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All Journal Journal of Technology and Informatics (JoTI)
Shamsi, Qamaruddin
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Computer Science & IT Control & Systems Engineering Electrical & Electronics Engineering Engineering Mechanical Engineering

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Challenge and Opportunity of Mobile Banking in Afghanistan Naseri, Mohammad Fahim; Frugh, Qurban Ali; Shamsi, Qamaruddin
Journal of Technology and Informatics (JoTI) Vol. 7 No. 1 (2025): Vol. 7 No.1 (2025)
Publisher : Universitas Dinamika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37802/joti.v7i1.896

Abstract

Mobile banking is a major advancement in information technology, transforming the banking system by enabling users to conduct transactions anytime, anywhere. In Afghanistan, it was first introduced in 2017 by Azizi Bank, leading the way in accessible banking. However, several challenges remain. This study examines the challenges and opportunities of mobile banking in Afghanistan using a mixed-methods approach. Data was collected through surveys and interviews. Findings show that only 12% of respondents see mobile banking as secure and convenient, while 88% express concerns over cybersecurity risks, network reliability, weak internet infrastructure, unstable income, and lack of trust in banking services. The study also highlights key barriers such as low digital literacy, regulatory challenges, limited infrastructure, low income levels, public distrust after political transitions, and poor internet access. Despite its potential, overcoming regulatory, infrastructural, and socio-economic challenges is crucial for the growth of mobile banking in Afghanistan. The result is mobile banking in Afghanistan is currently facing major problems that investment in this sector has not been made and what is needed, mobile banking services in Afghanistan have not grown.
Co-Authors Frugh, Qurban Ali Naseri, Mohammad Fahim