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All Journal JOURNAL OF APPLIED INFORMATICS AND COMPUTING The Indonesian Journal of Computer Science
Mwansa, Gardner
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Computer Science & IT Electrical & Electronics Engineering Engineering

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Towards a Cashless Transactional Society Through the Adoption of Digital Banking Services Ngandu, Matipa Ricky; Mwansa, Gardner; Ntoyabo, Siwongiwe Queenest
The Indonesian Journal of Computer Science Vol. 14 No. 2 (2025): The Indonesian Journal of Computer Science
Publisher : AI Society & STMIK Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33022/ijcs.v14i2.4612

Abstract

This study explores the adoption of digital banking services in a rural South African town in the Eastern Cape, emphasizing its contribution to a cashless society. Employing a quantitative method, it examines digital banking usage, adoption challenges, and information security awareness. Data were collected through surveys and analyzed using descriptive statistics. Findings show that mobile and online banking are widely used for convenience and accessibility, with most users engaging in money transfers, credit payments, and online shopping. However, challenges such as poor digital literacy, infrastructure issues like internet access, cost of access, and cybersecurity concerns persist. Users face risks like phishing, hacking, and social engineering, revealing gaps in security awareness and trust. These issues particularly affect older users and those with limited technological experience. While digital banking improves financial inclusion and economic engagement in rural areas, its full potential is hindered by these barriers. The study underscores the need for digital literacy programmes, infrastructure improvements, and robust cybersecurity measures to build trust and ensure secure adoption. Future research should evaluate interventions, explore emerging technologies like blockchain and AI, and compare regional strategies for inclusive digital financial systems.
Cybersecurity Awareness in Government Institutions: A Systematic Review of Behavioral Strategies and Policy Readiness Mwansa, Gardner
Journal of Applied Informatics and Computing Vol. 9 No. 5 (2025): October 2025
Publisher : Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaic.v9i5.10041

Abstract

This study presents a systematic literature review of cybersecurity awareness in government institutions, focusing on how public agencies perceive, implement, and sustain awareness initiatives. It critically examines behavioral strategies, training methods, and policy frameworks that influence employee engagement and institutional readiness. Findings highlight the fragmentation of awareness efforts, gaps in policy coordination, and the need for behaviorally informed, role-specific interventions to build cyber resilience in the public sector. Recommendations include strengthening institutional infrastructure, leadership engagement, and adaptive learning strategies to enhance cybersecurity awareness and long-term resilience.
Co-Authors Ngandu, Matipa Ricky Ntoyabo, Siwongiwe Queenest