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The intensification of digitalization of financial services raises the issue of protecting users' personal data and assets. Students who actively use digital channels for financial transactions represent a group vulnerable to cyber risks. The aim of this study was to assess the level of awareness and practical skills in digital security among students at an agricultural university. An online survey of first-year students (N=276) conducted in the fall of 2025 served as the methodological basis. The results demonstrate a high level of cognitive awareness of key threats (risks of public Wi-Fi, phishing), but insufficient implementation of technical security measures, such as two-factor authentication. A dissonance was identified between knowledge of security rules and their everyday application. The practical significance of this study lies in its substantiation of the need to integrate practice-oriented modules on digital hygiene and cybersecurity into educational programs.
Digital security, cyber risks, financial literacy, students, digitalization, phishing, two-factor authentication
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