2026-10-31T12:40:12Zhttps://userhub.com.bd/oai-pmh/

oai:userhub.com.bd:119542024-10-02

Fraud Mitigation, Usability Challenges, and Financial Literacy in Mobile Financial Services for Rural Bangladesh Habibur Rahman Wahid bin Ahsan financial literacy fraud prevention MFS adoption mobile financial services rural Bangladesh This study examines barriers to mobile financial services (MFS) adoption in rural Bangladesh, focusing on usability challenges, reliance on intermediaries, fraud risks, and insufficient financial literacy. Through qualitative interviews with 18 MFS users, agents, and fintech experts, the findings reveal how low digital and financial literacy, alongside inadequate security protocols, exacerbate users' dependency on intermediaries, increasing their fraud exposure. The study highlights the urgent need for financial literacy programs, user-centered design improvements, and robust fraud prevention strategies to build trust and accelerate MFS adoption. These findings contribute to global research on financial inclusion, providing actionable recommendations for improving MFS usability and security in underserved areas. Userhub Userhub Journal 2024-10-02 info:eu-repo/semantics/article application/pdf https://doi.org/10.58947/journal.wpgr45 https://userhub.com.bd/publications/fraud-mitigation-usability-challenges-and-financial-literacy-in-mobile-financial-services-for-rural-bangladesh/ info:eu-repo/semantics/openAccess https://creativecommons.org/licenses/by/4.0/ https://userhub.com.bd/download/report/fraud-mitigation-usability-challenges-financial-literacy-mobile-financial-services-rural-bangladesh.pdf en