The process of teaching anti-financial fraud and individual risk management in a non-economic university

Background. Among the key trends of the modern economy are digitalization, the growth in the number of users of banking services, and the activity of citizens in the financial market. The growth of the key rate, attractive deposit conditions, and the ease of starting investment activities through mobile applications contribute to the development of this segment. This trend is also understood by those who want to earn money illegally and, as a result, the growth in the number of cases of financial fraud. In these conditions, it is necessary not only to improve financial literacy and learn how to improve your well-being, but also to learn how to combat financial fraud and interact with law enforcement agencies.

Purpose. Consider the possibilities of training in combating financial fraud and managing individual risks as part of improving the financial literacy of students at non-economic universities

Materials and methods. In working on the article, the following were used: analysis of sources containing experience in implementing training courses to combat financial fraud by domestic and foreign specialists, generalization and systematization of the obtained results, modeling of the educational process, a pedagogical experiment to modify existing practices for conducting classes in economic disciplines and applying them in classes at a medical university, observation of students' behavior in classes using modified pedagogical technologies, analysis of the results of applying pedagogical technologies for teaching to combat financial fraud and manage individual risks.

Results. Since the beginning of the transition to a market economy in our country, there have been cases of fraud and illegal enrichment of citizens. A significant part of the population has acquired the sad experience of investing in financial pyramids. But during this period of time, economic education was carried out mainly in specialized universities and the overwhelming majority of the population did not have the opportunity to study financial literacy. Measuring the level of financial literacy in Russia began in 2012. The results of the research made it possible to form training programs in accordance with the national strategy. Over time, the country's economy was transformed, a digital economy appeared. The population gained access to information resources. Financial pyramids have become isolated cases, and the attackers have mastered digital technologies. Today, despite the growth of financial literacy, the number of victims of their actions is growing. Law enforcement agencies have accumulated extensive experience in bringing to justice under Article 159 of the Criminal Code of the Russian Federation, but to initiate a case, it is necessary to record the fact of fraud itself, i.e. there must be an appeal from the victim. And according to the statistics of the Bank of Russia, in case of financial fraud, only 27.7% contact the police and almost the same number (27.3%) do not contact anyone. As the experiment showed, the introduction of a lesson in the educational process devoted to issues of counteracting fraudsters and interaction with law enforcement agencies finds a positive response among students. Generation "Z" is closer to online services, and, accordingly, the possibilities of their use in education. Training in drawing up a competent application and submitting an appeal in the form of an electronic document is positively perceived by Zoomers. Firstly, the action works in a digital environment familiar to them, and secondly, there is no need for personal communication and an additional stressful situation. Young people, as a rule, are withdrawn and reluctant to make personal contact. At the moment, work is underway on gamification of the developed courses "Financial Literacy" and "Counteracting Financial Fraud and Individual Risk Management". Taken together, the implemented training methods and technologies will contribute to increasing not only the financial literacy and security of citizens, but also to effectively combating fraudsters.