During the period of digital transformation of society, on the one hand, the opportunities for digital financial behavior of Russians have expanded, but, on the other hand, not all Russian consumers actively seek digital consumption of banking, insurance and investment services. One of the reasons for financial conservatism is the low digital and financial literacy of most Russian consumers [Medyanik, 2020], as well as the high level of distrust of new technologies. Consumer caution, in particular, is associated with an increase in cases of cyberfraud