Analisis Kesadaran Keamanan Dengan Model Kruger & Kearney Dalam Penggunaan E-Wallet Pada Generasi Z (Gen-Z) Di Indonesia

Abstract

In recent years, e-wallets, sometimes known as digital wallets, have gained popularity in Indonesia. Under all the comforts offered, patrons are exposed to a multitude of security hazards. Similar to how the human factor is crucial to cybersecurity and information, security awareness is necessary. This study used primary data to analyze variations in security awareness according to the demographic features of the 207 E-Wallet users in Indonesia who took part in an online survey. The study aimed to measure the consumers' degree of security awareness. Indonesian E-Wallet users have a generally high level of security awareness, according to the measurement results based on the Kruger and Kearney model. However, there is still room for improvement in terms of knowledge, attitudes, and behaviors regarding software, the internet, and PINs/passwords, all of which are lower than in the hardware focus area. Additionally, this survey found that the two main factors influencing Indonesian E-Wallet users' level of security awareness are age and gender (generation Z). The study's findings can be utilized to develop a variety of targeted policies or interventions aimed at raising security awareness among all Indonesian e-wallet users.