Innovation technology and cyber frauds risks of neobanks: gravity model analysis

In the system of global information space, it is important to adequately calculate and assess factors successful functioning banking system, which are directly engines country's development, economic stability, especially from standpoint qualitative measurement innovative technology human capital in rapid cyber fraud. The work devoted studying that describe components efficiency potential use technologies neo-banking 90 countries determine level risk their for money laundering based on gravitational modeling methodology. authors substantiated using four consisting 13 digital evolution expedient. Three indicators (access infrastructure, transaction fulfillment infrastructure) allowed forming supply condition factor. It provides a score developing physical infrastructure ensure system's quality. «demand conditions» factor consists 4 (human quality level, device absorption broadband payment absorption), show how much consumers willing able participate whether they have tools skills needed connect economy. (institutional effectiveness trust, institutions business environment, ecosystem) shaped «institutional environment» relates research countries' support legislation, governments' investment digitalization, regulations. Regulate storage access data. fourth «innovation change» three features characterize state key inputs (talents capital), processes (i.e., cooperation between universities industry), outputs new scalable products services). generalized indicator was formed these indicators. characterizes degree services neobanks studied by agents or individuals legalize criminal proceeds. At first stage proposed method, statistical significance possibility procedure logarithmic normalization carried out. toolkit descriptive statistics Statgaphics Centurion package provided parameters. second stage, were collapsed geometric weighted average, meaningful about average dynamics rate. third calculating value integrated rating assessment technologies, services, neobanking gravity methods. findings showed 12.22% had high risk, 25.56% – medium below 36.66% almost absent.