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@article{177026,
        author = {Dr.C.Mallesha and AYESHA THABASSUM},
        title = {CYBERSECURITY CHALLENGES IN THE AGE OF DIGITAL FINANCE},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {11},
        number = {12},
        pages = {282-289},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=177026},
        abstract = {Digitalization of financial systems in the post-COVID era has rapidly transformed how companies and individuals manage service access, investments, and transactions. But this shift has also significantly increased cybersecurity issues, therefore compromising individuals to crimes including identity theft, data breaches, phishing, and financial fraud. This paper examines the evolving cybersecurity challenges in digital finance by emphasizing post-pandemic threats, vulnerabilities caused by new technologies, the impact of cyberattacks on individuals, and the effectiveness of current regulatory systems. A systematic survey of 269 Hyderabad residents yielded primary data indicating a moderate level of awareness of cyber threats and poor reporting behavior among victims. Among the findings are lack of knowledge of reporting channels, psychological stress following attacks, and the continuous human error as a main vulnerability. Depending on the study, the report recommends targeted awareness campaigns, improved legal and institutional support systems, adoption of contemporary security architectures, and greater public-private collaboration. The results underline the urgent need of a whole and proactive approach to safeguard digital finance ecosystems and strengthen user resilience against more sophisticated cyber-attacks.},
        keywords = {Cybersecurity, Digital Finance, Post-COVID, Cyber Threats, Financial Fraud},
        month = {April},
        }