Improving the methodology of personal finance management in the context of digital transformation as a factor in ensuring the personal financial security of citizens

Subject. Problems related to the optimization of financial planning. Objectives. Development of an effective systemic approach to risk minimization and enhancement of financial stability, integrating digital technologies and financial management tools. Methods. Methods of mathematical analysis were applied. Results. A risk assessment methodology has been developed, which involves constructing a threat matrix and continuous monitoring of the financial condition. The practical implementation of the proposed measures reduces the likelihood of phishing attacks and prevents the growth of accounts payable. Conclusions. The integration of digital technologies and systemic risk management tools into the personal finance management process contributes to an increase in the level of financial security.