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VOL. 9, ISSUE 2 (2025)
Emerging cyber threats in Indian Banking: A case study of conflict-affected regions (Jammu & Kashmir)
Authors
Tanzilla Shahid
Abstract
The digital revolution has transformed the Indian banking sector,
enabling faster transactions, improved financial inclusion, and enhanced
operational efficiency. However, this shift has also increased exposure to
cyber threats, particularly in regions affected by conflict, such as Jammu
& Kashmir. Banks in these areas face unique challenges, including frequent
internet restrictions, underdeveloped IT infrastructure, and political
instability, which heighten vulnerability to cyberattacks. This study examines
emerging cyber threats targeting public and private banks in these regions,
with a focus on malware, phishing, ransomware, insider threats, and
vulnerabilities in online and mobile banking platforms. A case study
methodology was adopted, utilizing primary data collected through interviews
with bank officials and IT personnel, complemented by secondary sources
including government reports, academic journals, and industry publications. The
analysis identifies the impact of cyber threats on financial institutions,
operational continuity, and customer trust. Based on these findings, the study
provides strategic recommendations to strengthen cybersecurity frameworks,
enhance threat intelligence, and promote collaboration between banks,
regulatory authorities, and technology partners.
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Pages:8-11
How to cite this article:
Tanzilla Shahid "Emerging cyber threats in Indian Banking: A case study of conflict-affected regions (Jammu & Kashmir)". International Journal of Advanced Engineering and Technology, Vol 9, Issue 2, 2025, Pages 8-11
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