Cyber Attack Risk in Commitment to use Banking Services: North Sumatra Evidance

Desi Khofifah, Arif Pratama Marpaung

Abstract


This study aims to examine the impact of cyberattack awareness and the level of customer commitment after the cyberattack. This study integrates the trust-commitment theoretical framework for the relationship of trust and commitment to the use of online banking services. Least-squares structural equation modeling (SEM) was used to explore the relationship between customer trust, which is the result of continuous use, and customer perceptions of the bank's cybersecurity affirmative action. The data collection technique used a survey method with a questionnaire. The population of this study was all bank customers in North Sumatra Province, Indonesia, totaling 277 respondents. Regression analysis was used to test this hypothesis using the Structural Equation Modeling (SEM) approach using Smart-PLS. The results of this study indicate that there is an influence of cyber security on commitment in using banking services. Furthermore, the perception of transaction risk and online services shows the strengthening of customer commitment in using banking services. However, all the variables tested did not show a relationship on the trust variable. This study contributes to the literature by providing empirical evidence regarding cyber risk on trust and commitment to using banking services in North Sumatra Province.

 


Keywords


Cyber Attack, Transaction Risk, Online Bank Usage, Indonesia Banks

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References


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DOI: https://doi.org/10.30596/miceb.v2i0.739

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