The Peran Pengetahuan dan Sikap dalam Membentuk Perilaku Pelaporan Insiden Keamanan di Perbankan Mobile
Kata Kunci:
Perbankan Mobile, Keamanan Informasi, Pelaporan Insiden, Pengetahuan, SikapAbstrak
Meningkatnya ketergantungan pada perbankan mobile memberikan kemudahan bagi pengguna, tetapi juga meningkatkan risiko keamanan, sehingga analisis pengetahuan, sikap, dan perilaku pengguna terhadap pelaporan insiden keamanan informasi menjadi sangat penting. Penelitian ini mengkaji ketiga dimensi tersebut dalam konteks perbankan mobile di Indonesia, dengan tujuan menjembatani kesenjangan antara kesadaran dan tindakan. Survei dilakukan terhadap 430 responden menggunakan instrumen yang diadaptasi dari Human Aspect of Information Security Questionnaire (HAIS-Q). Analisis statistik, termasuk Cronbach's alpha, reliabilitas komposit, dan Average Variance Extracted (AVE), digunakan untuk memvalidasi konstruk. Hasil penelitian menunjukkan bahwa responden memiliki tingkat pengetahuan (mean = 4,21) dan sikap positif (mean = 4,20) yang tinggi, tetapi perilaku proaktif mereka dalam melaporkan insiden relatif rendah (mean = 3,26). Analisis koefisien jalur menunjukkan bahwa pengetahuan sangat memengaruhi sikap (0,722) tetapi memiliki dampak langsung yang lebih lemah terhadap perilaku (0,162). Perbedaan gender juga memiliki peran signifikan yang memengaruhi pengetahuan dan perilaku. Temuan ini menyoroti perlunya intervensi yang terfokus, termasuk pelatihan yang lebih baik, budaya pelaporan yang mendukung, dan mekanisme pemantauan yang kuat untuk mengurangi risiko dan meningkatkan praktik pelaporan insiden. Penelitian selanjutnya perlu mengeksplorasi faktor psikologis dan teknologi untuk lebih meningkatkan keamanan perbankan mobile.
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