Development of comprehensive frameworks for managing operational risks in digital banking channels
Posted: Jun 03, 2025
Abstract
The rapid evolution of digital banking channels has fundamentally transformed the financial services landscape, creating unprecedented operational risk challenges that traditional risk management frameworks are ill-equipped to address. Digital banking channels, including mobile applications, online platforms, API-based services, and emerging technologies such as open banking interfaces, present complex risk vectors that operate across multiple dimensions simultaneously. Conventional risk management approaches, largely derived from physical banking environments, fail to capture the dynamic, interconnected nature of digital risk ecosystems. This research addresses this critical gap by developing a comprehensive framework that integrates quantum-inspired computational methods with behavioral analytics to create a more responsive and adaptive operational risk management system.
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