CYBER CRIMES, FINANCIAL OFFENSES AND LEGALIZATION OF CRIMINAL INCOME IN THE CONDITIONS OF DIGITALIZATION OF UKRAINE'S ECONOMY

Digitalization of the economy is identified as one leading and priority fields Ukraine's development. The complexity development new information technologies leads to methods approaches economic financial activities. But despite significant useful effects digitalization, preferable conditions are also created for criminals. It becoming easier launder money, commit fraud with instruments create opportunities cybercriminals. These processes lead a detailed analysis determinants criminal activity that has greatest impact on economy. simulation identifies trends in relationship cybercrime, offenses money laundering generalized characteristics fintech development, number reports suspicious transactions submitted SCF level key areas activity: banks, insurance companies stock exchanges. study direction extent monitoring activities banking institutions, exchanges, cybercrimes laundering. MAR-spline models interdependence between regressors regressions were built. adequacy constructed checked confirmed. advantage determines possibility calculating limit values factor features. presence influence features traced either only until achievement certain threshold or when these exceeded. Some had multiplier effect resulting offenses. practical application FinTech spline model innovation cybercrime through institutions will benefit both intermediaries users system, well government regulators supervisors. Such can be interesting international organizations, investors developers regulatory standards, other scientists conducting research this area.