Security And Privacy Of Mobile Banking In Qatar: A Case Highlighting Current Challenges And Future Recommendations

Abstract

This study explores the multidimensional security and privacy issues in mobile banking within Qatar through semi-structured interviews with seven key industry participants, including representatives from the Qatari Central Bank, cybersecurity specialists, bankers, a mobile banking technology provider, and an academic expert in digital security. Using thematic analysis based on Braun and Clarke's framework, the study identifies key themes: regulatory challenges, technological vulnerabilities, user behavior and education, and future trends in mobile banking security. The findings reveal the necessity for continuous enhancement of regulatory frameworks, adoption of advanced technological solutions, comprehensive user education programs, and a balanced approach to security and user experience. The study provides valuable insights into the current landscape and future directions for mobile banking security in Qatar, highlighting the importance of a proactive, collaborative approach to safeguarding against cyber threats.