Proposing a Cybersecurity Model for Electronic Banking Using a Grounded Theory Approach

The present study was conducted using a qualitative approach, and the research method was fundamental in terms of its objective. The analysis of this study was carried out using Grounded Theory. The statistical population included experts in electronic banking and cybersecurity from Bank Mellat, cybersecurity specialists from the Ministry of Petroleum, and academic experts. The study was conducted based on the perspectives of 15 experts from these domains. The data collection tool consisted of semi-structured interviews with semi-open-ended questions. Among the identified factors, axial coding was performed, and based on this, a linear relationship was established among the research categories, including core categories, causal conditions, contextual conditions, intervening conditions, strategies, and outcomes, leading to the development of a qualitative research model. The results of this study demonstrated that developing a cybersecurity model for electronic banking is essential, particularly in response to the increasing cybersecurity threats. Since cyber threats against the banking system undermine public trust in governance and pose a threat to national security, utilizing advanced technologies such as blockchain and machine learning, alongside user behavior analysis and organizational culture, can enhance security and increase customer trust in electronic banking services.