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<article article-type="research-article" dtd-version="1.3" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="ru"><front><journal-meta><journal-id journal-id-type="publisher-id">dt</journal-id><journal-title-group><journal-title xml:lang="ru">Цифровая трансформация</journal-title><trans-title-group xml:lang="en"><trans-title>Digital Transformation</trans-title></trans-title-group></journal-title-group><issn pub-type="ppub">2522-9613</issn><issn pub-type="epub">2524-2822</issn><publisher><publisher-name>Educational Establishment “Belarusian State University of Informatics and Radioelectronics”</publisher-name></publisher></journal-meta><article-meta><article-id pub-id-type="doi">10.35596/1729-7648-2026-32-1-33-44</article-id><article-id custom-type="elpub" pub-id-type="custom">dt-1005</article-id><article-categories><subj-group subj-group-type="heading"><subject>Research Article</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="ru"><subject>ЭКОНОМИЧЕСКИЕ НАУКИ, ОБРАЗОВАНИЕ</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="en"><subject>ECONOMIC SCIENCES, EDUCATION</subject></subj-group></article-categories><title-group><article-title>Методика оценки финансовых рисков организаций на основе внедрения Isolated Multiagent Arbitration</article-title><trans-title-group xml:lang="en"><trans-title>A Method for Assessing the Financial Risks of Organizations Based on the Implementation of Isolated Multiagent Arbitration</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Пискун</surname><given-names>Е. С.</given-names></name><name name-style="western" xml:lang="en"><surname>Piskun</surname><given-names>E.</given-names></name></name-alternatives><bio xml:lang="ru"><p>Пискун Екатерина Сергеевна, канд. экон. наук, доц. каф. проектирования информационно-компьютерных систем</p><p>220013, Минск, ул. П. Бровки, 6, Тел.: +375 17 292-20-80</p></bio><bio xml:lang="en"><p>Cand. Sci. (Econ.), Associate Professor at the Department of Design Information and Computer Systems</p><p>220013, Minsk, P. Brovki St., 6, Tel.: +375 17 292-20-80</p></bio><email xlink:type="simple">e.piskun@bsuir.by</email><xref ref-type="aff" rid="aff-1"/></contrib><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Азизов</surname><given-names>А. А.</given-names></name><name name-style="western" xml:lang="en"><surname>Azizov</surname><given-names>A.</given-names></name></name-alternatives><bio xml:lang="ru"><p>магистрант каф. проектирования информационно-компьютерных систем</p><p>Минск</p></bio><bio xml:lang="en"><p>Master’s Student at the Department of Design of Information and Computer Systems</p><p>Minsk</p></bio><xref ref-type="aff" rid="aff-1"/></contrib><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Крячев</surname><given-names>Е. В.</given-names></name><name name-style="western" xml:lang="en"><surname>Krychev</surname><given-names>E.</given-names></name></name-alternatives><bio xml:lang="ru"><p>магистрант каф. проектирования информационно-компьютерных систем</p><p>Минск</p></bio><bio xml:lang="en"><p>Master’s Student at the Department of Design of Information and Computer Systems</p><p>Minsk</p></bio><xref ref-type="aff" rid="aff-1"/></contrib></contrib-group><aff-alternatives id="aff-1"><aff xml:lang="ru"><institution>Белорусский государственный университет информатики и радиоэлектроники</institution></aff><aff xml:lang="en"><institution>Belarusian State University of Informatics and Radioelectronics</institution></aff></aff-alternatives><pub-date pub-type="collection"><year>2026</year></pub-date><pub-date pub-type="epub"><day>05</day><month>04</month><year>2026</year></pub-date><volume>32</volume><issue>1</issue><fpage>33</fpage><lpage>44</lpage><permissions><copyright-statement>Copyright &amp;#x00A9; Пискун Е.С., Азизов А.А., Крячев Е.В., 2026</copyright-statement><copyright-year>2026</copyright-year><copyright-holder xml:lang="ru">Пискун Е.С., Азизов А.А., Крячев Е.В.</copyright-holder><copyright-holder xml:lang="en">Piskun E., Azizov A., Krychev E.</copyright-holder><license xml:lang="ru" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>Данная работа распространяется под лицензией Creative Commons Attribution 4.0.</license-p></license><license xml:lang="en" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>This work is licensed under a Creative Commons Attribution 4.0 License.</license-p></license></permissions><self-uri xlink:href="https://dt.bsuir.by/jour/article/view/1005">https://dt.bsuir.by/jour/article/view/1005</self-uri><abstract><p>Рассмотрена проблема обеспечения снижения финансовых рисков хозяйствующих субъектов в условиях масштабного внедрения автономных интеллектуальных агентов. Показано, что существующие угрозы безопасности для систем больших языковых моделей, такие как стеганографические инъекции и поисково-дополненная генерация, трансформируются из технических инцидентов в существенные факторы операционного риска, способные нанести прямой экономический ущерб, исчисляемый миллионами долларов. Предложена методика оценки финансовых рисков на основе целевой функции полной стоимости владения, включающей операционные затраты и ожидаемые годовые потери, а также дисконтированного анализа для инвестиционного обоснования мероприятий защиты. В качестве практической реализации рассматривается архитектура Isolated Multiagent Arbitration, реализующая принцип эшелонированной защиты и изоляции генерации от исполнения и включающая модуль глубокой инспекции файлов, кастомную модель-аудитор для постгенерационного анализа ответов и механизм динамической оценки доверия к источникам в поисково-дополненной генерации.</p></abstract><trans-abstract xml:lang="en"><p>This article examines the problem of reducing the financial risks of economic entities in the context of the large-scale implementation of autonomous intelligent agents. It demonstrates that existing security threats to systems with large language models, such as steganographic injections and search-based augmentation generation, are transforming from technical incidents into significant operational risk factors capable of causing direct economic damage amounting to millions of dollars. A financial risk assessment method is proposed based on the total cost of ownership objective function, which includes operating costs and expected annual losses, as well as a discounted analysis for investment justification of security measures. The Isolated Multiagent Arbitration architecture is considered as a practical implementation. It implements the principle of layered protection and isolation of generation from execution and includes a deep file inspection module, a custom auditor model for post-generation response analysis, and a mechanism for dynamically assessing the trustworthiness of sources in search-based augmentation generation.</p></trans-abstract><kwd-group xml:lang="ru"><kwd>большие языковые модели</kwd><kwd>автономные интеллектуальные агенты</kwd><kwd>промпт-инъекции</kwd><kwd>кибербезопасность</kwd><kwd>искусственный интеллект</kwd><kwd>финансовый риск</kwd><kwd>оценка стоимости</kwd><kwd>экономический эффект</kwd></kwd-group><kwd-group xml:lang="en"><kwd>large language models</kwd><kwd>autonomous intelligent agents</kwd><kwd>prompt injections</kwd><kwd>cybersecurity</kwd><kwd>artificial intelligence</kwd><kwd>financial risk</kwd><kwd>valuation</kwd><kwd>economic impact</kwd></kwd-group></article-meta></front><back><ref-list><title>References</title><ref id="cit1"><label>1</label><citation-alternatives><mixed-citation xml:lang="ru">Singla A., Sukharevsky A., Yee L., Chui M., Hall B. 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