THE ECONOMIC IMPACT OF CYBERSECURITY BREACHES IN THE ERA OF INTELLIGENT FINANCIAL SYSTEMS

Abstract

In the era of intelligent financial systems, cybersecurity breaches have emerged as one of the most critical challenges affecting global economic stability and institutional trust. This study explores the multifaceted economic consequences of cybersecurity incidents, focusing on their impact on financial markets, digital banking, and investment infrastructures. The research analyzes how data breaches, ransomware attacks, and algorithmic manipulations influence both microeconomic and macroeconomic dynamics. Special attention is given to the relationship between artificial intelligence–driven financial systems and the growing complexity of cyber threats. The findings reveal that cybersecurity breaches not only cause direct financial losses but also disrupt market confidence, weaken investor behavior, and hinder innovation in digital finance. Preventive measures such as advanced encryption, machine learning–based threat detection, and adaptive cybersecurity frameworks are discussed as strategic solutions to mitigate economic risks in the digital financial ecosystem.