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VOL. 11, ISSUE 2 (2025)
A regional taxonomy of cyber threats in the banking sector: Evidence from Jammu & Kashmir
Authors
Tanzilla Shahid
Abstract
The rapid digitization of the Indian banking
sector has transformed financial services by enhancing accessibility,
efficiency, and inclusion. However, this digital transition has simultaneously
increased exposure to sophisticated cyber threats. These risks become
significantly more complex in conflict-affected and politically sensitive
regions such as Jammu & Kashmir (J&K). The region’s unique
socio-political environment, infrastructural limitations, and evolving digital
literacy landscape present distinct cybersecurity challenges for both public
and private banking institutions.This research paper proposes a regional
taxonomy of cyber threats affecting the banking sector in Jammu & Kashmir.
The study systematically categorizes cyber threats based on their nature,
origin, targets, and impact, while also examining regional vulnerabilities that
intensify these threats. Using a descriptive and analytical research
methodology, the paper draws upon secondary data sources including reports from
regulatory bodies, cybersecurity frameworks, academic literature, and
documented cyber incidents.The findings reveal that phishing, social
engineering, malware, insider threats, mobile banking frauds, and politically
motivated cyber attacks are the most prominent threats in the region.
Additionally, the study highlights the role of youth behavior, ethical
awareness, and governance mechanisms in shaping the cybersecurity landscape.
The paper emphasizes the need for region-specific cybersecurity policies,
ethical digital education, and collaborative governance models to strengthen
cyber resilience in the banking sector of Jammu & Kashmir.
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Pages:27-30
How to cite this article:
Tanzilla Shahid "A regional taxonomy of cyber threats in the banking sector: Evidence from Jammu & Kashmir". International Journal of Research in Advanced Engineering and Technology, Vol 11, Issue 2, 2025, Pages 27-30
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