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ORIGINAL PAPER
Key determinants of the growing importance of digitization and cybersecurity in economic processes and e-banking in recent years
1
WSGE University of Applied Science in Józefów
2
Fire Academy in Warsaw,
Institute of Internal Security
3
Cardinal Stefan Wyszynski University in Warsaw
4
Department of Management,
Kozminski University
5
Cardinal Stefan Wyszynski University in Warsaw,
Faculty of Law and Administration
Submission date: 2026-05-17
Acceptance date: 2026-10-13
Publication date: 2026-10-29
JoMS 2026;67(3):366-397
KEYWORDS
digitizationinformation technologiesinternet bankingcybersecuritycybercrimeartificial intelligencee-banking
TOPICS
ABSTRACT
Objectives:
The article aims to identify and analyze key determinants of the growing importance of economic digitalization, e-banking, and cybersecurity. It also examines the relationships between ICT development, Industry 4.0, artificial intelligence, and the transformation of business models in enterprises and financial institutions.
Material and methods:
The study employed critical literature analysis, comparative analysis of secondary data, and a systemic approach. Scientific publications, industry reports, and studies on digital transformation and cybersecurity were examined using an interdisciplinary perspective.
Results:
The findings indicate that cloud technologies, mobile solutions, and AI systems are major drivers of digitalization and e-banking development. Accelerated digital transformation has strengthened e-commerce and electronic services while simultaneously increasing exposure to cyber threats and the need for advanced cybersecurity systems.
Conclusions:
The growing role of digitalization and cybersecurity is structural and long-term in nature. The integration of technological innovations with comprehensive cyber risk management strategies is becoming essential for competitiveness, resilience, and sustainable development in the digital economy.
The article aims to identify and analyze key determinants of the growing importance of economic digitalization, e-banking, and cybersecurity. It also examines the relationships between ICT development, Industry 4.0, artificial intelligence, and the transformation of business models in enterprises and financial institutions.
Material and methods:
The study employed critical literature analysis, comparative analysis of secondary data, and a systemic approach. Scientific publications, industry reports, and studies on digital transformation and cybersecurity were examined using an interdisciplinary perspective.
Results:
The findings indicate that cloud technologies, mobile solutions, and AI systems are major drivers of digitalization and e-banking development. Accelerated digital transformation has strengthened e-commerce and electronic services while simultaneously increasing exposure to cyber threats and the need for advanced cybersecurity systems.
Conclusions:
The growing role of digitalization and cybersecurity is structural and long-term in nature. The integration of technological innovations with comprehensive cyber risk management strategies is becoming essential for competitiveness, resilience, and sustainable development in the digital economy.
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