Indian banking industry has witnessed a tremendous growth in its digital footprints. Consumers have become accustomed to online banking particularly through mobile apps and Unified Payment Interface (UPI). Digital banking platforms make use of internet for opening accounts, e-KYC, performing online purchases, funds transfer and investments. As the banking services are exposed to internet a robust cyber security framework is required to protect consumer personal information and bank's deposits. While banks are making huge expenditure on technology deployment for cyber security, consumer behaviour also plays a great role in protecting their data and funds in their accounts. The present study analyses consumers’ online browsing behaviour and its impact on cyber threats in digital banking sector resulting in cyber-crime. The study also examines impact of browsing behavior on cyber threats. The data for study is collected from 300 individuals who are using online banking apps, IMPS and UPI etc. to collect data structured questionnaire is prepared with multiple choice options, Likert scale etc. Statistical tools used for study include descriptive statistics, one way ANOVA & correlation coefficient. The study indicates that online browsing behaviour of consumer has a significant impact on cyber-crime and cyber threats.
Download
Download XML