Annotation

The article analyzes the legal significance of information quality for banking activities in the context of credit institutions’ use of official information, state data, derivative datasets and anonymized information. It is shown that such information is used for client identification, banking risk assessment, fraud detection and the application of algorithmic models. Insufficient quality of the information basis may affect the correctness of banking decisions, the reliability of automated processing and the verifiability of subsequent control. The quality of state data is considered in connection with interdepartmental exchange, analytical processing, the provision of state and municipal services and the use of artificial intelligence models in public administration. The article distinguishes between the concepts of “information”, “legally significant information” and “data” for the purposes of legal assessment of the quality of the information basis. It is substantiated that the regulation of the Unified Information Platform of the National Data Management System establishes the criteria of completeness, reliability, accuracy and consistency of state data, but does not provide for a legally formalized result of quality assessment. The article formulates a proposal to introduce a state data quality conclusion as the result of dataset assessment confirming the permissibility of its use in interdepartmental exchange, analytical processing, decision-making in public administration, banking activities and the application of artificial intelligence models.