A responsabilidade legal dos bancos na prevenção e investigação de crimes cibernéticos em Moçambique

Abstract

With the advancement of digital technologies, the banking system faces growing challenges in combating cybercrimes. This paper analyzes the legal responsibility of banks in preventing and investigating cybercrimes, highlighting the role of financial institutions in data protection and the security of digital transactions. The research explores relevant legislation, such as the Law 3/2017 of 9 of January, and international banking security standards, in addition to discussing the defense mechanisms used by institutions, such as monitoring systems and encryption. It also examines the collaboration efforts between banks, regulatory authorities, and public security agencies in investigating cyber frauds. Through a review of the literature and case studies, the paper proposes solutions to strengthen the role of banks in combating cybercrimes, suggesting improvements in existing practices and regulations. The study also reflects on the shared responsibility among the involved parties to ensure a secure environment for digital financial transactions