This study aimed to assess the ability of Libyan commercial banks to confront cyber threats in the context of rapid digital transformation by analyzing the relative impact of a set of key determinants. These determinants included the level of adoption of digital technologies within banks, the readiness of specialized human resources in the field of cybersecurity, the efficiency of technological infrastructure, as well as the relevant legislative framework and government policies. The dependent variable was represented by the ability of Libyan commercial banks to manage and mitigate cyber risks. The study adopted a descriptive–analytical approach and was applied to a sample of Libyan commercial banks, comprising 157 valid observations suitable for statistical analysis. To test the causal relationships among the study variables and verify the proposed hypotheses, Structural Equation Modeling (SEM) was employed using the SmartPLS3 statistical software. The results revealed statistically significant effects at the 0.05 significance level for the level of digital technology adoption, the readiness of specialized human resources, and legislative and governmental policies on the ability of Libyan commercial banks to confront cyber risks. In contrast, the findings indicated no statistically significant effect of technological infrastructure efficiency. In light of these results, the study recommends giving strategic priority to the development and qualification of specialized human competencies in cybersecurity within Libyan commercial banks, alongside strengthening digital transformation pathways supported by highly efficient cybersecurity measures. This would ensure the establishment of effective security practices, keep pace with rapid technological developments, and achieve optimal utilization of technological infrastructure in managing cyber risks efficiently and effectively.............. Keywords: .................Cyber threats; Digital technology; Cybersecurity human