izvorni znanstveni rad
Cybersecurity is the foundation for preserving confidentiality and integrity in the modern digital age. It is crucial for the security of individuals, organizations, and
society. This paper is based on these premises, exploring the impact of demographic factors on user perceptions and behaviors regarding cybersecurity in digital banking. The study draws on the socio-technical systems theory, which examines the relationships between social and technical elements within technology usage. The research was conducted through an online survey distributed via posts on social networks such as Facebook, LinkedIn, and Twitter and by emailing the survey to target groups currently engaged in secondary or higher education or already employed. The study involved 212 respondents divided into six age groups. The sample (n=212) was achieved with 100% response quality and a standard deviation of 0%. The research aimed to understand how demographic characteristics, particularly age, influence interactions with digital banking technology and cybersecurity practices. Using multiple regression analysis, two hypotheses were tested hypothesis 1: Older users (aged 45 and above) demonstrate a higher level of caution in online payments compared to younger users (aged up to 44) was rejected, and hypothesis 2: A higher level of education positively influences users’ understanding of security when making online payments with bank cards confirmed. The results indicate that education is a significant predictor of a sense of security, with users having higher
levels of education reporting a greater sense of security during online payments. Age and employment status did not prove to be statistically significant factors in
explaining users’ sense of security within this sample. However, age showed a negative effect, suggesting that older users feel less secure.
cybercrime; cybersecurity; digital banking; cyber fraud; online payments
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