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ORIGINAL PAPER
The growing importance of cybersecurity for mobile banking systems and the use of artificial intelligence in identifying cyber threats
Małgorzata Such-Pyrgiel 1
,
 
Anna Gołębiowska 2
,
 
Dariusz Prokopowicz 3
,
 
Ewa Listopadzka 4
,
 
Anna Mazurkiewicz-Pizło 5
 
 
 
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1
Alcide De Gasperi University of Euroregional Economy in Józefów
 
2
Fire Academy in Warsaw, Institute of Internal Security
 
3
Instytut Ekonomii i Finansów, Wydział Społeczno-Ekonomiczny, Uniwersytet Kardynała Stefana Wyszyńskiego w Warszawie
 
4
Department of Management, Kozminski University
 
5
Józef Piłsudski University of Physical Education in Warsaw, Faculty of Physical Education, Department of Management, Organization and Economics
 
 
Submission date: 2026-05-17
 
 
Acceptance date: 2026-06-19
 
 
Publication date: 2026-07-29
 
 
Corresponding author
Dariusz Prokopowicz   

Instytut Ekonomii i Finansów, Wydział Społeczno-Ekonomiczny, Uniwersytet Kardynała Stefana Wyszyńskiego w Warszawie
 
 
JoMS 2026;66(2):207-241
DOI: https://doi.org/10.13166/jms/224805
 
 
Article (PDF)
References (54)
 
KEYWORDS
digitization
cybersecurity
cybercrime
mobile banking
information technologies
artificial intelligence
cyber threats
 
TOPICS
ABSTRACT
Objectives:
This article analyzes the growing importance of cybersecurity in mobile banking amid rapid digitalization, particularly after the Covid-19 pandemic. It identifies key cyber threats related to mobile banking development and examines the role of artificial intelligence in detecting and mitigating cyber risks in the financial sector.

Material and methods:
The study applies literature analysis, desk research, and comparative methods based on scientific publications, industry reports, and financial studies. A qualitative and interdisciplinary approach was adopted, integrating economic, technological, and organizational perspectives.

Results:
The findings indicate that the expansion of mobile banking and digital transactions has increased cyber threats, further accelerated by the pandemic. Traditional protection methods are increasingly insufficient, while AI-based tools, including machine learning and big data analytics, significantly improve fraud detection, anomaly identification, and predictive threat analysis.

Conclusions:
Cybersecurity has become a critical challenge for mobile banking development. Integrating AI with cybersecurity systems enhances resilience against evolving threats and supports more effective risk management. Continuous advancement of security technologies is essential for maintaining trust and long-term stability in financial systems.
License
This work is licensed under a Creative Commons Attribution-ShareAlike 3.0 Unported (CC BY-SA)
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