Analisis Tingkat Kepercayaan Nasabah pada Keamanan Transaksi Perbankan melalui Mobile Banking (M-Banking)
Abstract
Mobile Banking merupakan layanan perbankan untuk lebih mempermudah nasabah dalam melakukan transaksi keuangan dengan menggunakan perangkat mobile seperti handphone . Dengan mobile banking nasabah dapat melakukan aktivitas perbankan kapan saja dan di mana saja selama terhubung ke internet. Penelitian ini menganalisis teknologi dan keamanan transaksi perbankan melalui mobile banking ( M-Banking ) di Indonesia. Metode kuantitatif digunakan dalam penelitian ini dengan mengumpulkan data dari 71 nasabah melalui survei kuesioner. Tujuan penelitian adalah untuk mengetahui bagaimana mobile banking (M-Banking) digunakan oleh nasabah serta menyebarkan persepsi mereka terhadap keamanan transaksi. Hasil penelitian menunjukkan bahwa 71 responden menggunakan mobile banking ( M-Banking ) secara rutin untuk transaksi perbankan. Namun, 18,3% dari mereka mengalami masalah keamanan, seperti risiko pencurian data dan penipuan online. Analisis data menunjukkan bahwa persepsi keamanan secara signifikan mempengaruhi keputusan nasabah untuk tetap menggunakan layanan mobile banking (M-Banking) . Temuan ini menegaskan bahwa meskipun teknologi mobile banking (M-Banking) menawarkan kemudahan, isu keamanan tetap menjadi tantangan utama. Oleh karena itu, bank perlu memperkuat langkah-langkah keamanan seperti enkripsi data dan otentikasi dua faktor, serta memberikan edukasi kepada nasabah mengenai cara melindungi informasi pribadi. Peningkatan keamanan dan edukasi nasabah diharapkan dapat meningkatkan kepercayaan pada penggunaan mobile banking (M-Banking) , serta memberikan perlindungan yang lebih baik bagi nasabah.
Full text article
Authors
The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.
Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.
Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Tadarus are sole and exclusive responsibility of their respective authors and advertisers.
Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:
- Patent and trademark rights and rights to any process or procedure described in the article.
- The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the author institution is permitted.
- The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.