Skoči na glavni sadržaj

Izvorni znanstveni članak

https://doi.org/10.31341/jios.46.1.6

Towards an Improved Framework for E-Risk Management for Digital Financial Services (DFS) in Ugandan Banks: A Case of Bank of Africa (Uganda) Limited

Andrew Arim ; CANCOM Public GmbH, Granatenstrasse, 19-20, Berlin, 13409, Germany
Joseph Wamema ; African Centre for Agroecology and Livelihood Systems, Uganda Martyrs University, Kampala, 5498, Uganda


Puni tekst: engleski pdf 821 Kb

str. 103-127

preuzimanja: 174

citiraj


Sažetak

One of the predominant challenges facing banks in low resource countries is the management of Digital Financial Services (DFS) risks. Many banks are making worthwhile efforts to boost the factors that make them come on top of the challenges, unfortunately they have fallen short. This article sought to develop an e-risk management framework for DFS in Ugandan banks. Design Science Research paradigm, a mono-method qualitative research method and a case study research strategy was adopted. Questionnaires, interviews and document review were the main data collection methods. Findings from this study indicate that banks in Uganda use a handful of DFS business models and face a number of DFS risks including; talent for DFS, technology, strategy, governance, product, client acquisition, crime/fraud, regulation, and agent management among others. Notwithstanding, Ugandan banks should carefully balance IT spend across customer expectations, improve cybersecurity and internal process and regularly check its IT security.

Ključne riječi

E-Risk; Digital Financial Services; Digital Risk Management; Bank Risk Management; Information Security; Cybersecurity

Hrčak ID:

279876

URI

https://hrcak.srce.hr/279876

Datum izdavanja:

29.6.2022.

Posjeta: 494 *