Framework for the Provision of User Felt Protected Mobile Banking Services

The proliferation of mobile devices is a direct sector, which has become the primary means by which individuals complete the vast majority of their daily tasks. Financial institutions are bolstering their expansion plans by emphasizing mobile banking and financial services. However, there are several security issues with mobile banking due to the expanding capabilities of mobile technology. That's why banks need a system to evaluate the safety of their mobile banking services. The cyber-security barriers to mobile banking encountered by SACCOs in Kenya were identified using a survey study methodology, and the strategies used by SACCOs to mitigate the effects of these problems on the supply of mobile banking services were assessed. The research uncovered the risks associated with mobile banking in terms of cyber security. This analysis also assessed the measures taken by SACCOs to guarantee the provision of a safe mobile banking service in the eyes of their customers. The results informed the development of a framework for the provision of mobile banking services that prioritizes customers' sense of safety. After putting the suggested structure through its paces with the help of specialists, it was proven to be quite trustworthy. This paradigm gives SACCOs a way to measure how secure their services are in the eyes of their customers.