Regulatory frameworks for ai in financial cybersecurity and mobile banking: Evidence from a systematic review
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Abstract
The accelerated digitalization of financial services and the expansion of mobile banking have increased the banking sector’s exposure to fraud, cyberattacks, data breaches, and opaque automated decisions. In this context, artificial intelligence has become a strategic tool for strengthening cybersecurity, although its adoption raises regulatory, ethical, and operational challenges that require systematic analysis. The objective of this article was to identify and classify existing global regulatory frameworks that address the use of artificial intelligence in cybersecurity within the financial sector and to assess their specific applicability to mobile banking platforms. A systematic review article was developed following criteria for the search, selection, and synthesis of specialized scientific literature, organized according to regulatory frameworks, mobile applicability, ethical challenges, and jurisdictional gaps. The results showed that existing frameworks are grouped into cybersecurity standards, data protection regulations, financial compliance schemes, and emerging approaches to algorithmic governance. However, their application to mobile banking remains partial, particularly in relation to biometrics, adaptive authentication, generative AI, behavioral data, and technology providers. It is concluded that mobile banking requires integrated, adaptable, and cross-border regulatory governance
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