{"id":"https://openalex.org/W4414410761","doi":"https://doi.org/10.3390/jcp5030077","title":"AI-Driven Cybersecurity in Mobile Financial Services: Enhancing Fraud Detection and Privacy in Emerging Markets","display_name":"AI-Driven Cybersecurity in Mobile Financial Services: Enhancing Fraud Detection and Privacy in Emerging Markets","publication_year":2025,"publication_date":"2025-09-22","ids":{"openalex":"https://openalex.org/W4414410761","doi":"https://doi.org/10.3390/jcp5030077"},"language":"en","primary_location":{"id":"doi:10.3390/jcp5030077","is_oa":true,"landing_page_url":"https://doi.org/10.3390/jcp5030077","pdf_url":"https://www.mdpi.com/2624-800X/5/3/77/pdf?version=1758525647","source":{"id":"https://openalex.org/S4210232532","display_name":"Journal of Cybersecurity and Privacy","issn_l":"2624-800X","issn":["2624-800X"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Cybersecurity and Privacy","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://www.mdpi.com/2624-800X/5/3/77/pdf?version=1758525647","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5117767218","display_name":"Ebrahim Mollik","orcid":null},"institutions":[{"id":"https://openalex.org/I138801177","display_name":"University of Ulster","ror":"https://ror.org/01yp9g959","country_code":"GB","type":"education","lineage":["https://openalex.org/I138801177"]},{"id":"https://openalex.org/I4210167080","display_name":"International House","ror":"https://ror.org/05v4f3f05","country_code":"PT","type":"education","lineage":["https://openalex.org/I4210167080"]}],"countries":["GB","PT"],"is_corresponding":true,"raw_author_name":"Ebrahim Mollik","raw_affiliation_strings":["MSc International Business with Data Analytics, Ulster University, London Campus, St James House, 10 Rosebery Ave, London EC1R 4TF, UK"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"MSc International Business with Data Analytics, Ulster University, London Campus, St James House, 10 Rosebery Ave, London EC1R 4TF, UK","institution_ids":["https://openalex.org/I138801177","https://openalex.org/I4210167080"]}]},{"author_position":"last","author":{"id":null,"display_name":"Faisal Majeed","orcid":null},"institutions":[{"id":"https://openalex.org/I138801177","display_name":"University of Ulster","ror":"https://ror.org/01yp9g959","country_code":"GB","type":"education","lineage":["https://openalex.org/I138801177"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Faisal Majeed","raw_affiliation_strings":["Faculty Member & Supervisor, Ulster University, London Campus, London EC1R 4TF, UK"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty Member & Supervisor, Ulster University, London Campus, London EC1R 4TF, UK","institution_ids":["https://openalex.org/I138801177"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5117767218"],"corresponding_institution_ids":["https://openalex.org/I138801177","https://openalex.org/I4210167080"],"apc_list":{"value":1000,"currency":"CHF","value_usd":1207},"apc_paid":{"value":1000,"currency":"CHF","value_usd":1207},"fwci":15.642,"has_fulltext":true,"cited_by_count":9,"citation_normalized_percentile":{"value":0.98855419,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":91,"max":100},"biblio":{"volume":"5","issue":"3","first_page":"77","last_page":"77"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10270","display_name":"Blockchain Technology Applications and Security","score":0.996999979019165,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T10270","display_name":"Blockchain Technology Applications and Security","score":0.996999979019165,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9889000058174133,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12519","display_name":"Cybercrime and Law Enforcement Studies","score":0.9769999980926514,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/transparency","display_name":"Transparency (behavior)","score":0.6355000138282776},{"id":"https://openalex.org/keywords/consistency","display_name":"Consistency (knowledge bases)","score":0.461899995803833},{"id":"https://openalex.org/keywords/promotion","display_name":"Promotion (chess)","score":0.45080000162124634},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"Financial inclusion","score":0.42719998955726624},{"id":"https://openalex.org/keywords/emerging-markets","display_name":"Emerging markets","score":0.4235000014305115},{"id":"https://openalex.org/keywords/reliability","display_name":"Reliability (semiconductor)","score":0.40720000863075256},{"id":"https://openalex.org/keywords/information-privacy","display_name":"Information privacy","score":0.361299991607666},{"id":"https://openalex.org/keywords/data-sharing","display_name":"Data sharing","score":0.35600000619888306}],"concepts":[{"id":"https://openalex.org/C2780233690","wikidata":"https://www.wikidata.org/wiki/Q535347","display_name":"Transparency (behavior)","level":2,"score":0.6355000138282776},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5680999755859375},{"id":"https://openalex.org/C108827166","wikidata":"https://www.wikidata.org/wiki/Q175975","display_name":"Internet privacy","level":1,"score":0.5489000082015991},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.49320000410079956},{"id":"https://openalex.org/C2776436953","wikidata":"https://www.wikidata.org/wiki/Q5163215","display_name":"Consistency (knowledge bases)","level":2,"score":0.461899995803833},{"id":"https://openalex.org/C98147612","wikidata":"https://www.wikidata.org/wiki/Q215599","display_name":"Promotion (chess)","level":3,"score":0.45080000162124634},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.42719998955726624},{"id":"https://openalex.org/C121087249","wikidata":"https://www.wikidata.org/wiki/Q546395","display_name":"Emerging markets","level":2,"score":0.4235000014305115},{"id":"https://openalex.org/C43214815","wikidata":"https://www.wikidata.org/wiki/Q7310987","display_name":"Reliability (semiconductor)","level":3,"score":0.40720000863075256},{"id":"https://openalex.org/C123201435","wikidata":"https://www.wikidata.org/wiki/Q456632","display_name":"Information privacy","level":2,"score":0.361299991607666},{"id":"https://openalex.org/C2779965156","wikidata":"https://www.wikidata.org/wiki/Q5227350","display_name":"Data sharing","level":3,"score":0.35600000619888306},{"id":"https://openalex.org/C69360830","wikidata":"https://www.wikidata.org/wiki/Q1172237","display_name":"Data Protection Act 1998","level":2,"score":0.34200000762939453},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.335099995136261},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.32670000195503235},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.3127000033855438},{"id":"https://openalex.org/C39896193","wikidata":"https://www.wikidata.org/wiki/Q380344","display_name":"Descriptive statistics","level":2,"score":0.3093999922275543},{"id":"https://openalex.org/C3018587665","wikidata":"https://www.wikidata.org/wiki/Q7268696","display_name":"Qualitative analysis","level":3,"score":0.3052999973297119},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.2992999851703644},{"id":"https://openalex.org/C2776452267","wikidata":"https://www.wikidata.org/wiki/Q1503443","display_name":"Secrecy","level":2,"score":0.2906999886035919},{"id":"https://openalex.org/C10511746","wikidata":"https://www.wikidata.org/wiki/Q899388","display_name":"Data security","level":3,"score":0.2750000059604645},{"id":"https://openalex.org/C95986675","wikidata":"https://www.wikidata.org/wiki/Q185168","display_name":"Quantitative analysis (chemistry)","level":2,"score":0.2736999988555908},{"id":"https://openalex.org/C190248442","wikidata":"https://www.wikidata.org/wiki/Q839486","display_name":"Qualitative research","level":2,"score":0.2721000015735626},{"id":"https://openalex.org/C207267971","wikidata":"https://www.wikidata.org/wiki/Q120208","display_name":"Emerging technologies","level":2,"score":0.26010000705718994},{"id":"https://openalex.org/C87156501","wikidata":"https://www.wikidata.org/wiki/Q7268708","display_name":"Qualitative property","level":2,"score":0.2533000111579895},{"id":"https://openalex.org/C165609540","wikidata":"https://www.wikidata.org/wiki/Q1172486","display_name":"Data breach","level":2,"score":0.2515999972820282}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.3390/jcp5030077","is_oa":true,"landing_page_url":"https://doi.org/10.3390/jcp5030077","pdf_url":"https://www.mdpi.com/2624-800X/5/3/77/pdf?version=1758525647","source":{"id":"https://openalex.org/S4210232532","display_name":"Journal of Cybersecurity and Privacy","issn_l":"2624-800X","issn":["2624-800X"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Cybersecurity and Privacy","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:274d8fdbac6b46309398b80d309ea0c9","is_oa":true,"landing_page_url":"https://doaj.org/article/274d8fdbac6b46309398b80d309ea0c9","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Journal of Cybersecurity and Privacy, Vol 5, Iss 3, p 77 (2025)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.3390/jcp5030077","is_oa":true,"landing_page_url":"https://doi.org/10.3390/jcp5030077","pdf_url":"https://www.mdpi.com/2624-800X/5/3/77/pdf?version=1758525647","source":{"id":"https://openalex.org/S4210232532","display_name":"Journal of Cybersecurity and Privacy","issn_l":"2624-800X","issn":["2624-800X"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310310987","host_organization_name":"Multidisciplinary Digital Publishing Institute","host_organization_lineage":["https://openalex.org/P4310310987"],"host_organization_lineage_names":["Multidisciplinary Digital Publishing Institute"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Cybersecurity and Privacy","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4414410761.pdf","grobid_xml":"https://content.openalex.org/works/W4414410761.grobid-xml"},"referenced_works_count":17,"referenced_works":["https://openalex.org/W1791587663","https://openalex.org/W2005900773","https://openalex.org/W2014699457","https://openalex.org/W2032874557","https://openalex.org/W2100379340","https://openalex.org/W2102303925","https://openalex.org/W2339780644","https://openalex.org/W2567362164","https://openalex.org/W2883964862","https://openalex.org/W2995191368","https://openalex.org/W3023639742","https://openalex.org/W4297347671","https://openalex.org/W4320917341","https://openalex.org/W4387559665","https://openalex.org/W4393102548","https://openalex.org/W4396215553","https://openalex.org/W4405900298"],"related_works":[],"abstract_inverted_index":{"The":[0,105,150,185,231],"rapid":[1],"expansion":[2],"of":[3,14,28,90,111,122,148,175,182,202,211],"mobile":[4],"financial":[5,15],"services":[6],"(MFSs)":[7],"has":[8],"brought":[9],"about":[10],"benefits":[11,121],"in":[12,17,39,71,179],"terms":[13],"inclusion":[16],"developing":[18],"countries;":[19],"however,":[20,163],"threats":[21],"have":[22],"also":[23,187],"emerged":[24],"on":[25,199],"the":[26,120,180,190,209],"sides":[27],"cybersecurity":[29],"and":[30,61,86,143,173,193,221,228,244],"privacy.":[31],"Traditional":[32],"fraud-detection":[33],"strategies":[34],"are":[35,235],"usually":[36],"not":[37],"responsive":[38],"time":[40],"or":[41],"adaptive":[42],"to":[43,57,63,225,248],"changing":[44],"threat":[45],"scenarios.":[46],"This":[47,206],"study":[48,186,207,232],"investigates":[49],"how":[50],"artificial":[51],"intelligence":[52],"(AI)":[53],"can":[54],"be":[55],"employed":[56],"strengthen":[58],"fraud":[59,124,160],"detection":[60,161],"methods":[62],"address":[64],"user":[65,183,219,251],"privacy":[66,115],"concerns":[67],"within":[68,234,253],"MFS":[69],"platforms":[70],"emerging":[72],"markets.":[73],"A":[74,93],"mixed-method":[75],"approach":[76],"was":[77],"adopted,":[78],"i.e.,":[79],"a":[80,87,157,237],"quantitative":[81],"survey":[82],"(n":[83],"=":[84,136],"151)":[85],"qualitative":[88],"analysis":[89,95,127],"open-ended":[91],"response.":[92],"reliability":[94],"showed":[96,128],"internal":[97],"consistency":[98],"(Cronbach\u2019s":[99],"alpha":[100],">":[101],"0.70":[102],"across":[103],"constructs).":[104],"descriptive":[106],"results":[107],"demonstrate":[108],"that":[109,129,153,189],"95.4%":[110],"those":[112],"questioned":[113],"raised":[114],"concerns,":[116],"whereas":[117],"78.2%":[118],"recognized":[119],"AI-driven":[123],"detection.":[125],"Regression":[126],"AI":[130,156,213],"significantly":[131],"improved":[132],"perceived":[133],"security":[134],"(\u03b2":[135],"0.63,":[137],"p":[138],"<":[139],"0.01),":[140],"although":[141],"transparency":[142],"explainability":[144],"were":[145],"critical":[146,238],"determinants":[147],"trust.":[149,184],"findings":[151],"indicate":[152],"users":[154],"consider":[155],"capable":[158],"real-time":[159],"tool;":[162],"doubts":[164],"remain":[165],"regarding":[166],"data":[167],"transparency,":[168],"sharing":[169],"with":[170,217,250],"third":[171],"parties,":[172],"lack":[174],"user-opted":[176],"control,":[177],"resulting":[178],"erosion":[181],"indicates":[188],"socio-cultural":[191],"factors":[192],"weak":[194],"regulatory":[195],"contexts":[196],"weigh":[197],"heavily":[198],"users\u2019":[200],"acceptance":[201],"these":[203],"AI-powered":[204],"systems.":[205],"proposes":[208],"promotion":[210],"Explainable":[212],"(XAI)":[214],"systems":[215],"along":[216],"privacy-by-design":[218],"controls":[220],"localized":[222],"communication":[223],"approaches":[224],"foster":[226],"trust":[227],"further":[229],"adoption.":[230],"contained":[233],"thus":[236],"guide":[239],"for":[240],"policymakers,":[241],"fintech":[242],"developers,":[243],"providers,":[245],"who":[246],"seek":[247],"innovate":[249],"protection":[252],"digital":[254],"fintech.":[255]},"counts_by_year":[{"year":2026,"cited_by_count":8},{"year":2025,"cited_by_count":1}],"updated_date":"2026-08-26T07:47:46.906454","created_date":"2025-10-10T00:00:00"}
