הדבקה פיננסית-סייברית

תקציר מקורי באנגליתarXiv:2609.10350v1 Announce Type: new Abstract: The banking system now depends on a small set of shared artificial intelligence vendors for fraud screening, credit decisioning, anti-money-laundering triage, customer analytics, and internal decision support. This paper studies how a compromise inside one of those vendors can propagate along a chain of operational, informational, and financial linkages until it triggers losses that look, from the outside, like a classical banking crisis. We build a four-layer heterogeneous network that couples AI vendors, financial institutions, interbank exposures, and customer accounts, and we propose CFC-Prop, a stochastic epidemic-and-clearing model that runs on that network. On a synthetic dataset with 60 vendors, 220 banks, roughly 2,500 vendor-bank se