Evaluasi Keamanan Fitur Tarik Tunai Cardless pada Aplikasi BRImo Menggunakan PIECES

Dearmelliani Tarigan; Kristoko Dwi Hartomo

doi:10.24246/aiti.v19i2.153-166

Dearmelliani Tarigan UKSW
Kristoko Dwi Hartomo

DOI: https://doi.org/10.24246/aiti.v19i2.153-166

Keywords: fintech, cybercrime, mobile banking, smart-PLS, PIECES

Abstract

Financial technology (fintech) is a technological development that makes it easier for us in the current digital era. One of the fintech applications in mobile banking services is the BRI Mobile (BRImo) application. BRImo application users still do not fully trust the security of the BRImo feature when withdrawing cash without an Automatic Teller Machine (ATM) card due to cybercrime, such as cases of online fraud. So in this study, we will analyze security and user satisfaction with the cardless cash withdrawal feature in the BRImo application. This study uses the PIECES framework method with six aspects: Performance, Information and Data, Control and Security, Efficiency, and Service. Data was collected by distributing questionnaires and processing data with the help of software version 3.0, namely Smart Partial Least Squares (Smart-PLS). The results from the study indicate that the quality of service and data information on the BRImo cardless cash withdrawal feature significantly influence Control and Security and BRImo user satisfaction.

Downloads

Download data is not yet available.

References

[1] L. Wajuba, P. Fisabilillah and N. Hanifa, “Analisis Pengaruh Fintech Lending Terhadap Perekonomian Indonesia,” vol. 1, no. 3, pp. 154–159, 2021, doi: 10.31960/ijoeei.v1i3.866.

[2] G. B. Satrya et al., “Analisis Forensik Android : Artefak Pada Aplikasi Penyimpanan Awan Box Android Forensics Analysis : Artifacts of Box Cloud Storage,” J. Teknol. Inf. dan Ilmu Komput., vol. 7, no. 3, pp. 521–530, 2020, doi: 10.25126/jtiik.202072220.

[3] A. Mandiri, E. Yanto, and E. Metekohy, “Pengaruh Kualitas Layanan Dan Kepercayaan Terhadap Kepuasan Nasabah Dalam Menggunakan Bri Mobile (Brimo),” Account, vol. 8, no. 1, pp. 1423–1430, 2021, doi: 10.32722/acc.v8i1.3874.

[4] BRI. 2022. Available: https://bri.co.id/brimo. diakses pada 20 September 2021.

[5] Fisip UI. 2022. Available: https://fisip.ui.ac.id/bhakti-cybercrime-menjadi-jenis-kejahatan-yang-mengalami-peningkatan-cukup-tinggi/. diakses pada 3 Desember 2021.

[6] N. Kinanti, A. Putri, and A. Dwi, “Penerapan PIECES Framework sebagai Evaluasi Tingkat Kepuasan Mahasiswa terhadap Penggunaan Sistem Informasi Akademik Terpadu (SIAKADU) pada Universitas Negeri Surabaya,” J. Emerg. Inf. Syst. Bus. Intell., vol. 2, no. 2, pp. 78-84, 2021, [Online]. Available: https://siakadu.unesa.ac.id.

[7] S. Aji and A. Hidayatullah, “Analisis Kepuasan Pelanggan Terhadap Kualitas Pelayan Aplikasi Gojek Dengan Metode PIECES Framework,” J. Sist. Inf., vol. 2, no. 2, pp. 47–53, 2019, [Online]. Available: http://ojs.stmik-borneo.ac.id/index.php/J-SIm/article/view/46.

[8] T. Husain and A. Budiyantara, “Analisis End-User Computing Satisfaction (EUCS) Dan WebQual 4.0 Terhadap Kepuasan Pengguna,” JATISI (Jurnal Tek. Inform. dan Sist. Informasi), vol. 4, no. 2, pp. 164–176, 2018, doi: 10.35957/jatisi.v4i2.99.

[9] Rahmad S. dan Suhardi M. A, 2019, Structural Equation Modeling (SEM) berbasis varian: Konsep Dasar dan Aplikasi dengan Program SmartPLS 3.2.8 dalam Riset Bisnis, PT Inkubator Penulis Indonesia , Jakarta Pusat.

[10] W. A. P Panca, I. N. Jamin Ariana, and N. K. Arismayanti, “Pengaruh Kualitas Pelayanan Terhadap Loyalitas Wisatawan dan Citra Hotel Melati di Kelurahan Seminyak Kabupaten Badung Bali,” J. Kepariwisataan dan Hosp., vol. 1, no. 1, pp. 65–72, 2017, [Online]. Available: https://ojs.unud.ac.id/index.php/jkh.

[11] R. Solling Hamid and M. Ikbal, “Analisis Dampak Kepercayaan pada Penggunaan Media Pemasaran Online (E-Commerce) yang Diadopsi oleh UMKM: Perspektif Model DeLone & McLean,” J. Manaj. Teknol., vol. 16, no. 3, pp. 310–337, 2017, doi: 10.12695/jmt.2017.16.3.6.

[12] Ghozali, I. dan Hengky L., 2019, Partial Least Squares Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0 Untuk Penelitian Empiris, Semarang: Universitas Diponegoro.

[13] A. A. Pering, “Kajian Analisis Jalur Dengan Structural Equation Modeling (SEM) Smart-Pls 3.0,” J. Satyagrah, vol. 3, no. 2, pp. 28–48, 2021, [Online]. Available:http://ejournal.universitasmahendradatta.ac.id/index.php/satyagraha.

[14] Sobur S., 2020, Analisa Parsial Model Persamaan Struktural Dengan Software SMART-PLS, Jakarta: Universitas Sahid.

[15] A. A. Suyono, U. N. Indianiati, E. M. Rizki, S. Hamidah, and E. N. Jannah, “Analisis Aplikasi Integrated Postal Operations System (IPOS) Pada PT. Pos Indonesia (Persero) KPRK Jombang Menggunakan Metode PIECES,” Regist. J. Ilm. Teknol. Sist. Inf., vol. 2, no. 1, pp. 22-33, 2016, doi: 10.26594/r.v2i1.442.

[16] A. Zaky, “Analisis Tingkat Kepuasan Pengguna dan Tingkat Kepentingan Penerapan Sistem Informasi Manajemen Mutu,” J. RESTI (Rekayasa Sist. dan Teknol. Informasi) , vol. 2, no. 2, pp. 536–541, 2018, doi: https://doi.org/10.29207/resti.v2i2.397.

[17] E. Suwandi, F. H. Imansyah, and H. Dasril, “Analisis Tingkat Kepuasan Menggunakan Skala Likert pada Layanan Speedy yang Bermigrasi ke Indihome,” J. Tek. Elektro, vol. 1, no. 1, pp. 1-11, 2018, [Online]. Available: http://jurnal.untan.ac.id/index.php/jteuntan.