Measurement of Security Awareness Level in the Implementation of Quick Response Code Indonesian Standard

Milda Safrila Oktiana, Avinanta Tarigan

Abstract


Quick Response Code Indonesian Standard (QRIS) is a QR code standard adopted in Indonesia as an electronic payment method. QRIS allows users to make payment transactions easily using mobile phones. Although QRIS provides many benefits regarding ease and efficiency of transactions, there are some security risks from payment methods using QR codes. A lack of public awareness regarding the safety of using QRIS can open the risk of misuse by irresponsible parties. This study aims to measure the level of security awareness in using QRIS Merchants in the DKI Jakarta areaThe research data was collected using questionnaires based on the Kruger and Kearney models involving 3 (three) dimensions, namely knowledge, attitudes, and behavior, as well as 6 (six) focus areas. The number of samples obtained was 110 respondents. The results showed that the safety awareness of QRIS use in the DKI Jakarta area was 91, in the average value category. With an average score of 91, most respondents realize the importance of paying attention to security aspects in transacting using QRIS.

Keywords


Electronic Payment; QRIS Merchant; Security Awareness; User Behavior

Full Text:

PDF

References


Akraman, R., Candiwan, C., & Priyadi, Y. (2018). Pengukuran Kesadaran Keamanan Informasi Dan Privasi Pada Pengguna Smartphone Android Di Indonesia. Jurnal Sistem Informasi Bisnis, 8(2), 115-122, doi: 10.21456/vol8iss2pp115-122

Bank Indonesia. (2023). Bank Indonesia Edukasi Masyarakat dan Pedagang/Merchant Agar Terhindar dari Upaya Penyalahgunaan QRIS [Online]. Available at: https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/sp_259323.aspx

Fauzi, F., Al-Khowarizmi, A. K., & Muhathir, M. (2020). The e-Business Community Model is Used to Improve Communication Between Businesses by Utilizing Union Principles. JITE (JOURNAL OF INFORMATICS AND TELECOMMUNICATION ENGINEERING), 3(2), 252-257.

Hardani, et al, (2020). Metode Penelitian Kualitatif & Kuantittif. Yogyakarta: CV Pustaka Ilmu Grup.

Kencana Sari, P., & Candiwan. (2014). Measuring information security awareness of Indonesian smartphone users. Telkomnika (Telecommunication Computing Electronics and Control), 12(2), 493–500, doi: 10.12928/TELKOMNIKA.v12i2.2015

Kruger, H. A., and Kearney, W. D. (2006). A prototype for assessing information security awareness. Computers and Security, 25(4), 289-296, 2006, doi: 10.1080/10691898.2019.1665485

Lebek, B., Uffen, J., Neumann, M., Hohler, B., & Breitner, M., H. (2014). Information security awareness and behavior: a theory-based literature review. Management Research Review, 37(12): 1049-1092.

McCormac, A., Zwaans, T., Parsons, K., Calic, D., Butavicius, M., & Pattinson, M. (2017). Individual differences and Information Security Awareness. Computers in Human Behavior, 69, 151-156. doi: 10.1016/j.chb.2016.11.065

Nabila, A. P., Raharso, S., Tiorida, E., (2025). The Influence of Trust and Transaction Security on Interest in Using The QRIS Payment System. Airlangga Journal of Innovation Management, 06(2), 248-260. doi: https://doi.org/10.20473/ajim.v6i2.72597

Saskia, C., & Pertiwi, W., K. (2023). Modus Penipuan QRIS Palsu, Pengamat Usulkan Standar Keamanan Perbankan [Online]. Available at: https://tekno.kompas.com/read/2023/04/13/17370087/modus-penipuan-qris-palsu-pengamat-usulkan-peningkatan-standar-keamanan

Setiyono, T., A. (2020). Indonesian’s Acceptance of Non-Cash Transaction Using QRIS. Economics, Business and Management Research, 169, 141-144.

Sriekaningsih, A. (2020). QRIS dan Era Baru Transaksi Pembayaran 4.0. Yogyakarta: ANDI.

Sugiyono. (2018). Metode Penelitian Pendidikan Pendekatan Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.

Taufiq, R., & Betty, P. (2023). Measurement of Information Security Awareness Level: A Case Study of Mobile Banking App Users to Prevent Social Engineering, Journal of Syntax Idea, 5(1), 86-98.

Utami, B. (2024). The Impact of the QRIS Payment System on the Digital Economy Development. Jurnal Ekonomi dan Bisnis, 1(3), 141-148.




DOI: https://doi.org/10.30596/jcositte.v6i2.26050

Refbacks

  • There are currently no refbacks.