• Mr. Pawan Vakil Gupta
• Dr. Abhilasha N

This study explores how aware people in India are about banking scams and how they perceive the safety of digital banking. As online banking, UPI, and mobile payment services grow, scams such as phishing, vishing, OTP fraud, and ATM skimming have also increased. Findings from 110 respondents show that although many people use digital banking regularly, their understanding of scam techniques and safe practices is still limited. Some users feel confident using digital services but remain unaware of common risks. The study also reveals that awareness campaigns by banks and the RBI do not reach all customers effectively. Demographic factors like age and education influence how people view digital banking security. Overall, the research highlights the need for stronger awareness programs, better communication, and improved safety measures. Strengthening digital literacy is essential for building trust and reducing fraud in India’s growing digital banking ecosystem.

Public Awareness, Public Perception, Banking Scams, Digital Banking Frauds, Phishing

"A STUDY ON PUBLIC AWARENESS AND PERCEPTION OF BANKING SCAMS IN INDIA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 1, page no.190-198, January-2026, Available :http://www.jetir.org/papers/JETIRHH06026.pdf

"A STUDY ON PUBLIC AWARENESS AND PERCEPTION OF BANKING SCAMS IN INDIA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 1, page no. pp190-198, January-2026, Available at : http://www.jetir.org/papers/JETIRHH06026.pdf