A study of electronic banking users has found that cybersecurity depends not only on knowledge of digital threats but also on attitudes, memory, and the user’s relationship with technology. Details are published in the International Journal of Information and Computer Security. The researchers looked at how customers translate cybersecurity knowledge into behaviour. The work addresses a gap in this area of research, which has previously focused largely on employees rather than customers.
The team used structural equation modelling, a statistical technique for testing relationships between variables, to analyse survey data from 772 electronic banking users in India. The survey asked questions about the users’s extended knowledge, attitude, and behaviour. The resulting framework shows what people know and what they believe influences their actions.
Perhaps obviously, the team found that a bank’s efforts to educate customers with regard to cybersecurity as well as the initiatives of customers themselves, help build overall knowledge. Customers with a positive attitude towards security, who can recall relevant information and have greater knowledge of the risks and how to avoid them, were like to exhibit safer online behaviour.
However, the more technically minded a customer, the more likely there were to have a positive attitude towards their banking security, but the more likely they were to take risks, assuming their familiarity and confidence would protect them from scams and malicious third parties.
Prasanna, S., Mariappan, V., Pradeepa, S.P.N., Mani, R. and Saravanan, S. (2026) ‘Cyber-savvy or cyber-sloppy? Exploring Indian e-banking users’ security behaviour’, Int. J. Information and Computer Security, Vol. 31, No. 1, pp.1–23.
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