• Dr R Vishnupriya
• Sahana S
• Shre Sathiya R
• Sri Abhishek R

The rapid advancement of digital technologies has significantly transformed the financial services sector, leading to the emergence of Digital Twin–based financial solutions. This study aims to analyze the level of awareness and perception of respondents towards digital technologies and services. The research is based on primary data collected from 150 respondents using a structured questionnaire. Statistical tools such as Average Score Analysis, Chi-square test, and ANOVA were applied for data analysis. The findings reveal that respondents exhibit high awareness of cyber security, artificial intelligence, and real-time analytics, while awareness of advanced tools like predictive analytics and simulation remains comparatively low. The study also finds that demographic factors have limited influence on perception, indicating a generally uniform outlook among respondents. The study concludes that enhancing awareness and simplifying technology adoption can improve the acceptance of Digital Twin–based financial services.

Digital Twin Technology, Financial Services, Awareness, Perception, Digital Transformation, Artificial Intelligence, Cybersecurity, Predictive Analytics, User Adoption, Statistical Analysis

"DIGITAL TWIN TECHNOLOGY IN FINANCIAL SERVICES: AN EMPIRICAL STUDY ON USER AWARENESS AND PERCEPTION", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 3, page no.f773-f776, March-2026, Available :http://www.jetir.org/papers/JETIR2603597.pdf

"DIGITAL TWIN TECHNOLOGY IN FINANCIAL SERVICES: AN EMPIRICAL STUDY ON USER AWARENESS AND PERCEPTION", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 3, page no. ppf773-f776, March-2026, Available at : http://www.jetir.org/papers/JETIR2603597.pdf