Pengaruh Risiko Keamanan, Keuangan dan Sosial terhadap Kepercayaan pada Layanan Mobile Payment Aplikasi Dana

Maytita Zafira Putri; Yudi Sutarso; Faizatul Hiqmah

doi:10.14414/jbb.v11i1.2667

Vol. 11 No. 1 (2021), Articles

Vol. 11 No. 1 (2021)

Pengaruh Risiko Keamanan, Keuangan dan Sosial terhadap Kepercayaan pada Layanan Mobile Payment Aplikasi Dana

Articles

DOI: 10.14414/jbb.v11i1.2667

Published 2021-10-30

Maytita Zafira Putri
Yudi Sutarso⁺⁻
Faizatul Hiqmah

Maytita Zafira Putri

Yudi Sutarso

ID Scopus 57195434307, STIE Perbanas Surabaya

Faizatul Hiqmah

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How to Cite

Putri, M. Z., Sutarso, Y., & Hiqmah, F. (2021). Pengaruh Risiko Keamanan, Keuangan dan Sosial terhadap Kepercayaan pada Layanan Mobile Payment Aplikasi Dana. Journal of Business & Banking, 11(1), 167-182. https://doi.org/10.14414/jbb.v11i1.2667

Abstract

This study aims to analyze the effect of security, financial and social risks on trust in mobile fintech services using the Dana application, with moderation of religiosity. The research hypothesis states that security, financial and social risks negatively affect trust, and religiosity moderates the relationship between social risk and trust. The sampling technique used was pur-posive sampling and data was collected through questionnaires. This study involved 125 respondents, namely users of mobile payment application named Dana, from Surabaya and Sidoarjo area. SEM PLS is used as a structural model testing. The main finding of this study shows that security risk has a negative effect on trust, however, financial risk has unconfirmed a negative effect on trust. A different finding of this study is that social risk has a positive effect on trust. In the relationship between social risk and trust, this study suggest that religiosity unconfirmed moderates the relationship.

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Pengaruh Risiko Keamanan, Keuangan dan Sosial terhadap Kepercayaan pada Layanan Mobile Payment Aplikasi Dana

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