Purpose: This paper is aimed at studying the problem of methodology development of threats and challenges to society, the economy and people that arise in the course of human-digital interaction in the financial sphere. The goal is global in scope, allowing linking the financial activity of individuals (micro-level) with the financial security of the country (macro-level) from “Cifrogenic” (“digital-genous”, derived from causes related to digital technology) challenges and threats, with a supranational character. Design/methodology/approach: The tools of systemic, structural functional and institutional approaches were used in the process of substantiation of theoretical provisions, data analysis, conclusions and recommendations that allowed analyzing and taking the complex areas of financial development of digital technology and human interaction and digital technology in the financial sector are analyzed as the studied material. A review of the literature on the selected topic has shown that relations arising in the course of human-digital interaction in the financial sphere are discussed in many papers of such scholars as Alifanova et. al. (2019), Alifanova et. al. (2018), Reshetnikova et al. (2019), Zmiyak et al. (2019), Reshetnikova andMagomedov (2020). Findings: There are opportunities to form a “digital financial profile” of a person who becomes an object of advertising, marketing, sociological, political research, and ultimately can become a subject of social rating and a source of information for managing the financial behavior of a person and the country's population as a whole. Originality/value: The functionality of digital technologies creates a new platform for human financial activity: supporting the adoption of credit and investment decisions, the availability of financial products and services and their personification through processing and analysis of big data, new types of investment assets resulting from blockchain technology and much more. At the same time, moving ever-increasing volumes of financial activity into virtual space, changing the format of interaction (from traditional Business-to-Customer to Peer-to-Peer and even Digital Profile-Digital profile), the emergence of Fintech companies, digitalization of the financial sector has wide range of consequences. So, financial organizations no longer interact with a person, but with his “digital profile”, with a psychological-digital portrait.