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The world is fundamentally changing , which leads to dramatic changes in opportunities and risks. In this regard, banks are facing three interrelated fundamental changes. First, the digital revolution has drastically increased the availability and use of data and the speed of decision-making. Second, technological innovation accelerates changes in the competitive and consumer environment in which banks operate. Finally, hyperconnection multiplies the speed of information flow and reshapes the way people think and act, influencing the nature of a bank’s relationship with its customers and other stakeholders. The unprecedented speed of change and the high degree of uncertainty suggest the need to introduce different approaches to risk. For banks and other financial institutions, threats arise inside and out, ranging from inappropriate and illegal behavior by employees, to sophisticated cybercrime, trade wars and climate change. As a result, risk functions need to become more dynamic and flexible, they need to help guide institutions through a complex and changing environment of opportunities and risks, while meeting new expectations Radić Nikola | Visoka škola za poslovnu ekonomiju i preduzetništvo, Beograd, Srbija | bra.radici@hotmail.com Sajber bezbednost i potreba promene modela praćenja prevara i finansijskog kriminala VISOKA ŠKOLA ZA POSLOVNU EKONOMIJU I PREDUZETNIŠTVO, BEOGRAD 87 key actors regulators, legislators, shareholders, customers (clients) and the community as a whole. The paper especially emphasizes the issue of fraud, various forms of financial crime in relation to cyber security. Ključne reči: prevare, finansijski kriminal, sajber bezbednost, podaci, rizik, protivmere

Cyber security and need to change the model of monitoring fraud and financial crime