Seguridad en pagos digitales: Una revisión sistemática de amenazas y mecanismos de protección en plataformas de pagos digitales

Zaleth Valentina Rivas Calderón; Gian Franco Miguel Gonzalo Samana Ramírez; Alberto Carlos Mendoza De Los Santos

doi:10.37431/conectividad.v7i2.510

Autores/as

Zaleth Valentina Rivas Calderón National University of Trujillo https://orcid.org/0009-0003-3796-8971
Gian Franco Miguel Gonzalo Samana Ramírez National University of Trujillo https://orcid.org/0009-0007-7475-2474
Alberto Carlos Mendoza De Los Santos National University of Trujillo https://orcid.org/0000-0002-0469-915X

DOI:

https://doi.org/10.37431/conectividad.v7i2.510

Palabras clave:

Pagos digitales, Ciberseguridad, Amenazas digitales, Autenticación, Revisión sistemática

Resumen

La rápida expansión de los pagos digitales ha transformado la economía global, pero también ha expuesto a los usuarios a amenazas cibernéticas cada vez más sofisticadas. La presente investigación sistemática, pretende analizar una selección de artículos relacionados a los temas de amenazas de seguridad y mecanismos de protección en pagos digitales. Para este propósito, se ha utilizado el método PRISMA. Las bases de datos científicas utilizadas fueron ScienceDirect, Springer y IEEE Xplore. Fueron 21 los artículos seleccionados que cumplieron con los criterios de inclusión. Los resultados indican que el phishing, el robo de credenciales y el fraude son las amenazas más latentes y probables, por otro lado, la autenticación multifactor, la biometría, la inteligencia artificial y el blockchain son los mecanismos de protección que más se mencionan en los artículos revisados. Finalmente, las variables de la confianza del usuario, la seguridad percibida, la usabilidad y la transparencia institucional, entre otros, son factores críticos y relevantes para la adopción continua de este tipo de tecnologías. La conclusión general del estudio es que el futuro de la seguridad en pagos digitales estará marcado por la innovación tecnológica y la reputación institucional de sus proveedores.

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