Pengaruh Teknologi Informasi dan Network Terhadap Keamanan Aplikasi Mobile Banking: Survei pada Perbankan di Kota Cianjur

Abstract

The rapid advancement of information technology has encouraged the banking sector to continuously improve the quality of digital services through mobile banking applications. In addition to providing convenience and efficiency in conducting financial transactions, the use of mobile banking also presents various challenges related to information security and network reliability. Information technology and network infrastructure are essential factors in ensuring the security of mobile banking applications, enabling them to provide secure, fast, and reliable services. Nevertheless, various threats, such as cybercrime, data breaches, system failures, and network disruptions, remain significant issues that may compromise the security of mobile banking applications. This study aims to examine the effect of information technology and network on the security of mobile banking applications in banking institutions in Cianjur City. The study employed a quantitative research method with a survey approach. Primary data were collected through questionnaires distributed to mobile banking users, while secondary data were obtained through a literature review and previous studies. The data were analyzed using descriptive statistical analysis, data quality testing (validity and reliability tests), classical assumption tests (normality, multicollinearity, and heteroscedasticity tests), multiple linear regression analysis, the coefficient of determination, and hypothesis testing, including partial (t-test) and simultaneous (F-test), with the assistance of IBM SPSS Statistics 27. The results of this study indicate that information technology has a positive and significant effect on the security of mobile banking applications. This finding demonstrates that the better the quality and reliability of information technology components implemented by banks, the higher the level of mobile banking application security perceived by customers. Furthermore, network has a positive and significant effect on the security of mobile banking applications, indicating that the stability, innovation, and reliability of data communication network infrastructure play a crucial role in protecting customers' transaction data from potential cyber threats. Simultaneously, information technology and network have a significant effect on the security of mobile banking applications. Furthermore, this study is expected to contribute to the development of knowledge in the field of information systems and provide valuable insights for banking institutions in improving the security of digital services, thereby enhancing customer trust in mobile banking applications.