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Mobile Financial Services (MFS) for Online and In-Store Purchases: Users' Experiences and Scam Vulnerabilities
Abstract
This study aims to explore the usage patterns, users' experiences, and scam vulnerabilities associated with Mobile Financial Services (MFS) in developing countries like Bangladesh. While the notion of m-wallet is getting much more popular, it also poses some risk of digital fraud. The study used primary data collected from one hundred and ten users employing a standard questionnaire. The link to the questionnaire, which was designed with MS Form, was distributed among the users by email and instant messaging service. The study highlights several challenges and scams that may deter users from using the service. To fully use the potential of MFS technology, it is essential to address the challenges by incorporating robust security measures, designing user-friendly interfaces, and providing widespread education. This study also stresses the urgent need for stronger authentication protocols, enhanced data encryption, and comprehensive user education initiatives to secure m-wallet platforms that support sustainable digital financial inclusion in strengthening the economy.
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