The rapid growth of digital banking provides consumers with a high level of access and convenience to their banking services. Unfortunately, it has made them more vulnerable to various types of computer crime such as phishing, OTP fraud and data breaches, which create a real threat to their financial safety and security. This research aims to demonstrate the ways in which awareness about cybersecurity impacts the behaviour of customers who use digital banking. In particular, it examines the relationship between awareness (of cybersecurity), perceived risk, preparedness, the use of protective measures (i.e. protects against potential cybercrimes), and financial impact. A descriptive, analytical (quantitative) research design was chosen to conduct this study. Primary data collection involved 150 participants (users of digital banking) who completed an online survey. According to SPSS, three types of statistical analysis were performed on the data: Independent Samples t-tests, One-way ANOVAs, and Simple and Multiple Regression. The outcomes show there is no significant difference in awareness of cybersecurity based on gender; however, significant differences were found by age and educational level Additionally, cybersecurity awareness was found to be significantly and positively associated with perceived risk and the uptake of protective strategies. The results also showed that while both preparedness (by itself) and awareness affect financial outcomes, the effects of preparedness are substantially greater than the effects of awareness alone (in isolation). The significance of blending awareness training and practical instruction on preparation for using banking technologies is demonstrated by these results; if individuals were better prepared for the possibility of computer crime, they would be less likely to experience financial loss.