Cyber Literacy of Bank Customers: A Study in Udupi City

The rapid digitalisation of banking services has fundamentally transformed financial transactions in India. While online banking and digital payment platforms have enhanced convenience, efficiency, and accessibility, they have simultaneously increased customers’ exposure to cyber risks. A major concern is that a significant proportion of cybercrime incidents remain unreported, indicating deficiencies in cyber awareness and response mechanisms. This study examines the level of cyber literacy among bank customers in Udupi city, focusing on awareness of cyber threats, digital behavioural practices, and responses to fraudulent activities. Primary data were collected from 88 bank customers using a structured questionnaire. The analysis reveals that although most respondents actively use e-banking services, awareness of advanced cyber threats, secure digital practices, and formal reporting procedures remains inadequate. The study highlights the urgent need for structured cyber education initiatives by banks and regulatory authorities to strengthen customer cyber literacy and ensure the long-term sustainability of digital banking systems.