SECURITY MEASURES AND TECHNICAL REQUIREMENTS FOR DIGITAL BANKS

This text explores the multifaceted approach required to ensure the security of digital banks. It analyzes how digital-only financial institutions must rely on advanced technological infrastructure, secure development practices, and regulatory compliance to protect sensitive customer data and maintain service continuity. The discussion includes the importance of encryption, authentication systems, fraud detection mechanisms, secure APIs, and cloud infrastructure configurations. Emphasis is placed on the necessity of integrating security throughout the system lifecycle, educating users and staff, managing third-party risks, and adhering to evolving legal standards. The text concludes that successful digital banking depends not only on technical excellence but also on building and maintaining customer trust through resilience, transparency, and proactive risk management.