of the Soviet cybernetic school, have defined not only as knowledge, talents and abilities, but also as directed thinking algorithms. These algorithms now have become the main object of appropriation. Banks, IT-corporations, telecom operators and fraudsters compete for them in order to control a person and induce him to transfer his financial resources or his data for their appropriation by fraudsters.

References: 

1. Rezul’taty ezhegodnogo vserossiyskogo sotsiologicheskogo monitoringa “Finansovaya gramotnost’ rossiyan — 2024” [Results of the Annual All-Russian Sociological Monitoring “Financial Literacy of Russians — 2024”]. Analiticheskiy tsentr NAFI, Moscow, 2024, available at: https://nafi.ru/upload/iblock/9bd/9bd4081

a5c55f503ab6610296892ed2a.pdf?utm_referrer=https%3A%2F%2Fdzen.ru%2Fmedia%2Fid%2F5d41a1ee8da1ce00afb2d1e5%2F66c5dd22a7321d7404b4c06e

2. Alekseevskikh A. “Rodstvennik popal v bedu”. Novye skhemy moshennichestva i layfkhaki dlya rossiyan [“A Relative Got into Trouble.” New Fraud Schemes and Life Hacks for Russians]. Gazeta.ru, 2024, 6 sentyabrya, available at: https://www.gazeta.ru/amp/business/2024/09/06/19704493.shtml

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https://doi.org/10.1016/j.procs.2020.01.057

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https://doi.org/10.14201/ADCAIJ2016535561

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7. Pokida A.N., Zybunovskaya N.V. Razlichiya v povedencheskikh praktikakh po sokhraneniyu i ukrepleniyu zdorov’ya sredi rabotnikov umstvennogo i fizicheskogo truda [Differences in Behavioral Practices for Maintaining and Improving Health Among Mental and Physical Workers]. Zdorov’e naseleniya i sreda obitaniya — ZNiSO, 2022. № 9. S. 18–28. DOI: https://doi.org/10.35627/2219-5238/2022-30-9-18-28

DOI: 10.33917/es-1.193.2024.93-99

The article dwells on relationship between the self-sufficiency of citizens and the self-sufficiency of socio-economic systems (hereinafter referred to as SES) at any level – from a company to a municipality, region and the state. It is shown that equal, self-sufficient states constitute the basis of a multipolar world. On the example of different countries, in particular the USA, it is shown that lack of self-sufficiency of citizens causes large external debt, the risk of reducing self-sufficiency of the state and, as a consequence, its destruction. Through the prism of self-sufficiency of citizens, the author shows the logical result to which Russian Federation is moving and to which it will arrive if it doesn’t change its monetary policy.

Based on her work experience as an expert, the author focuses on consciousness as an economic-cybernetic category and selfsufficiency as a reproductive (economic) function built into human nature to realize human potential.

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