MOBILE BANKING FRAUD: THREATS, CRIME MECHANISMS AND COMPREHENSIVE COUNTERMEASURES
DOI:
https://doi.org/10.47390/SPR1342V6I3Y2026N39Keywords:
mobile banking, financial fraud, cybercrime, social engineering, banking security, payment data protection.Abstract
The article examines current threats related to fraud in mobile banking in the context of digital financial services. Major crime mechanisms are analyzed, including social engineering, mobile malware, and compromise of authentication tools. Key factors contributing to the growth of mobile financial fraud are identified, and a comprehensive framework of legal, organizational, and technical countermeasures is proposed. The results of the study can be applied by financial institutions and law enforcement agencies.
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