A Review of Cybersecurity Awareness and Its Impact on Continuous Online Banking Usage among Students

HRMARS - Online banking has become an essential financial service, particularly among university students who rely heavily on digital platforms for daily transactions. However, the increasing dependence on online banking also exposes users to cybersecurity threats such as phishing, hacking, and data breaches, which may undermine trust and reduce continuous usage. Despite technological safeguards implemented by banks, limited cybersecurity awareness among users remains a critical issue, especially within the Malaysian university context. This review paper aims to identify the opportunities, challenges, and future research directions related to cybersecurity awareness and its influence on continuous online banking usage among students. A theory-based literature review method was employed, synthesizing prior studies and applying the DeLone and McLean Information Systems Success Model to examine the relationships between awareness, satisfaction, trust, and continuance intention. The findings indicate that cybersecurity awareness enhances customer satisfaction and trust, supporting continuous usage, while challenges persist due to evolving threats and user behavior vulnerabilities.