Customers' Perception towards Cyber Crimes in Banking: A Study in Erode District
CHI NANJAPPA, S SATHISH · International Journal For Multidisciplinary Research · 2025
The increasing integration of digital technologies in India's banking sector has led to significant advancements in service delivery and customer convenience. However, the growing dependency on e-banking platforms has concurrently raised major concerns about cybercrime. This study focuses on understanding how customers perceive cyber threats in the context of e-banking and how demographic factors influence their behavioral intentions. The research was carried out in Erode District using primary data from 250 respondents selected through purposive sampling. Statistical tools such as percentage analysis and ANOVA were used to interpret the data. Findings indicate that while users are rapidly adopting mobile and online banking services, concerns about financial, social, and security risks remain strong determinants of trust and continued use. The study reveals that variables like age, education, occupation, marital status, and family size significantly influence risk perception. Based on these insights, suggestions have been made to enhance digital literacy and develop robust user-centric cyber security strategies in the banking sector.