Mathematical assessment of cybersecurity risks in the digital economy

Akmaljon Abdullayev, Sevara Nurmatova

Ўзбекистон Ислом цивилизацияси маркази журнали · 2026-yil

Annotatsiya

The rapid expansion of digital financial services creates both economic opportunity and systemic cybersecurity vulnerability. Quantifying the relationship between cyber-attack frequency, associated economic losses, and protective investment remains an open challenge in the literature. This paper introduces a straightforward mathematical framework — combining a loss function, an exponential risk-reduction model, and a return-on-security-investment (ROSI) formula — to measure and optimise cybersecurity spending in a digital economy context. The model is calibrated using empirical data from Uzbekistan's banking sector (2018–2023). Results show that a one-unit increase in the Cybersecurity Readiness Score (CRS) reduces expected annual losses by USD 3.4 million on average, and that the optimal security budget allocation lies between 8 % and 11 % of total IT expenditure. The framework offers financial institutions and regulators a transparent, data-grounded tool for evidence-based cybersecurity policy decisions.

Maqola ma’lumotlari
MualliflarAkmaljon Abdullayev, Sevara Nurmatova
JurnalЎзбекистон Ислом цивилизацияси маркази журнали
NashriyotЎзбекистон Ислом цивилизацияси маркази
ISSN3093-9305, 3093-8805
Nashr sanasi2026-05-20
Jild1
Son1
Betlar27-36
TilIngliz
Ilmiy sohaIslomshunoslik
DOI10.66639/cv51n104
Indeksga qo‘shilgan2026-09-02

DOI: 10.66639/cv51n104 · Maqolaning asl sahifasi

Ilmiy soha

Islomshunoslik

Iqtibos keltirish

APAAkmaljon Abdullayev, & Sevara Nurmatova (2026). MATHEMATICAL ASSESSMENT OF CYBERSECURITY RISKS IN THE DIGITAL ECONOMY. Ўзбекистон Ислом цивилизацияси маркази журнали, 1(1), 27-36. https://doi.org/10.66639/cv51n104
GOST (OAK)Akmaljon Abdullayev, Sevara Nurmatova MATHEMATICAL ASSESSMENT OF CYBERSECURITY RISKS IN THE DIGITAL ECONOMY // Ўзбекистон Ислом цивилизацияси маркази журнали. – 2026. – T. 1, № 1. – P. 27-36. – DOI: 10.66639/cv51n104.
MLAAkmaljon Abdullayev, and Sevara Nurmatova. “MATHEMATICAL ASSESSMENT OF CYBERSECURITY RISKS IN THE DIGITAL ECONOMY.” Ўзбекистон Ислом цивилизацияси маркази журнали, 1(1), 27-36, 2026. https://doi.org/10.66639/cv51n104
ChicagoAkmaljon Abdullayev, and Sevara Nurmatova. “MATHEMATICAL ASSESSMENT OF CYBERSECURITY RISKS IN THE DIGITAL ECONOMY.” Ўзбекистон Ислом цивилизацияси маркази журнали, 1(1), 27-36 (2026). https://doi.org/10.66639/cv51n104
HarvardAkmaljon Abdullayev, and Sevara Nurmatova (2026) ‘MATHEMATICAL ASSESSMENT OF CYBERSECURITY RISKS IN THE DIGITAL ECONOMY’, Ўзбекистон Ислом цивилизацияси маркази журнали, 1(1), 27-36. https://doi.org/10.66639/cv51n104
BibTeX
@article{akmaljonabdullayev2026,
  title = {MATHEMATICAL ASSESSMENT OF CYBERSECURITY RISKS IN THE DIGITAL ECONOMY},
  author = {Akmaljon Abdullayev and Sevara Nurmatova},
  journal = {Ўзбекистон Ислом цивилизацияси маркази журнали},
  year = {2026},
  volume = {1},
  number = {1},
  pages = {27-36},
  doi = {10.66639/cv51n104},
  url = {https://doi.org/10.66639/cv51n104}
}

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