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All Journal Jurnal Ilmiah Manajemen dan Bisnis Jurnal Ilmiah Telsinas Elektro, Sipil dan Teknik Informasi International Journal of Management Science and Information Technology (IJMSIT)
Sahnosh, Faqeed Ahmad
Unknown Affiliation
Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering

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Enhancing Customer Awareness of Cybersecurity Threats in E-Banking: A Study on the Role of AI-based Risk Communication Tools Hakimi, Musawer; Kohistani, Ahmad Jamy; Sahnosh, Faqeed Ahmad; Samadzai, Abdul Wahid; Enayat, Wahidullah
Jurnal Ilmiah Manajemen & Bisnis Vol 10 No 1 (2025)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/jimb.v10i1.6762

Abstract

With online banking on the rise, cybersecurity issues still occupy users' and financial institutions' minds. This study examines users' awareness of cybersecurity threats and their trust in artificial intelligence (AI) technology for fraud detection and risk communication in e-banking. A mixed-method design of quantitative survey of 384 users and qualitative interview of 20 participants was used to reflect broader insights. The survey quantified demographics, awareness of security protocols, and confidence in AI technology. Findings show that while users are very well aware of what to anticipate from repeated online threats and are careful with login passwords, they always fail to take the initiative concerning security practices like the changing of passwords. Overall, participants were confident in the application of AI systems, especially the efficiency and pace at which AI identifies fraud versus human agents. Skepticism was found for the effectiveness of chatbots based on AI. Statistical modeling showed that trust in AI strongly correlated with prior experience in cybersecurity, high rates of technology usage, and knowledge of online banking, with education level and age making little impact. The qualitative information further underscored the importance of personalized and clear communication from AI systems, suggesting that the way such machines talk to individuals can make or break trust. The study concludes by suggesting that user education at financial institutions should be enhanced, as well as developing AI systems with a method that employs personal communication approaches. The integration of human support with AI can potentially plug awareness gaps and improve security results across different user segments within the e-banking environment.
Evaluation of High-Tech Projects Failure Factors in Afghanistan Gharanai, Mohammad Hanif; Shahidzay, Amir Kror; Sahnosh, Faqeed Ahmad
International Journal of Management Science and Information Technology Vol. 5 No. 1 (2025): January - June 2025
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v5i1.3318

Abstract

Afghanistan ranks among the unfortunate low-income countries lacking viable and consistent electronic government systems, policies, and infrastructure for project execution. Despite the country's adoption of technology, digital systems and ICT projects remain inefficient and prone to vulnerabilities, hindering the delivery of reliable services to both the Afghan government and its citizens. This research assesses various technology-based projects to uncover the underlying causes of failures. The study’s main goals include pinpointing these root causes, exploring the link between policies and ICT initiatives, evaluating platforms and services, and offering recommendations to enhance the environment for the effective and timely execution of ICT projects. A focus on user-centered design is maintained throughout the research process, which employs a mixed-methods approach. This study provides valuable insights for both private and public sectors to implement projects more effectively. We aim for this research to shed light on the factors leading to failures during the planning, design, and implementation phases of projects, encouraging a reflective approach moving forward.
Artificial Intelligence and Legal Reform in Developing Countries: Advancing Ethical, Rights-Based, and Accountable Digital Governance Hakimi, Musawer; Zarinkhail, Shuaib; Sahnosh, Faqeed Ahmad
Jurnal Ilmiah Telsinas Vol 8 No 2 (2025)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/telsinas.v8i2.6934

Abstract

The appreciation and speed of technological development and deployment in artificial intelligence (AI) bring enormous risks and opportunities to the developing world. Developing countries are likely to have less vested systems of regulation which risk ethical liability, legal liability, and social inclusion. This article presents an interdisciplinary legal framework for AI regulation for developing countries for the responsible deployment of AI vis-a-vis innovation relative to fundamental human rights and ethical safeguards. Using a huge trove of scholarly articles, policy documents, and case studies dating from 2017 to 2025 from journals such as Springer, IEEE Access, Wiley, MDPI, and ACM, this research synthesizes interdisciplinary lessons in computer science, law, ethics, and social sciences. The review of the troves of data highlighted important aspects of regulation, risk management, and governance principles towards AI regulations in emerging economies. The model proposed in this paper includes a mandatory assessment process for AI, deal with standards for algorithmic explain ability, autonomous regulatory agencies, sectoral risks, principle of inclusive design, public education in digital literacy, and strong protections for human rights. Developing countries require a rights-based, multi-stakeholder regulatory approach that addresses the technical, ethical, and legal complexities of AI. Implementing such a framework will promote equitable AI innovation while safeguarding human rights and fostering sustainable development.
Co-Authors Enayat, Wahidullah Gharanai, Mohammad Hanif Hakimi, Musawer Kohistani, Ahmad Jamy Samadzai, Abdul Wahid Shahidzay, Amir Kror Zarinkhail, Shuaib