CYBER SECURITY FRAMEWORK FOR RURAL DIGITAL BANKING

Abstract

Digital banking has become an important component of modern financial systems, providing users with convenient access to banking services through mobile applications and online platforms. In rural regions, digital banking plays a significant role in promoting financial inclusion by enabling individuals to access financial services without visiting physical bank branches. However, the rapid adoption of digital banking systems has also introduced numerous cybersecurity challenges, including phishing attacks, identity theft, malware infections, and unauthorized financial transactions. Rural users are particularly vulnerable to such cyber threats due to limited digital literacy and lack of awareness regarding online security practices.This research proposes a comprehensive cybersecurity framework specifically designed for rural digital banking systems. The proposed framework integrates multiple security mechanisms such as multi-factor authentication, encrypted communication protocols, and machine learning-based fraud detection techniques to enhance the security of digital banking transactions. The system continuously monitors transaction patterns and detects suspicious activities using intelligent fraud detection algorithms. In addition, the framework generates real-time alerts for suspicious transactions and prevents unauthorized access to banking accounts