Enhancing cybersecurity in Moroccan banking: A strategic integration of AI, blockchain, and business intelligence

Chaouki Chouraik *

Legal and Political Studies Laboratory, Legal and Political Sciences Faculty, Hassan 1st University, Settat, Morocco.
 
Review
International Journal of Science and Research Archive, 2024, 13(02), 1723–1734.
Article DOI: 10.30574/ijsra.2024.13.2.2312
Publication history: 
Received on 17 October 2024; revised on 26 November 2024; accepted on 29 November 2024
 
Abstract: 
The rapid digitization of the banking sector in Morocco has significantly transformed financial services, enhancing accessibility and convenience for customers. However, this shift has also introduced substantial cybersecurity challenges, as financial transactions and sensitive data increasingly migrate online. This paper examines the critical cybersecurity threats facing Moroccan banks, including data breaches, identity theft, and fraud, while highlighting the inadequacies of traditional security measures in addressing these modern threats. To combat these challenges, we propose an integrated cybersecurity strategy that leverages Artificial Intelligence (AI), Blockchain technology, and Business Intelligence (BI). This approach aims to enhance real-time threat detection, secure transactions, and optimize decision-making through data-driven insights. By adopting this comprehensive framework, Moroccan banks can strengthen their cybersecurity posture, protect customer data, and foster trust in an increasingly digitalized financial ecosystem. The paper concludes with a discussion of the implementation strategies necessary for successfully integrating these technologies into banking operations, emphasizing the importance of collaboration, innovation, and adaptability in navigating the evolving cybersecurity landscape.
 
Keywords: 
Moroccan banking; Cybersecurity; Artificial Intelligence (AI); Blockchain; Business Intelligence (BI)
 
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Copyright © 2024 Author(s) retain the copyright of this article. This article is published under the terms of the Creative Commons Attribution Liscense 4.0