ISSN (Online) : 2456 - 0774

Email : ijasret@gmail.com

ISSN (Online) 2456 - 0774

A STUDY ON USER AWARENESS AND THREAT PERCEPTION IN DIGITAL PAYMENT

Abstract

The increasing adoption of digital payment systems has brought convenience and speed to financial transactions, but it hasalsoopened new avenues for cyber threats. From phishing attacks to data breaches, cybersecurity issues in digital transactions areagrowingconcern for users, businesses, and regulators alike. This paper investigates the level of cybersecurity awareness amongdigital paymentusers, particularly in semi-urban regions. Using primary survey data from users, the study examines user behavior, threat perception,andsecurity practices. Findings suggest a considerable awareness gap and highlight the need for proactive user education, betterplatformlevel security design, and regulatory enforcement to ensure safe digital payment ecosystems. Keywords:Cybersecurity, Digital Payment Systems, User Awareness, Online Threats, Data Protection, Safe Practices

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Paper Submission Open For August 2025
UGC indexed in (Old UGC) 2017
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