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Stream/Area:
-
Subject:
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Paper ID:
IJSREM67793
Volume:
10 |
10 |
Oct 2026
Pages:
1-13
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Bachelor of Business Administration
Koneru Lakshmaiah Education Foundation (KLEF).
Bachelor of Business Administration
Koneru Lakshmaiah Education Foundation (KLEF).
While digital banking has made the day-to-day financial transactions faster and convenient, it's opened the floodgates for customers to fall prey to phishing, OTP fraud, identity theft and unauthorised transactions. In this study, the link between the cybersecurity awareness of customers and the usability of authentication methods to digital banking is discussed. The structured questionnaire with five-point likert scale was used to respondents (digital banking users) in Andhra Pradesh, India. Data screening resulted in 19 unique respondents being included in analysis. The analysis applied to the data was chi-square test, one-way ANOVA and linear regression. Cybersecurity awareness and authentication usability were both positively and significantly related to secure banking behaviour with strong level of association (r = .788, p < .001; r = .690, p = .001, respectively). When combined, they accounted for 71.5% of the variance (adjusted R2 = .679), with awareness being the better predictor (β = .586) than usability (β = .366). Gender, age group, frequency of use and years of use were not significantly associated with secure behaviour, while high awareness and high usability were significantly associated with high secure behaviours. Generalisation was limited by the small sample and the effect of the usability was less consistent when applying bootstrap resampling. The results indicate that the banks should "marry" the easy, convenient authentication methods with ongoing customer awareness campaigns, especially regarding reporting suspicious activity.
KEYWORDS
This research study focuses on the relationship between cybersecurity awareness and authentication usability to secure the digital banking behaviour. The secure behaviour was strongly and positively related to both and together accounted for approximately 72% of the variance in secure behaviour, with awareness being the stronger of the two. Practices were significantly higher for customers who had a high awareness or high usability perceptions, and there was no significant relationship between frequency of use, duration of use, and gender for this small sample. Technical security and customer understanding must both progress to ensure secure digital banking, banks must ensure authentication is easy to use and invest in awareness, particularly for recognising and reporting suspicious activity. These findings need to be replicated with more diverse and larger sample sizes to validate and extend the findings
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Publication Date
10/10/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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