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User Preferences in Electronic Banking Security
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AI
DOI：10.18421/tem152-22.png)
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Abstract
En 中文
The secure use of electronic banking is critically important for its operation. This paper examines authentication methods and outlines prevalent cyber threats potentially affecting the security of electronic banking. The main goal of the paper is to investigate user preferences in the domain of electronic banking security and the importance of electronic banking security literacy from a user-centric perspective. The hypothesis, that user preferences in electronic banking security may seriously affect the level of safety of its provision and usage, is examined. The conducted survey of 874 Slovak electronic banking users investigates their preferences in the area of e-banking security using descriptive statistics. Empirical findings from the survey uncover deficiencies in user security literacy and behavior. The results highlight insufficient attention regarding safe usage rules and robust password practices. This research underscores the persistent vulnerability created by the human element and emphasizes the urgent need for improved, targeted bank-led user education campaigns. Furthermore, it calls for the continuous implementation of user-friendly, resilient security architectures that can both mitigate permanently evolving digital risks and effectively encourage sustained trust in electronic banking services.
Keywords:
Electronic banking
security
secure usage
user preferences
Journal
T
IF:
0.7
Papers:
273
Citations:
1.0K