Evaluasi Keamanan Fitur Tarik Tunai Cardless pada Aplikasi BRImo Menggunakan PIECES

Abstract

Financial technology (fintech) merupakan perkembangan teknologi yang memudahkan di era digital saat ini. Salah satu aplikasi fintech dalam layanan mobile banking yaitu aplikasi BRI Mobile (BRImo). User aplikasi BRImo masih belum sepenuhnya percaya terhadap keamanan fitur BRImo ketika menarik uang tunai tanpa kartu Automatic Teller Machine(ATM) karena adanya cybercrime seperti kasus penipuan online. Sehingga dalam penelitian ini dilakukan analisis terkait keamanan dan kepuasan user terhadap fitur tarik tunai cardless pada aplikasi BRImo. Penelitian ini menggunakan metode framework PIECES dengan lima aspek yaitu Performance, Information and Data, Control and Security, Efficiency, serta Service. Pengumpulan data dilakukan dengan menyebarkan kuesioner dan pengolahan data dengan bantuan software versi 3.0 yaitu Smart Partial Least Squares (Smart-PLS). Hasil yang diperoleh dari penelitian menunjukkan bahwa kualitas layanan serta informasi data pada fitur tarik tunai cardless BRImo memiliki pengaruh yang signifikan terhadap Control and Security serta kepuasan user BRImo.

Fintech (financial technology) 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 conduct an analysis related to security and user satisfaction with the cardless cash withdrawal feature in the BRImo application. This study uses the PIECES framework method with 6 aspects,namely 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 obtained from the study indicate that the quality of service and data information on the BRImo cardless cash withdrawal feature has a significant influence on Control and Security and BRImo user satisfaction.