Published Paper Details:

One of the quickest and most simple methods to make payments these days is through the internet. The Internet banking and electronic commerce (E-commerce) sectors face significant challenges due to the potential threat of cyber security incidents. In order to close the gap between banks and clients, we first thoroughly analyze the cyber security of online banking in three developing nations and then suggest a novel strategy to lower the risk associated with cyber security. The suggested approach is based on the findings of online banking studies that were carried out in Saudi Arabia, Pakistan, and India. The survey's primary focus was on customers' online banking habits. The questions were designed to test users' understanding of prevalent dangers in online banking as well as their expertise of cyber security. The findings of this research, which used 1044 Internet The questions were designed to test users' understanding of prevalent dangers in online banking as well as their expertise of cyber security. Based on 92 online banking websites and 1044 Internet banking users, the study's findings reflect an increasing gap between what banks want from their customers and what they actually do. The suggested approach closes the gap by giving banks more accountability for lowering user cyber security risks.