ENSURING FINANCIAL SECURITY OF TELEGRAM USERS IN THE DIGITAL ERA

Abstract

The rapid expansion of digital communication platforms has significantly transformed financial interactions, making them more accessible yet increasingly vulnerable to cyber threats. Telegram, as one of the fastest-growing messaging platforms, has become a hub for financial transactions, business communications, and cryptocurrency exchanges. However, this growth has also attracted cybercriminal activities such as phishing, fraud schemes, identity theft, and unauthorized transactions. This article explores the key risks associated with Telegram usage in financial contexts and proposes comprehensive strategies to ensure users' financial security. The study highlights technological, educational, and regulatory approaches, emphasizing the role of user awareness and platform responsibility. The findings demonstrate that a combination of secure practices, advanced encryption, and digital literacy is essential for mitigating financial risks.