MOSCOW, 13 Jan – PRIME. Cybersecurity risks in the implementation of the digital ruble are similar to the threats that exist with today’s organization of cashless circulation, but a number of new ones may appear, it follows from a study of the opinion of Russian banks, which was at the disposal of RIA Novosti. Banks fear an outflow of funds due to the digital ruble It was organized by the Association of Banks Russia (ADB), 17 banks took part in it, accounting for 57.4% of the total assets of the banking system. In October 2020, the Central Bank announced that it was assessing the possibility of issuing a digital ruble. It can become an additional form of money along with cash and non-cash and will require the creation of additional payment infrastructure. “The majority of respondents generally agree that the same risks are relevant as for non-cash payments using bank accounts and cards, as well as the risks typical for the cryptocurrency segment. Thus, the cybersecurity risks that are seen when introducing a digital ruble on any of the models proposed by the Bank of Russia are similar to the threats that exist in today’s organization of cashless circulation, “the study says. The main risks relevant for online settlements also included the risks of unauthorized access to the client’s electronic wallet, information about the client and its operations. But with the introduction of the digital ruble, new risks may appear, banks say. So, among the listed there is a threat of a weak link (fintech companies, which, as a rule, have an imperfect cybersecurity system, low qualifications of specialists in the field of security, do not follow the principles of secure development). Digital currency has become legal in Russia, but you still cannot pay with it. Any incident with a centralized system tends to have more serious consequences than an incident in a decentralized system. There is a risk of theft of a user profile of a digital ruble through hacking of a personal account or identification errors, as well as fraudulent transactions in offline payments (reuse of the same currency), according to credit organizations. “The view was expressed that the key risk is the commission of fraudulent transactions using social engineering methods. Offline settlements significantly reduce the possibility of detecting and preventing fraudulent payments, and this ‘option’ of the digital ruble will be especially dangerous,” the ADB study says. Along with this, new types of malicious software will appear, the number of attacks using spyware will increase, and hacker groups are stepping up to steal money from “users” of the digital ruble, as well as banks and the payment infrastructure of the digital ruble.