Pengaruh Cybercrime Knowledge dan Cybercrime Security Terhadap Loyalitas Pengguna Internet e-banking
Keywords:
Pengetahuan tentang kejahatan siber, Keamanan kejahatan siber, Loyalitas nasabah e-banking.Bank IndonesiaAbstract
Tujuan penelitian ini adalah menganalisis hubungan antara pengetahuan kejahatan siber dengan loyalitas nasabah bank dan menguji hubungan antara keamanan kejahatan siber dengan loyalitas nasabah bank. Desain penelitian yang digunakan dalam penelitian ini adalah desain penelitian metode survei kuantitatif. Teknik yang digunakan dalam pemilihan sampel dalam penelitian ini adalah simple random sampling. Pengumpulan data dalam penelitian ini dilakukan secara daring dengan menyebarkan kuesioner melalui platform Google Form dan memperoleh tanggapan langsung dari responden. Jumlah responden yang diteliti sebanyak 621 nasabah Bank di Indonesia yang sering menggunakan Internet banking. Teknik Analisis Data Penelitian ini menggunakan teknik analisis jalur dalam melakukan pengujian data dan hipotesis. Pengujian statistik pada model analisis jalur dapat dilakukan dengan menggunakan metode partial least square. Penelitian ini menggunakan skala likert yang dikategorikan menjadi lima kategori, meliputi: (1) sangat tidak setuju, (2) tidak setuju, (3) netral, (4) setuju dan (5) sangat setuju. Analisis data dalam penelitian ini menggunakan perangkat lunak Smart Partial Least Square (SPLS) versi 3.00. Evaluasi model dalam pengujian dengan SPLS terdiri dari dua tahap yaitu, evaluasi outer model dan inner model. Evaluasi model luar terdiri dari uji pemuatan faktor, Average Variance Extracted, pemuatan silang, alpha Cronbach, dan reliabilitas komposit, sedangkan evaluasi model dalam terdiri dari koefisien determinasi (R2), redundansi tervalidasi silang (Q2), Goodness of Fit (GoF), dan pengujian hipotesis. Setelah melakukan beberapa langkah penelitian dan pengolahan data yang diperlukan dalam penelitian ini, beberapa kesimpulan dapat ditarik, yaitu hasil uji hipotesis korelasi pertama menunjukkan bahwa pengetahuan tentang kejahatan siber berpengaruh signifikan terhadap loyalitas nasabah, dapat juga diartikan bahwa pengetahuan nasabah berpengaruh terhadap loyalitas nasabah. Hasil uji hipotesis korelasi kedua menunjukkan bahwa keamanan kejahatan siber berpengaruh positif dan signifikan terhadap loyalitas nasabah, dapat juga diartikan bahwa keamanan nasabah berpengaruh terhadap loyalitas nasabah.
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References
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