in modern banks money is just a number in a database, right? What stops the bank owners from just adding an amount to a saldo of an account?

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in modern banks money is just a number in a database, right? What stops the bank owners from just adding an amount to a saldo of an account?

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Because if an amount is added somewhere, it also has to show that amount leaving somewhere else. Either another account within that bank or from another financial institution. All these numbers are constantly tallied by sophisticated software, and if the numbers don’t add up, automated flags start alerting people of discrepancies.

You would have to manipulate so many systems, and have multiple people with various levels of clearance, all working together, to be able to pull something like this off, and even then, it would get discovered later on during some audit.

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