The discussion of information security risk control in mobile banking
by Shaio Yan Huang; An An Chiu; Ching-Wen Lin; Chi Chuan Liao
International Journal of Mobile Communications (IJMC), Vol. 24, No. 4, 2024

Abstract: The emergence of digital technology and the increasing prevalence of smartphones have promoted innovations in payment options available in finance and consumption markets. Banks providing mobile payment must ensure the information security. Inadequate security control leads to information leakage, which severely affects user rights and service providers' reputations. This study uses control objectives for Information and Related Technologies 4.1 as the mobile payment security control framework to examine the emergent field of mobile payment. A literature review is performed to compile studies on the safety risk, regulations, and operations of mobile payments. In addition, the Delphi questionnaire is distributed among experts to determine the practical perspectives, supplement research gaps in the literature, and revise the prototype framework. According to the experts' opinions, 59 control objectives from the four domains of COBIT 4.1 are selected. The plan and organise, acquire and implement, deliver and support, and monitor and evaluate four domains comprised 2, 5, 10, and 2 control objectives that had mean importance scores of > 4.50. Thus, these are considered the most important objectives by the experts, respectively. The results of this study can serve as a reference for banks to construct secure frameworks in mobile payment services.

Online publication date: Wed, 02-Oct-2024

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