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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM63537
Volume:
10 |
5 |
May 2026
Pages:
1-5
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.
Master of Computer Application
Bapuji Institute of Engineering and Technology
Master of Computer Application
Bapuji Institute of Engineering and Technology
The rapid expansion of digital banking in India driven by nationwide initiatives such as Digital India has played a vital role in improving financial inclusion especially in underserved regions. While this transformation accessible it has also introduced serious security challenges particularly adoption is increasing amid limited cybersecurity awareness and infrastructure. These conditions make rural users more vulnerable to cyber threats and financial fraud. This project presents a Cyber Security Framework for Rural Digital Banking a specialized and robust solution designed to address the distinct security concerns faced by rural communities. The primary aim of the framework is to establish a secure reliable and user- friendly digital banking environment that builds user confidence and promotes wider acceptance of digital financial services. Existing rural banking systems often depend on insufficient to protect against modern and sophisticated cyberattacks. To overcome these limitations the proposed framework incorporates end-to-end encryption to ensure the confidentiality and integrity of all transactions and communications. It integrates Artificial Intelligence and Machine Learning techniques to enable real-time fraud detection and anomaly analysis allowing threats to be identified and mitigated proactively. In addition the framework implements secure API .
KEYWORDS
The "Cyber Security Framework for Rural Digital Banking" project presents a comprehensive and forward-thinking solution to one of the most pressing challenges in the journey towards complete financial inclusion. The future of India’s economic stability is being written in its villages. As digital banking shifts from a luxury to a lifeline for the rural population the "security gap" has become a matter of social justice. This project “Cyber Security Framework for Rural Digital Banking” serves as a vital intervention replacing the fragile "one-size-fits-all" security models of the past with a defense system built on empathy and technical rigor. Existing systems have long relied on a "checkbox" approach to security deploying basic OTPs and firewalls that were never designed for the unique pressures of rural infrastructure or the tactics of modern social engineers. By acknowledging these failures our framework introduces a layered ecosystem of trust. Ultimately the significance of this particular project goes beyond the realm of preventing manin-the-middle attacks and securing API gateways .The farmer when assured of the financial security of his earnings for the season by the latest cryptography and easiest biometrics brings the revolution into the economy which was nothing but a cause for concern for him.
1. Baldwa A. & Agarwal S. (2025). The role of cyber law in promoting digital financial inclusion in rural India. International Journal of Creative Research Thoughts (IJCRT) IJCRT2502087. 2. QRC Solutions. (2020). Cyber security framework for rural cooperative banks. QRC Solutionz. 3. Sharma R. & Gupta A. (2019). Cybersecurity challenges in rural banking: A review. International Journal of Computer Applications 182(20) 15–19. 4. Singh P. & Mehta R. (2021). Digital banking in rural India: Security risks and mitigation strategies. Journal of Financial Technology and Innovation 3(1) 45–52. 5. Mishra T. & Das B. (2023). User awareness and cyber hygiene in rural digital finance. Journal of Rural Technology and Development 6(3) 27–34.
Publication Date
5/20/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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Conflict of Interest
The authors declare no conflict of interest related to this research work.
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