• Dr. Pushpa Verma
• Laxita Choubisa

The rapid expansion of digital payment systems has altered financial transactions while increasing concern over cybersecurity risks. As these platforms become part of routine economic activity, users’ perceptions of security threats play an increasingly important role in shaping their willingness to adopt and continue using digital payment services. This study examines how users perceive cybersecurity threats associated with digital payment systems and how these perceptions influence usage behaviour. A quantitative explanatory design was adopted, with data collected from 262 users through a structured questionnaire. Likert scale instruments were used to measure perceived cybersecurity threats and usage behaviour, and the relationship between these variables was analysed using simple linear regression. The findings reveal that perceived cybersecurity threats have a statistically significant negative influence on usage behaviour. Higher levels of perceived risk are associated with reduced engagement with digital payment platforms. These results highlight the behavioural implications of cybersecurity concerns and offer practical insights for strengthening user confidence and trust within digital payment environments.

"Cybersecurity Threat Perceptions and Usage Behaviour in Digital Payment Systems: An Empirical Study", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 1, page no.b618-b625, January-2026, Available :http://www.jetir.org/papers/JETIR2601192.pdf

"Cybersecurity Threat Perceptions and Usage Behaviour in Digital Payment Systems: An Empirical Study", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 1, page no. ppb618-b625, January-2026, Available at : http://www.jetir.org/papers/JETIR2601192.pdf