An AI-driven framework for cybersecurity awareness and user trust in indian digital banking
B Madhana, Dilshad Shaik, Gaurang Tank, Ankur Bahl, Mohammad Kanan · 2026
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Description
B Madhana and colleagues survey what builds trust in online banking in India, in a 2026 study of more than five hundred university students. Fast growth in digital banking has raised fears about fraud and data theft. The team asked how safety knowledge, felt threats, and teaching support from schools shape trust, then built predictive models on the answers.
Safety knowledge and school support both raised trust, while felt threats dragged it down. Knowledge also carried much of the effect of teaching, since students who learned more knew more and trusted more. A forest model predicted trust best among the tools tried. How students viewed AI tools strengthened the link from knowledge to trust, a point the authors press on banks and colleges alike.
Catalog record
| CREATOR | B Madhana, Dilshad Shaik, Gaurang Tank, Ankur Bahl, Mohammad Kanan |
|---|---|
| YEAR | 2026 |
| COLLECTION | PAPERS |
| FORMAT | TXT |
| FILE SIZE | 121183 |
| LICENSE | https://creativecommons.org/licenses/by/4.0 |
| RIGHTS | CC BY |
| SOURCE | Europe PMC |