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The dynamic landscape of financial technology (Fintech) introduces a myriad of challenges and opportunities, with human factors playing a pivotal role in shaping the cybersecurity ecosystem within this domain. This review explores the intricate relationship between human factors and cybersecurity in the context of Fintech, aiming to navigate the evolving landscape. In the realm of Fintech, where the fusion of finance and technology is reshaping traditional banking and investment practices, understanding human behavior becomes paramount. Human factors encompass a spectrum of elements, including cognitive abilities, decision-making processes, and user behaviors, all of which significantly impact the effectiveness of cybersecurity measures. This paper delves into the nuances of these factors and their implications for securing financial transactions and sensitive data in Fintech platforms. One key aspect of human factors in Fintech cybersecurity is the user interface design. Intuitive and user-friendly interfaces enhance security by minimizing human errors and fostering a secure user experience. Conversely, poorly designed interfaces can inadvertently contribute to vulnerabilities. This paper explores the intersection of user experience design and cybersecurity protocols, aiming to strike a balance that promotes both usability and security. Moreover, the study investigates the psychological aspects of cybersecurity awareness and education in the Fintech sector. As financial transactions increasingly migrate to digital platforms, users' awareness of potential cyber threats becomes a critical line of defense. Analyzing the effectiveness of training programs and awareness campaigns, the paper explores strategies to enhance cybersecurity consciousness among Fintech users. The research illuminates the symbiotic relationship between human factors and cybersecurity within the dynamic Fintech landscape. By comprehensively understanding and addressing human elements in interface design, user awareness, and decision-making processes, the paper aims to provide insights that contribute to the development of robust cybersecurity frameworks tailored to the evolving needs of Fintech platforms.
Oladipo et al. (Sun,) studied this question.