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Cybersecurity for E-Banking and E-Commerce in Pakistan: Emerging Digital Challenges and Opportunities
Abstract
Digital banking allows banks to make their new products more readily available, as they can package them with their essential software that has implications for cybersecurity. Internet presence also allows banks to extend their geographical reach without overbearing costs. In Pakistan, most internet offerings currently used by banks are more based on information than transactions; therefore, the issues for cybersecurity have gained high interest. The offerings on the websites by banks generally seem like electronic brochures. As they mainly offer company events, product information, along with a list of services rendered. Pakistan has various barriers to e-commerce, such as relatively few internet users, inadequate infrastructure (i.e., frequent power failures, fewer phone lines), and lack of cybersecurity for online transactions being hacked. The Government of Pakistan is rigorously working on these areas to overcome respective problems and progress in this sphere. This research focuses on the challenges for e-banking and e-commerce in Pakistan and issues relating to cybersecurity.
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