The impact of digital lending on financial inclusion and cyber risks in lending operations

The article is dedicated to analyzing the impact of digital lending on financial inclusion and identifying cyber risks associated with lending operations. With the growing popularity of online lending, both advantages and serious threats arise for borrowers and lending institutions. Key aspects such as data vulnerability, fraud, unsecured lending, and technical failures are discussed. The authors emphasize that despite the positive effects of digital technologies on the accessibility of financial services, measures must be taken to minimize cyber risks and protect the interests of all participants in the process.