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Vol.15, No.2, May 2026. ISSN: 2217-8309 eISSN: 2217-8333
TEM Journal
TECHNOLOGY, EDUCATION, MANAGEMENT, INFORMATICS Association for Information Communication Technology Education and Science |
User Preferences in Electronic Banking Security
Martin Vejačka
© 2026 Martin Vejačka, published by UIKTEN. This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License. (CC BY-NC-ND 4.0)
Citation Information: TEM Journal. Volume 15, Issue 2, Pages 1200-1211, ISSN 2217-8309, DOI: 10.18421/TEM152-22, May 2026.
Received: 23 June 2025.
Abstract:
The secure use of electronic banking is critically important for its operation. This paper examines authentication methods and outlines prevalent cyber threats potentially affecting the security of electronic banking. The main goal of the paper is to investigate user preferences in the domain of electronic banking security and the importance of electronic banking security literacy from a user-centric perspective. The hypothesis, that user preferences in electronic banking security may seriously affect the level of safety of its provision and usage, is examined. The conducted survey of 874 Slovak electronic banking users investigates their preferences in the area of e-banking security using descriptive statistics. Empirical findings from the survey uncover deficiencies in user security literacy and behavior. The results highlight insufficient attention regarding safe usage rules and robust password practices. This research underscores the persistent vulnerability created by the human element and emphasizes the urgent need for improved, targeted bank-led user education campaigns. Furthermore, it calls for the continuous implementation of user-friendly, resilient security architectures that can both mitigate permanently evolving digital risks and effectively encourage sustained trust in electronic banking services.
Keywords – Electronic banking, security, secure usage, user preferences. |
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