for digital banking change. The study sample is fresh graduates in Indonesia's Islamic
Banking. The study used PLS-SEM (Partial Least Squares-Structural Equation Modeling)
using Smart-PLS 3.0 software. Research shows that 1) cybersecurity awareness does not
impact digital banking readiness for Change. 2) digital skills have a positive and essential
effect on digital banking readiness for Change. Though cybersecurity awareness does not …