Özet:

The Purpose of the Study was to examine the digital banking usage and risk mitigation online transaction frauds. A survey of 204 respondents was collected in Chennai city using a structure questionnaire with Likert scale type questions. Convenient sampling techniques were used in this study. Percentage analysis, Descriptive statistics, Regression analysis were used to test the research hypothesis. The findings indicate that the factors such as perceived ease of use, perceived benefits, apps internal attacks and apps external attacks. Perceived Ease of Use, Perceived Benefits, Apps Internal Attacks have positive and significant relationship with Risk Mitigation. Apps External Attacks have a negative and insignificant relationship with Risk Mitigation. The study's conclusions are based on feedback from Chennai. In order to generalise the results, it is crucial to incorporate responders from various cities and states. It would be useful for future researchers to compare the findings with those from other states. The results provide a better understanding of typical risk mitigation in online transaction fraud to digital banking users and make suggestions regarding how they can tailor their offerings to meet user needs. There is no one dominant viewpoint on the factors influencing the use of and risk mitigation for online transaction fraud; instead, these factors vary according to circumstances, markets, period, and national inventions. In regard to Chennai, the study examined a few crucial components that have been discussed in the literature.

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