Towards a Cybersecurity Culture Framework for Mobile Banking in South Africa

Mobile banking has become the most preferred banking method globally due to the prevalence and popularity of mobile technology. The widespread adoption and usage of mobile devices for banking has attracted a lot of cybercrime. Despite the national government gazetting NCPF to standardise cybersecurity efforts in South Africa, it is not adequately regulated as cybercrime continues to rise. This paper surveyed the literature to develop a cybersecurity culture framework to mitigate cybersecurity challenges in the South African mobile banking sector. The socio-technical systems theory was adopted as the underlying research theory of this paper. A literature survey was conducted, and the outcomes were thematically interpreted. Findings revealed that critical components of a successful cybersecurity culture framework should incorporate support, cybersecurity collaboration, policy, and monitoring and evaluation. The proposed framework may help to secure mobile banking communities from ever-evolving cyberattacks.