Evaluation of the effectiveness of educational programs in cybersecurity to reduce digital fraud among financial users in Ecuador

Abstract

This study aimed to evaluate the effectiveness of educational programs in cybersecurity to reduce the incidence of digital fraud among financial users in Ecuador. The research focused on identifying the main vulnerabilities and areas of lack of knowledge among users, and on developing an educational program adapted to their needs. An initial survey was carried out on a sample of 40 Ecuadorian financial users. Based on the results, an educational program was designed and implemented using three different educational methods: in-person and virtual workshops, self-guided online courses and awareness campaigns. The results showed that in-person and virtual workshops were the most effective, followed by self-guided online courses and awareness campaigns. Participants significantly improved their cybersecurity knowledge and adopted safer online practices. The findings highlighted the importance of interactive and personalized educational methods to maximize effectiveness in cybersecurity education. This study highlights the need for continuous and accessible education to protect users against emerging digital threats in an increasingly connected environment. Furthermore, it suggests that a combination of approaches may be key to improving digital security practices and reducing fraud among financial users.

Keywords: C

ybersecurity, Financial Education, Digital Fraud, Vulnerabilities, Online Security.