Study On Internet Banking Adoption And Security Awareness

Abstract

Internet banking has transformed the modern banking system by providing customers with convenient, fast, and cost
effective financial services through digital platforms. The increasing penetration of smartphones, internet 
connectivity, and digital financial technologies has significantly accelerated the adoption of internet banking 
worldwide. However, concerns related to cybersecurity, privacy protection, fraud, and lack of security awareness 
continue to influence customer trust and adoption behavior. This paper examines the factors affecting internet banking 
adoption and analyzes the role of security awareness in shaping customer confidence and usage intentions. The study 
highlights the importance of perceived usefulness, ease of use, trust, technological readiness, and cybersecurity 
awareness in promoting internet banking services. The paper concludes that financial institutions must strengthen 
security measures, customer education, and digital trust to enhance internet banking adoption and customer 
satisfaction.