Publisher

UNIPMAUNIPMA

Journal EQUILIBRIUM : Jurnal Ilmiah Ekonomi dan PembelajarannyaEQUILIBRIUM : Jurnal Ilmiah Ekonomi dan Pembelajarannya Abstract

This study aimed to compare perceptions of the security level in making decisions on the use of e-banking in the Y and Z generations. Sampling was carried out using a purposive sampling method. The respondents in this study were e-banking consumers in the Y and Z generations. Data were analyzed using the Mann-Whitney U Test through SPSS software version 20.00. The research results show no significant difference in the perceived security in usage decisions of E-Banking Y and Z generations.

Conclusion

The study concludes that there is no significant difference in the perceived security level between the Y and Z generations when deciding to use e-banking.This highlights the importance of robust security systems for all users of mobile banking services to manage potential risks and build trust.Further research should consider comparing these generations with older ones, such as Generation X or Baby Boomers, to gain a more comprehensive understanding of security perceptions across different age groups.

Future Research

Penelitian lebih lanjut dapat dilakukan dengan memperluas cakupan generasi yang diteliti, tidak hanya Y dan Z, tetapi juga generasi X dan Baby Boomers, untuk memahami perbedaan persepsi keamanan lintas kelompok usia. Selain itu, studi kualitatif dapat dilakukan untuk menggali lebih dalam faktor-faktor yang memengaruhi persepsi keamanan pada masing-masing generasi, seperti pengalaman pribadi, pengaruh media sosial, dan tingkat literasi digital. Terakhir, penelitian dapat difokuskan pada pengembangan model prediktif yang dapat mengidentifikasi pengguna e-banking yang rentan terhadap ancaman keamanan berdasarkan karakteristik demografis dan perilaku mereka, sehingga memungkinkan penyedia layanan untuk memberikan perlindungan yang lebih personal dan efektif. Penelitian-penelitian ini diharapkan dapat memberikan wawasan yang lebih komprehensif tentang keamanan e-banking dan membantu meningkatkan kepercayaan pengguna terhadap layanan keuangan digital.

References

1. Understanding The Millennial Generation Behavior In Using Digital Banking | Asean International Journal... doi.org/10.54099/aijb.v2i1.394Understanding The Millennial Generation Behavior In Using Digital Banking Asean International Journal doi 10 54099 aijb v2i1 394
2. Understanding E-Payment Security Behavior Z Generation’s Perceived Explanation | Atlantis Press.... doi.org/10.2991/978-2-494069-83-1_71Understanding E Payment Security Behavior Z GenerationAos Perceived Explanation Atlantis Press doi 10 2991 978 2 494069 83 1 71
3. Ritual Ganti Langse di Palenggahan Agung Srigati Alas Ketonggo Ngawi: Studi Makna Simbolik dan Potensinya... e-journal.unipma.ac.id/index.php/gulawentah/article/view/5521Ritual Ganti Langse di Palenggahan Agung Srigati Alas Ketonggo Ngawi Studi Makna Simbolik dan Potensinya e journal unipma ac index php gulawentah article view 5521
4. Pengaruh Kualitas Pelayanan dan Fasilitas Keamanan Terhadap Kepuasan Pengguna Jasa di UPBU Rahada Oesman... journal.formosapublisher.org/index.php/mudima/article/view/271Pengaruh Kualitas Pelayanan dan Fasilitas Keamanan Terhadap Kepuasan Pengguna Jasa di UPBU Rahada Oesman journal formosapublisher index php mudima article view 271
5. PERCEIVED SECURITY TOWARDS E-BANKING SERVICES: AN EXAMINATION AMONG MALAYSIAN YOUNG CONSUMERS | Journal... jurcon.ums.edu.my/ojums/index.php/JAAAB/article/view/1272PERCEIVED SECURITY TOWARDS E BANKING SERVICES AN EXAMINATION AMONG MALAYSIAN YOUNG CONSUMERS Journal jurcon ums edu my ojums index php JAAAB article view 1272

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File size	291.72 KB
Pages	8
DMCA	Report