Assessing Security, Accessibility, Usability, and Privacy Attributes Of Virtual Banking in Saudi Arabia

Abstract

In this study, the integration of technological advancements in the banking sector was explored, with a specific focus on the development and implementation of virtual banking applications. These applications, designed to provide banking services through digital platforms, were examined in the context of their adoption in Saudi Arabia, which has been comparatively slower. This observation led to the conduct of this research, aiming to understand the cybersecurity landscape within the Saudi Arabian virtual banking sector. The primary objective of the study was to assess critical aspects such as security, privacy, accessibility, and usability of these virtual banking applications. To address the identified gap in existing literature, primary data was collected directly from users of virtual banking in Saudi Arabia. This data collection was conducted through a questionnaire survey, utilizing Qualtrics as the online data collection channel.