A Study of e-Banking Security Awareness and Cognitive Development Among PGDAV College (Evening) Students
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Abstract
The rapid growth of digital banking in India has increased the importance of cybersecurity awareness among young users. College students frequently use online banking services such as UPI, mobile banking, net banking, and digital wallets. However, their level of security awareness and cognitive understanding of online threats may vary. This study examines the level of e-banking security awareness and its relationship with cognitive development among students of PGDAV College (Evening), Delhi University. The study is based on both primary and secondary data. Primary data was collected from 150 students using a structured questionnaire. Descriptive and inferential statistical tools were applied to analyze the data. The results indicate that while most students actively use digital banking services, gaps exist in understanding phishing, OTP fraud, and data privacy risks. The study concludes that awareness programs can significantly improve cognitive decision-making related to digital financial safety. The findings are useful for banks, policymakers, and educational institutions.
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References
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