Examining the Awareness of Mobile Money Users on Security Risks in Tanzania to Enhance Cybersecurity Literacy: A Case Study of Airtel Money

The proliferation of mobile money services in Tanzania has revolutionized financial inclusion, but it has also exposed users to increasing cyber threats. This study examines the level of cybersecurity awareness among mobile money users, focusing on Airtel as a case study, to identify gaps and opportunities for enhancing cybersecurity literacy. The research explores users’ exposure to formal training, the impact of Airtel’s educational materials, and users’ confidence in securing their accounts. Findings reveal a significant lack of formal training, with most users relying on Airtel’s security tips to develop cybersecurity knowledge. While these resources have improved user confidence, there is a demonstrated demand for structured workshops and comprehensive training programs. The study underscores the need for collaborative efforts between service providers, policymakers, and educational institutions to address these gaps. Enhancing cybersecurity literacy through accessible, interactive, and user-centred approaches is essential to fostering a secure mobile money ecosystem in Tanzania.