1. КК
  2. № 1 (47) / 2025
  3. Analysis of the Protective Elements of Plastic Payment Cards of Ukrainian Banks

Analysis of the Protective Elements of Plastic Payment Cards of Ukrainian Banks

КК.
2025;
Volume 1 (47), 2025, Number 1 (47)
: pp. 20 - 28
https://doi.org/10.32403/2411-3611-2025-1-47-20-28
Authors:
  1. O. H. Kotmalova
  2. M. T. Labetska
1
Lviv Polytechnic National University Institute of Printing Art and Media Technologies
2
Lviv Polytechnic National University Institute of Printing Art and Media Technologies

In the current conditions of digital transformation of the financial sector, the issue of banking card security becomes critically important for ensuring consumer trust, banking system stability, and protection against malicious activities. The relevance of conducting this research is driven by the constant growth of cybercrime, large­scale digitization of banking services, and the need to improve protection methods for banking payment instruments.
The work provides a comprehensive review of modern banking card protection technologies used by Ukrainian banks. The study examines not only the basic electronic components of cards — EMV chip, magnetic stripe, contactless NFC technology — but also provides detailed analysis of printing security measures, including microprinting, holograms, UV marks, optically variable elements, embossed printing, special signature panels, and colour­changing ink. Special attention is given to printing technologies as an important tool for visual verification and the first level of card protection against counterfeiting. A comparative table of security elements usage on cards of leading Ukrainian banks is presented, which allows identifying trends toward security unification in accordance with international standards.
Global trends in banking product security are also analyzed, including the application of artificial intelligence for real­time fraud detection, implementation of blockchain solutions for decentralized transaction verification, and prospects for using quantum cryptography for generating secure access keys. The work emphasizes the appropriateness of integrating innovative printing elements, such as holographic animation, laser engraving, and multi­layer printing structures, into domestic payment card manufacturing practice. The conclusion is made about the need for unifying security approaches, adapting the best international practices, and further investments in developing both digital and printing security measures.

payment card
printing security
microprinting
hologram
optically va­ riable image
UV marks
security elements
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