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eISSN: 2581-9615 || CODEN: WJARAI || Impact Factor 8.2 ||  CrossRef DOI

Research and review articles are invited for publication in September 2026 (Volume 31, Issue 3) Submit manuscript

CYBERSECURITY RISKS IN OPEN BANKING SYSTEMS: THREATS, VULNERABILITIES, AND MITIGATION STRATEGIES

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  • CYBERSECURITY RISKS IN OPEN BANKING SYSTEMS: THREATS, VULNERABILITIES, AND MITIGATION STRATEGIES

Tomilola Ayeni *

University of Northampton, Northampton, United Kingdom.
* Corresponding Author

Research Article

 

World Journal of Advanced Research and Reviews, 2026, 31(02), 723–729

Article DOI: 10.30574/wjarr.2026.31.3.2300

DOI url: https://doi.org/10.30574/wjarr.2026.31.3.2300

Received on 28 July 2026; revised on 02 September 2026; accepted on 05 September 2026

Open banking enables secure data sharing through application programming interfaces, driving innovation in financial services. However, this model introduces cybersecurity risks, including API vulnerabilities, data breaches, and third-party exposure. This paper reviews existing literature on these risks and examines mitigation strategies. Evidence indicates that strong authentication, encryption, regulatory compliance, and continuous monitoring improve system security. The study highlights the importance of standardized protocols and collaborative governance in ensuring secure open banking ecosystems.

Open Banking, Cybersecurity, APIs, Financial Technology, Data Protection

https://wjarr.com/sites/default/files/fulltext_pdf/WJARR-2026-2300.pdf

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Tomilola Ayeni. CYBERSECURITY RISKS IN OPEN BANKING SYSTEMS: THREATS, VULNERABILITIES, AND MITIGATION STRATEGIES. World Journal of Advanced Research and Reviews, 2026, 31(03), 783–785. Article DOI: https://doi.org/10.30574/wjarr.2026.31.3.2300

Copyright © Author(s). All rights reserved. This article is published under the terms of the Creative Commons Attribution 4.0 International License (CC BY 4.0), which permits use, sharing, adaptation, distribution, and reproduction in any medium or format, as long as appropriate credit is given to the original author(s) and source, a link to the license is provided, and any changes made are indicated.

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