Ruxandra RÎMNICEANU1
ABSTRACT: The European Commission’s report on the state of the digital decade 2025, published in June this year, reveals that progress is still needed to achieve the objectives set for the 2030 horizon, in particular in terms of artificial intelligence (AI), the cloud and big data (with 90% of the world’s population expected to be online and a wide range of IoT devices in use). It also states that just over half of Europeans (55.6%) have a basic level of digital skills, while the availability of ICT specialists with advanced skills remains low and the gender gap is significant, while Europe depends on 80% of digital technologies and services from other countries outside the continent. Financial institutions coexist with a wide range of interrelated disruptive threats, such as technical failures, human errors and natural disasters, and cyberattacks are the result of malicious actions by cybercriminals (regardless of their sphere of activity). Added to these are the persistent challenges, such as fragmented markets, overly complex regulations, security and strategic dependence, meaning that the cyber resilience of financial institutions requires strengthening their capacity to prevent, detect and quickly recover from cyberattacks, maintaining their critical functionality and protecting sensitive customer data, in accordance with the incident regulations, as well as intensifying international partnerships to increase opportunities circumscribed by specific activities.
KEYWORDS: cybersecurity, digital operational resilience, digital technologies, systemic risks, cyber resilience.
DOI 10.56082/annalsarscieco.2025.4.41
1 National Bank of Romania, Bucharest, Romania, ruxandra.rimniceanu@bnro.ro
PUBLISHED in Annals Academy of Romanian Scientists Series on Economy, Law, Sociology, Volume 8 no 4, 2025