Impact of <scp>5G</scp> ‐Edge Fraud Detection on Online Banking Acceptance: A Protection Motivation Theory Perspective

ABSTRACT Online banking loss has passed USD 28 billion already in 2023 and this is an eye opener on how significant the issue is. This paper examines how edge‐based fraud detection with 5G can affect the readiness of the people to do online banking based on Protection Motivation Theory. The analysis was conducted with structured equation model at 487 users (South Asia, Southeast Asia, and East Africa). This is what is remarkable. Response efficacy ( β = 0.381, p &lt; 0.001) and self‐efficacy ( β = 0.294, p &lt; 0.001) clearly shape users' intention to adopt secure systems. In simple terms, individuals feel the system is functional and they can rely on it and, therefore, adopt it. Trust is also a significant factor that serves as a link that reinforces coping behavior ( β = 0.518, p = 0.001). Technically, the enhancements can hardly be overlooked. Latency is decreased by 73, 487–131 , and fraud detection performance is increased up to 95.1%. The smart routing on the hybrid edge‐cloud architecture and its performance increase has made the end users feel much safer, which is precisely what the contemporary digital banking requires.