{"id":762,"date":"2024-10-16T06:00:36","date_gmt":"2024-10-16T06:00:36","guid":{"rendered":"https:\/\/sekmesreceptas.lt\/index.php\/2024\/10\/16\/kibernetinis-saugumas-ir-inovacijos-dvigubi-siuolaikiniu-mokejimu-ramsciai\/"},"modified":"2024-10-16T06:00:36","modified_gmt":"2024-10-16T06:00:36","slug":"kibernetinis-saugumas-ir-inovacijos-dvigubi-siuolaikiniu-mokejimu-ramsciai","status":"publish","type":"post","link":"https:\/\/sekmesreceptas.lt\/index.php\/2024\/10\/16\/kibernetinis-saugumas-ir-inovacijos-dvigubi-siuolaikiniu-mokejimu-ramsciai\/","title":{"rendered":"Kibernetinis saugumas ir inovacijos: dvigubi \u0161iuolaikini\u0173 mok\u0117jim\u0173 rams\u010diai"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><\/figure>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/sekmesreceptas.lt\/index.php\/2024\/10\/16\/kibernetinis-saugumas-ir-inovacijos-dvigubi-siuolaikiniu-mokejimu-ramsciai\/#Pasenusios_sistemos_skatina_didejancias_sukciavimo_gresmes\" >Pasenusios sistemos skatina did\u0117jan\u010dias suk\u010diavimo gr\u0117smes<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/sekmesreceptas.lt\/index.php\/2024\/10\/16\/kibernetinis-saugumas-ir-inovacijos-dvigubi-siuolaikiniu-mokejimu-ramsciai\/#Banko_klientai_nori_greitesniu_ir_saugesniu_mokejimu\" >Banko klientai nori greitesni\u0173 ir saugesni\u0173 mok\u0117jim\u0173<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/sekmesreceptas.lt\/index.php\/2024\/10\/16\/kibernetinis-saugumas-ir-inovacijos-dvigubi-siuolaikiniu-mokejimu-ramsciai\/#Siuolaikinis_technologiju_paketas_leidzia_atlikti_greitesnius_ir_saugesnius_mokejimus\" >\u0160iuolaikinis technologij\u0173 paketas leid\u017eia atlikti greitesnius ir saugesnius mok\u0117jimus<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-legacy-systems-feed-rising-fraud-threats\"><span class=\"ez-toc-section\" id=\"Pasenusios_sistemos_skatina_didejancias_sukciavimo_gresmes\"><\/span>Pasenusios sistemos skatina did\u0117jan\u010dias suk\u010diavimo gr\u0117smes <span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank\u0173 ir mok\u0117jimo paslaug\u0173 teik\u0117j\u0173 klientai vis da\u017eniau tampa suk\u010di\u0173 aukomis. 2023 m. beveik 36 % vis\u0173 JAV bank\u0173 klient\u0173 patyr\u0117 tam tikr\u0105 suk\u010diavim\u0105, o 2020 m. buvo prarasta daugiau nei 10 mlrd. USD, ty tris kartus daugiau. Suk\u010diai i\u0161naudoja pasenusi\u0173 sistem\u0173 pa\u017eeid\u017eiamum\u0105 naudodami suk\u010diavimo, s\u0105skaitos per\u0117mimo ir mok\u0117jim\u0173 nukreipimo metodus.<\/p>\n<p>Senoje infrastrukt\u016broje, sukurta prie\u0161 kelis de\u0161imtme\u010dius, tr\u016bksta realiojo laiko apdorojimo galimybi\u0173, reikaling\u0173 veiksmingai aptikti ir su\u0161velninti kibernetines atakas. <\/p>\n<p>\u0160i pasenusi technologija taip pat slopina naujoves ir neleid\u017eia bankams pasi\u016blyti skland\u017ei\u0173 ir saugi\u0173 mok\u0117jim\u0173, kuri\u0173 dabar reikalauja klientai. Tai nustat\u0117 konsultacij\u0173 \u012fmon\u0117 McKinsey <strong>70% bank\u0173 technologij\u0173 biud\u017eeto <\/strong>i\u0161leid\u017eiama pagrindini\u0173 sistem\u0173 prie\u017ei\u016brai, ribojant j\u0173 galimybes greitai reaguoti \u012f kylan\u010dias gr\u0117smes ir diegti naujoves, kad atitikt\u0173 kintan\u010dius klient\u0173 poreikius. Ir tai bankams kainuoja daugiau nei tik prie\u017ei\u016bra. Bankai <strong>sumok\u0117jo daugiau nei 10,4 mlrd. USD baud\u0173 <\/strong>vien d\u0117l neatitikties 2020 m., o didel\u0117 dalis buvo priskirta netinkamoms sistemoms. <\/p>\n<h4 class=\"wp-block-heading\" id=\"h-bank-customers-want-faster-more-secure-payments\"><span class=\"ez-toc-section\" id=\"Banko_klientai_nori_greitesniu_ir_saugesniu_mokejimu\"><\/span>Banko klientai nori greitesni\u0173 ir saugesni\u0173 mok\u0117jim\u0173<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Klient\u0173 pageidavimai d\u0117l greitesni\u0173 mok\u0117jim\u0173 ir geresn\u0117s mok\u0117jimo patirties auga. JAV vis labiau populiar\u0117ja mok\u0117jimai realiuoju laiku. Federalinio rezervo ir PYMNTS tyrimas parod\u0117, kad <strong>62% vartotoj\u0173 <\/strong>jei b\u016bt\u0173 galimyb\u0117, pasirinkt\u0173 momentinius mok\u0117jimus. Pritaikius realiojo laiko mok\u0117jimo sistemas, tokias kaip \u201eThe Clearing House\u201c RTP tinklas, taip pat padaug\u0117jo operacij\u0173. Tinklas apdorotas <strong>82 mln. mok\u0117jim\u0173 <\/strong>antr\u0105j\u012f 2024 m. ketvirt\u012f, daugiau nei 30% daugiau nei per metus. <strong>Zelle, lygiaver\u010di\u0173 (P2P) mok\u0117jimo paslauga <\/strong>pla\u010diai naudojamas JAV, prane\u0161\u0117, kad 2023 m. mok\u0117jimai sudar\u0117 806 mlrd. USD, o tai atspindi i\u0161augus\u012f greitesni\u0173 ir skland\u017ei\u0173 mok\u0117jim\u0173 poreik\u012f. <\/p>\n<p>Ta\u010diau daugelis bank\u0173 vis dar atsilieka, nes priklauso nuo pasenusios infrastrukt\u016bros. Pasenusios sistemos neleid\u017eia \u0161ioms \u012fstaigoms patenkinti klient\u0173 l\u016bkes\u010dius. D\u0117l to fintech ir i\u0161\u0161\u016bki\u0173 bankai, tokie kaip Chime ir Venmo, u\u017epildo sprag\u0105 modernesn\u0117mis ir patogesn\u0117mis mok\u0117jimo platformomis.<\/p>\n<p>Kitas \u0161i\u0173 sistem\u0173 tr\u016bkumas yra nesugeb\u0117jimas palaikyti skaitmenini\u0173 produkt\u0173 ir paslaug\u0173, d\u0117l kuri\u0173 klientai patiria prast\u0105 patirt\u012f, pvz., l\u0117t\u0105 operacij\u0173 apdorojim\u0105 ir ribotas mok\u0117jimo galimybes. D\u0117l \u0161ios prie\u017easties \u0161ioms \u012fstaigoms itin svarbu atnaujinti savo sistemas. Bankai, si\u016blantys geresn\u0119 klient\u0173 patirt\u012f <strong>gali augti tris kartus grei\u010diau <\/strong>nei konkurentai, kurie to nedaro. Vienos apklausos metu nustatyta, kad daugiau nei pus\u0117 klient\u0173 teig\u0117, kad pakeist\u0173 konkurent\u0105, jei susidurt\u0173 su nepatenkinamai. <\/p>\n<h4 class=\"wp-block-heading\" id=\"h-a-modern-tech-stack-enables-faster-more-secure-payments\"><span class=\"ez-toc-section\" id=\"Siuolaikinis_technologiju_paketas_leidzia_atlikti_greitesnius_ir_saugesnius_mokejimus\"><\/span>\u0160iuolaikinis technologij\u0173 paketas leid\u017eia atlikti greitesnius ir saugesnius mok\u0117jimus<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Modernizavimo prana\u0161umas yra galimyb\u0117 integruoti AI ir ML, siekiant pagerinti kibernetin\u012f saugum\u0105 ir suk\u010diavimo prevencij\u0105. Suk\u010diavimas gali b\u016bti aptiktas realiu laiku, identifikuojant \u012ftartinus modelius prie\u0161 \u012fvykstant nes\u0105\u017einingai veiklai. Pavyzd\u017eiui, <strong>JPMorgan Chase <\/strong>investavo \u012f AI pagr\u012fstas suk\u010diavimo aptikimo sistemas, kurios stebi operacijas realiuoju laiku, kad nustatyt\u0173 anomalijas ir \u012ftartinus modelius. <\/p>\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:99%\"><span class=\"wp-block-paragraph\"><\/p>\n<p style=\"font-size:16px\">Dirbtinio intelekto pagr\u012fstos priemon\u0117s yra labai svarbios siekiant suma\u017einti suk\u010diavimo mok\u0117jim\u0173 rizik\u0105, kuri i\u0161lieka viena i\u0161 svarbiausi\u0173 problem\u0173 pramon\u0117je. \u201eLexisNexis\u201c prane\u0161a, kad \u0160iaur\u0117s Amerikos finans\u0173 \u012fstaigos patiria vidutini\u0161kai 4,41 USD su suk\u010diavimu susijusi\u0173 i\u0161laid\u0173 u\u017e kiekvien\u0105 d\u0117l suk\u010diavimo prarast\u0105 doler\u012f, o tai pabr\u0117\u017eia, kad reikia imtis grie\u017et\u0173 kovos su suk\u010diavimu priemoni\u0173.<\/p>\n<p><\/span><\/div>\n<\/div>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/gfmag.com\/technology\/cybersecurity-and-innovation-the-twin-pillars-of-modern-payments\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pasenusios sistemos skatina did\u0117jan\u010dias suk\u010diavimo gr\u0117smes Bank\u0173 ir mok\u0117jimo paslaug\u0173 teik\u0117j\u0173 klientai vis da\u017eniau tampa suk\u010di\u0173 aukomis. 2023 m. beveik 36 % vis\u0173 JAV bank\u0173 klient\u0173 patyr\u0117 tam tikr\u0105 suk\u010diavim\u0105, o 2020 m. buvo prarasta daugiau nei 10 mlrd. USD, ty tris kartus daugiau. Suk\u010diai i\u0161naudoja pasenusi\u0173 sistem\u0173 pa\u017eeid\u017eiamum\u0105 naudodami suk\u010diavimo, s\u0105skaitos per\u0117mimo ir mok\u0117jim\u0173 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":763,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[3],"tags":[1272,1271,1269,1274,1275,1270,1273],"class_list":["post-762","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansai","tag-dvigubi","tag-inovacijos","tag-kibernetinis","tag-mokejimu","tag-ramsciai","tag-saugumas","tag-siuolaikiniu"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/posts\/762","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/comments?post=762"}],"version-history":[{"count":0,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/posts\/762\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/media\/763"}],"wp:attachment":[{"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/media?parent=762"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/categories?post=762"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sekmesreceptas.lt\/index.php\/wp-json\/wp\/v2\/tags?post=762"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}