USE AND PROTECTION OF CUSTOMERS USING THE INTERNET BANKING AGAINST CYBER CRIME IN THE SPECIAL REGION OF YOGYAKARTA

Authors: Sunaryati & Aula Ahmad Hafidh Saiful Fikri

ABSTRACT

This study aims to determine: (1) the effect of the use of internet banking on the occurrence of cybercrime in DIY, (2) the influence of bank customer protection in the use of internet banking on the occurrence of cybercrime in DIY, (3) the influence of internet banking and protection. Bank Customers in Using Internet Banking against Cyber Crime in DIY. The data collection technique was carried out by the questionnaire data collection method. The population in this study were users of internet banking in the DI Yogyakarta region. A sample of 72 respondents was determined by the random sampling technique. The analysis technique used is multiple linear regression analysis. The results of the study indicate that (1) there is a positive and significant influence on the use of Internet Banking on Cyber Crime in the DIY region, and there is an influence from each Customer Protection variable, namely, there is a negative and significant influence on Client Charter on Cyber Crime in the DIY region, there is a positive and considerable influence Confidentiality of Customer Data on Cyber Crime in the DIY region, there is no significant and insignificant effect of Test and Trial Drive on Cyber Crime in the DIY region, there is a positive and significant influence of Customer Support Service on Cyber Crime in the DIY region, (3) there is an influence on the use of Internet Banking and Protection of Customers Using Internet Banking (Client Charter, Confidentiality of Customer Data, Test and Trial Drive, and support Service) against Cyber Crime in the DIY region.

Keywords: Internet Banking, Customer Protection, and Cyber Crime

REFERENCES                                                                                                       

  • Arya Wijaya, Muchamad. (2016). “Disclosure of Customer Data by the Press in view of the Bank’s Confidentiality Principle”. Legal Journal. Yogyakarta: Faculty of Law, Atma Jaya University.
  • Danuari, Muhammad. (2017). “Cyber Crime and Information Technology Trends in Indonesia”. INFOKAM Number 2 Th. XIII/September/2017. Semarang: Dian Nuswantoro University.
  • Directorate of Banking Research and Regulation of Bank Indonesia. (2002). “Internet Banking in Indonesia”. Bulletin of Monetary, Economics and Banking.
  • Emayasila. (2012). “Service Theory”. Accessed from https://emayasila.wordpress.com/2012/10/17/theory-pelayan/
  • Ghozali, Imam. (2006). “Application of Multivariate Analysis with SPSS Program”. (4th Edition). Semarang: Diponegoro University Publishing Agency.
  • Maani, Karjuni. (2010). “Citizen Charter: A New Breakthrough in the Implementation of Public Services”. RATE Vol. VI No. 2.
  • Mohson, Ali. (2015). “Advanced Computer Application Practicum Guide”. Yogyakarta: Faculty of Economics, UNY.
  • Raditio, Resa. (2014). “Legal Aspects of Electronic Transactions; Engagement, Evidence, and Dispute Resolution”. Yogyakarta: Graha Ilmu.
  • Riduwan. (2007). “Scale of Measurement of Research Variables”. Bandung: Alphabeta.
  • Ronny. (2017).Services Internet Banking: Overview of Customer Perceptions”. Journal of Organization and Management Volume 13, Number 2. Suarbaya:STIE Perbanas.
  • Sugiyono. (2012). “Statistics for Research”. Bandung: Alphabeta. https://teorionline.wordpress.com/tag/sampel-population-penelitian-teknik-sampling/ accessed on January 5, 2018.
  • https://proxsisgroup.com/articles/waspadailah-hantaman-serangan-cyber-terhadap-indonesia/ accessed on January 5 2018
  • https://itgid.org/serangan-cyber-crime-di-indonesia/ accessed on January 5, 2018.