Published Paper Details:

This study examines the growing cyber security challenges associated with the rapid adoption of digital financial platforms. With increasing dependence on online banking, mobile payments, and digital transactions, users are becoming more vulnerable to cyber threats such as phishing, identity theft, online fraud, and unauthorized access. The main purpose of this study is to analyze the extent of cyber security vulnerabilities faced by digital finance users in Karnataka and to evaluate the role of cyber security awareness in reducing such risks. The objectives of the study are to identify the impact of cyber threats, particularly phishing and online fraud, on users in Karnataka and to analyze the impact of cyber security awareness among users of digital financial platforms. The study adopts a descriptive research design and uses convenience sampling to collect primary data from 401 respondents across Karnataka. Data analysis was conducted using JAMOVI software, employing statistical tools such as ANOVA and T-test to examine variations and relationships among variables. The findings of this research are expected to contribute to academic research, policy formulation, financial institutions, and digital platform providers by enhancing awareness and strengthening cyber security practices among users of digital financial services.