Strengthening Cybersecurity Resilience: An Investigation of Customers’ Adoption of Emerging Security Tools in Mobile Banking Apps
The rise in internet-based services has raised risks of data exposure. The manipulation and exploitation of sensitive data significantly impact individuals’ resilience—the ability to protect and prepare against cyber incidents. Emerging technologies seek to enhance cybersecurity resilience by develo...
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| Format: | Article |
| Language: | English |
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MDPI AG
2025-04-01
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| Series: | Computers |
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| Online Access: | https://www.mdpi.com/2073-431X/14/4/129 |
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| author | Irfan Riasat Mahmood Shah M. Sinan Gonul |
| author_facet | Irfan Riasat Mahmood Shah M. Sinan Gonul |
| author_sort | Irfan Riasat |
| collection | DOAJ |
| description | The rise in internet-based services has raised risks of data exposure. The manipulation and exploitation of sensitive data significantly impact individuals’ resilience—the ability to protect and prepare against cyber incidents. Emerging technologies seek to enhance cybersecurity resilience by developing various security tools. This study aims to explore the adoption of security tools using a qualitative research approach. Twenty-two semi-structured interviews were conducted with users of mobile banking apps from Pakistan. Data were analyzed using thematic analysis, which revealed that biometric authentication and SMS alerts are commonly used. Limited use of multifactor authentication has been observed, mainly due to a lack of awareness or implementation knowledge. Passwords are still regarded as a trusted and secure mechanism. The findings indicate that the adoption of security tools is based on perceptions of usefulness, perceived trust, and perceived ease of use, while knowledge and awareness play a moderating role. This study also proposes a framework by extending TAM to include multiple security tools and introducing knowledge and awareness as a moderator influencing users’ perceptions. The findings inform practical implications for financial institutions, application developers, and policymakers to ensure standardized policy to include security tools in online financial platforms, thereby enhancing overall cybersecurity resilience. |
| format | Article |
| id | doaj-art-3394245d9e864911af409690fc52d62a |
| institution | OA Journals |
| issn | 2073-431X |
| language | English |
| publishDate | 2025-04-01 |
| publisher | MDPI AG |
| record_format | Article |
| series | Computers |
| spelling | doaj-art-3394245d9e864911af409690fc52d62a2025-08-20T02:17:14ZengMDPI AGComputers2073-431X2025-04-0114412910.3390/computers14040129Strengthening Cybersecurity Resilience: An Investigation of Customers’ Adoption of Emerging Security Tools in Mobile Banking AppsIrfan Riasat0Mahmood Shah1M. Sinan Gonul2Newcastle Business School, University of Northumbria at Newcastle, Newcastle Upon Tyne NE1 8ST, UKNewcastle Business School, University of Northumbria at Newcastle, Newcastle Upon Tyne NE1 8ST, UKNewcastle Business School, University of Northumbria at Newcastle, Newcastle Upon Tyne NE1 8ST, UKThe rise in internet-based services has raised risks of data exposure. The manipulation and exploitation of sensitive data significantly impact individuals’ resilience—the ability to protect and prepare against cyber incidents. Emerging technologies seek to enhance cybersecurity resilience by developing various security tools. This study aims to explore the adoption of security tools using a qualitative research approach. Twenty-two semi-structured interviews were conducted with users of mobile banking apps from Pakistan. Data were analyzed using thematic analysis, which revealed that biometric authentication and SMS alerts are commonly used. Limited use of multifactor authentication has been observed, mainly due to a lack of awareness or implementation knowledge. Passwords are still regarded as a trusted and secure mechanism. The findings indicate that the adoption of security tools is based on perceptions of usefulness, perceived trust, and perceived ease of use, while knowledge and awareness play a moderating role. This study also proposes a framework by extending TAM to include multiple security tools and introducing knowledge and awareness as a moderator influencing users’ perceptions. The findings inform practical implications for financial institutions, application developers, and policymakers to ensure standardized policy to include security tools in online financial platforms, thereby enhancing overall cybersecurity resilience.https://www.mdpi.com/2073-431X/14/4/129emerging technologysecurity toolsbiometric authenticationSMS alertpasswordmultifactor authentication |
| spellingShingle | Irfan Riasat Mahmood Shah M. Sinan Gonul Strengthening Cybersecurity Resilience: An Investigation of Customers’ Adoption of Emerging Security Tools in Mobile Banking Apps Computers emerging technology security tools biometric authentication SMS alert password multifactor authentication |
| title | Strengthening Cybersecurity Resilience: An Investigation of Customers’ Adoption of Emerging Security Tools in Mobile Banking Apps |
| title_full | Strengthening Cybersecurity Resilience: An Investigation of Customers’ Adoption of Emerging Security Tools in Mobile Banking Apps |
| title_fullStr | Strengthening Cybersecurity Resilience: An Investigation of Customers’ Adoption of Emerging Security Tools in Mobile Banking Apps |
| title_full_unstemmed | Strengthening Cybersecurity Resilience: An Investigation of Customers’ Adoption of Emerging Security Tools in Mobile Banking Apps |
| title_short | Strengthening Cybersecurity Resilience: An Investigation of Customers’ Adoption of Emerging Security Tools in Mobile Banking Apps |
| title_sort | strengthening cybersecurity resilience an investigation of customers adoption of emerging security tools in mobile banking apps |
| topic | emerging technology security tools biometric authentication SMS alert password multifactor authentication |
| url | https://www.mdpi.com/2073-431X/14/4/129 |
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