This study focused on the risks and vulnerabilities associated with mobile banking apps in the Kenyan banking sector. While these apps offer convenience and accessibility, they are also exposed to various threats that can compromise user information and financial transactions. The study aimed to identify these risks, vulnerabilities, and attack routes specific to Kenyan mobile banking apps and provide remedies to enhance their security. The research had three main goals. Firstly, it seek to examine and evaluate the primary vulnerabilities and attack vectors affecting Kenyan mobile banking apps and understand their impact on user data and financial transactions. Secondly, it aimed to assess the common flaws in these apps, considering both technological issues and user behavior patterns. Lastly, it aimed to propose appropriate security measures customized for the Kenyan banking sector, considering user behavior and technological advancements. This included exploring encryption, multi-factor authentication, and user awareness programs to promote secure banking habits. The research intended to assist financial institutions and customers in enhancing the security of their mobile banking experiences by conducting a thorough assessment of risks and vulnerabilities in Kenyan mobile banking apps and offering practical advice. It emphasized the importance of understanding and addressing the specific challenges faced by the Kenyan banking sector to ensure secure and reliable financial transactions through mobile platforms.