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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM67835
Volume:
10 |
10 |
Oct 2026
Pages:
1-3
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.

Department of Master of Computer Application
JCEI’s Jaihind Institute of Management and Research, Kuran, Pune
Department of Master of Computer Application
JCEI’s Jaihind Institute of Management and Research, Kuran, Pune
Widespread consumer reliance on mobile banking, virtual payments, and electronic commerce has exposed everyday internet subscribers to an aggressive array of digital hazards, including social engineering deception, phishing, credential theft, and ransomware extortion. While network security perimeters have matured, human cognitive vulnerability remains the primary entry point exploited during security compromises. This empirical study investigates the interplay among cybersecurity awareness, subjective risk appraisal, and practical defense habits among 412 active internet users. Grounded in the Knowledge-Attitude-Behavior (KAB) model and Protection Motivation Theory (PMT), our investigation evaluates subscriber capability across password hygiene, two-factor authentication (2FA), deceptive link detection, and public network precautions. Field findings uncover a pronounced 'knowledge-action gap': while 88.6% of respondents display sound theoretical comprehension of cyber perils, only 38.6% routinely apply essential safeguards in daily browsing. Multivariate logistic regression confirms that perceived self-efficacy (OR = 3.12, p < 0.001) and threat severity (OR = 2.45, p < 0.001) govern protective habit formation far more decisively than factual knowledge alone (OR = 1.28, p = 0.082). We propose actionable default protections and practical interventions to narrow this cognitive-behavioral divide.
KEYWORDS
This investigation assessed the behavioral dynamics governing cybersecurity awareness and safety compliance across N = 412 active internet users. Our findings provide convincing empirical evidence that factual knowledge alone does not reliably translate into safe online habits. The pronounced divergence between awareness (88.6%) and daily practice (38.6%) demonstrates that user inaction is primarily driven by configuration friction, mental fatigue, and low self-efficacy rather than simple ignorance. Multivariate regression confirms that bolstering user confidence in operating defensive tools and cultivating realistic risk awareness exerts more than twice the behavioral influence of circulating factual threat warnings. Consequently, academic institutions and application developers must replace passive lecture-based compliance with seamless, friction-free default safeguards that shield consumers without overloading their cognitive bandwidth.
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Publication Date
10/12/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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