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<p>Mobile banking cybersecurity threats continue to rise while digital finance grows throughout Saudi Arabia, threatening users’ personal and monetary data. Even as digital consumption rises, little effort has been made to understand how specific user beliefs influence awareness regarding cybersecurity issues. The present research seeks to assess the influence of perceived confidentiality, authentication, and device trust on awareness of cybersecurity issues, while also investigating the role of security misconfiguration as a moderator within the Saudi mobile banking environment. Surveys were conducted among 361 Riyadh, Makkah, and Sharqiya mobile bank users using the method of stratified random sampling. A structured questionnaire was used, and data collected through it was analyzed using Structural Equation Modeling (SEM) to verify hypothesized relationships. Initial findings report each of the three constructs having a positive contribution towards awareness, while security misconfiguration significantly interacts with the relationship between authentication and awareness. The study emphasizes the importance of safe system architecture and user-centric authentication methods being prioritized by policymakers as well as banks to increase cybersecurity resilience within mobile banking scenarios. Both technical configurations as well as educational programs need strengthening to ensure improved cybersecurity resilience within mobile banking setups. Future research should investigate these relationships across cultures and assess the more extended impact of the promoted cybersecurity awareness measures.</p>

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Securing mobile banking in Saudi arabia: key insights on confidentiality, authentication, and device trust

  • 期刊论文

  • 出版模式：

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  • 发表日期：

    2025年7月3日

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  • Emad Shafie

摘要

Mobile banking cybersecurity threats continue to rise while digital finance grows throughout Saudi Arabia, threatening users’ personal and monetary data. Even as digital consumption rises, little effort has been made to understand how specific user beliefs influence awareness regarding cybersecurity issues. The present research seeks to assess the influence of perceived confidentiality, authentication, and device trust on awareness of cybersecurity issues, while also investigating the role of security misconfiguration as a moderator within the Saudi mobile banking environment. Surveys were conducted among 361 Riyadh, Makkah, and Sharqiya mobile bank users using the method of stratified random sampling. A structured questionnaire was used, and data collected through it was analyzed using Structural Equation Modeling (SEM) to verify hypothesized relationships. Initial findings report each of the three constructs having a positive contribution towards awareness, while security misconfiguration significantly interacts with the relationship between authentication and awareness. The study emphasizes the importance of safe system architecture and user-centric authentication methods being prioritized by policymakers as well as banks to increase cybersecurity resilience within mobile banking scenarios. Both technical configurations as well as educational programs need strengthening to ensure improved cybersecurity resilience within mobile banking setups. Future research should investigate these relationships across cultures and assess the more extended impact of the promoted cybersecurity awareness measures.