The Effect of M-Banking Security on Interest in Online Shopping in the
Civitas Academica of Maritime Economics and Business Faculty, Raja Ali
Haji Maritime University (UMRAH), Indonesia
Fariz Putra Pratama, Emellia Astuti, Mareskha Tiara Fitri and Inge Lengga Sari Munthe
Faculty of Economics and Business Maritime, Accounting Department, Tanjungpinang, Indonesia
Keywords: M-Banking, Security, Interest in Shopping Online.
Abstract: The growth of technology seems endless. All aspects of life today cannot be separated from technology. The
world of trade is where one of them comes from, with many traders selling their goods online. Selling online
must, of course, be supported by good service and easy payment. The development of financial technology,
such as m-banking, also contributes to the ease of payment. Not only in terms of convenience, but security is
also a factor that drives interest in online shopping. This research is aimed at determining the impact of m-
banking security on online shopping interest. This research uses a quantitative correlational method with a
sample size of 92 respondents. Data collection techniques use primary data collected through questionnaires.
This research suggests that m-banking security has an effect. significantly influence online shopping interest.
1 INTRODUCTION
The expansion of technology and information is
endless. Technology is omnipresent in every aspect
of life today. The convenience of all human activities
is greatly enhanced by this progress, so technology
cannot be avoided. Technological advances in the
world of commerce also seem not to want to be left
behind by many entrepreneurs whose business is to
sell products or services online because selling online
does not require a physical store that requires rental
fees, Therefore, entrepreneurs can set market
strategies by reducing product prices to make them
cheaper but with good quality. Supporting online
selling requires excellent customer service, such as
selling products in accordance with what is offered
and making the payment process straightforward.
According to (R. D. Irahyani, 2022), In the theory of
consumer behavior, it is explained that consumers
consume to meet a satisfaction, so consumer
satisfaction with our products is the main reason for
increasing interest in online shopping. The emergence
of stimulation after seeing a product is what leads to
buying interest according to (K. Philip, 2013).
Someone becomes interested in buying a product so
that it can be owned. The income of entrepreneurs
will increase with an increase in shopping interest,
which will also have a positive impact on economic
growth. Interest in shopping online is certainly
influenced by the services provided and the ease of
the process. The development of financial
technology, one of which is mobile banking, can also
provide this convenience.
Now that conventional banks have begun to
develop their services into the world of technology and
information, one of the bank's efforts to participate in
the development of technology is to issue a service
known as mobile banking. The purpose of mobile
banking is to make transactions effortless for
customers. The bank developed mobile banking, which
is commonly known as m-banking, to make banking
activities easier for users. M-banking is a bank service
that can be easily accessed via smartphone (O. J.
Keuangan, 2015). Therefore, m-banking can greatly
facilitate customers in making transactions;
transactions can be done very flexibly; there is no need
to come to the bank directly because all things that are
usually done at the bank directly can be done with m-
banking using a smartphone. Of course, with this
development, we will greatly save energy and time by
not having to go to the bank directly.
Despite the convenience of customers making
these transactions, there are certain things to keep in
mind. The use of PINs and mobile numbers in m-
banking can lead to crimes like mobile phone theft,
64
Pratama, F., Astuti, E., Fitri, M. and Munthe, I.
The Effect of M-Banking Security on Interest in Online Shopping in the Civitas Academica of Maritime Economics and Business Faculty, Raja Ali Haji Maritime University (UMRAH), Indonesia.
DOI: 10.5220/0012685700003798
Paper published under CC license (CC BY-NC-ND 4.0)
In Proceedings of the 2nd Maritime, Economics and Business International Conference (MEBIC 2023) - Sustainable Recovery: Green Economy Based Action, pages 64-68
ISBN: 978-989-758-704-7
Proceedings Copyright © 2024 by SCITEPRESS – Science and Technology Publications, Lda.

mobile number hijacking, and cloning mobile
numbers. Of course, this raises concerns about
security when using m-banking (O. J. Keuangan,
2015). The interest of customers in choosing m-
banking as a tool to facilitate transaction activities is
definitely impacted by this concern. Customer trust
lies in the security that guarantees transaction
activities. (M. Lallmahamood, 2007). Therefore,
users need a guaranteed security system.
The results of security research have a significant
impact on online buying interest, as tested by (A.
Sutedjo, 2021). According to (R. Furi et al., 2020), it
was found that security affects buying interest, but the
results of research from (I. P. Baskara et al., 2012)
found that security results do not affect purchasing
decisions through social networking sites.
Therefore, based on the background described
above and the differences from the results of previous
research, we chose the title "The Effect of M-Banking
Security on Online Shopping Interest".
2 LITERATURE REVIEW
2.1 Interest in Online Shopping
According to (M. Mukhtisar et al., 2021) interest is an
abstract process of the soul which expresses itself in
all modes of activity. Some objects are considered
valuable so that they are known and desired, which
results in a strong desire for something.
The
emergence of stimulation after seeing a product is
what causes a person to become interested in buying
a product to own it, as per (K. Philip, 2013).
According to (Ahmadi dan Hermawan, 2013)
online shopping or e-commerce, involves buying
goods or services from sellers operating via the
internet. Merchants have been trying to set up online
shops and sell products to consumers since the advent
of the internet.
According to (A. Ferdinand, 2006), put forward 4
indicators that influence buying interest as follows:
1. Transactional interest, namely someone who
leads to a product.
2. Referential interest, namely people who
recommend products to others.
3. Preferential interest, to determine someone's
interest which can be described through
behavior that has a primary preference for a
particular product. This can change preferences
if something happens or changes with product
preferences.
4. Explorative interest, describes the behavior of a
person trying to explore a product by seeking
information that supports the positive side of
the product.
2.2 Definition of M-Banking
According to (O. J. Keuangan, 2015), mobile banking
allows customers to carry out banking transactions
using mobile phones. Applications that can be installed
by customers can access mobile banking services
through the SIM (Subscriber Identity Module) menu
and USSD (Unstructured Supplementary Service
Data). Mobile banking is easier to use than SMS
banking, because the customer does not need to
remember the format of the text message sent to the
bank or the banking zip code.
2.3 M-Banking Security System
According to (M. Lallmahamood, 2007) security and
privacy are customer beliefs about the assurance of
business security and the protection of personal
information.
According to (Harahap, A. Khairil,
2009) mobile banking uses 2 types of security
systems, including:
1. Cryptographic system
This system is known as a password system, of
which there are 2 types, namely symmetrical and
asymmetrical. The weakness of the symmetric
cryptography system is that the key can be sent to
the recipient and allows someone else to crack it
halfway. The weakness of the asymmetric
cryptography system is to reduce the amount of
data transfer due to adding code.
2. Firewall System
A firewall is a system that prevents unauthorized
access to protected areas of corporate
workstations. But the firewall system cannot
prevent the entry of viruses or interference by the
company.
According to (R. Arasu dan V. Annamalai, 2017)
security indicators include two things, namely:
a. Security Guarantee
When the security guarantee is acceptable and
meets expectations, customers will be willing to
disclose personal data and buy with a sense of
security because they don't have to worry about
data misuse and perishable data transactions.
b. Data Confidentiality
Data confidentiality is very important because
other people can take your data and cause harm to
the people who have it. Therefore, the
confidentiality of consumer data is very
important.
The Effect of M-Banking Security on Interest in Online Shopping in the Civitas Academica of Maritime Economics and Business Faculty,
Raja Ali Haji Maritime University (UMRAH), Indonesia
65

3 RESEARCH METHODOLOGY
T he design used in this research is quantitative-
correlational. To identify relationships between two
or more variables without attempting to change them,
quantitative correlation research is utilized. There are
two variables in this research, namely the
independent variable (m-banking security) and the
dependent variable (interest in online shopping). The
UMRAH Faculty of Economics and Maritime
Business was the focus of this research, which
consisted of 1,025 academics. Meanwhile, the sample
collection uses a purposive sampling method based
on certain criteria. The criteria are as follows:
a. M-Banking users
b. UMRAH Maritime Economics and Business
Academic Community
Based on a population of 1,025 and an error rate
of 10%, the number of samples that can be
calculated is as follows:
n =
ଵ.଴ଶହ
ଵ ା ଵ.଴ଶହሺ଴,ଵሻ
మ
n =
ଵ.଴ଶହ
ଵଵ,ଶହ
n = 91,11
The data collection technique used is primary data
collected through questionnaires. The questionnaire
contains statements related to the research variables
in a 1–5 Likert scale measurement format. Before this
research questionnaire was delivered to respondents,
it had first been tested and declared valid through
validity and reliability tests. After the respondents
were collected, the results of the questionnaire were
tested using the classical assumption test, the
correlation and regression test, and the t test.
4 RESULTS AND DISCUSSION
4.1 Result
4.1.1 Classic Assumption Test
Normality Residual Test
In the residual normality test using a graph showing
the residuals are normal, the points on the graph
spread along a line following a diagonal line.
Figure 1.
Autocorrelation
Figure 2.
The Durbin-Watson autocorrelation test is in the area
of "no evidence of autocorrelation" or there is no
autocorrelation.
Heteroscedasticity
Figure 3.
This test showed no heteroscedasticity. The spreading
points in the result are irregularly patterned and
spread below and above the number 0 on the Y-axis.
MEBIC 2023 - MARITIME, ECONOMICS AND BUSINESSINTERNATIONAL CONFERENCE
66

4.1.2 Regression Analysis
Coefficient of Determination
Figure 4.
The output of the summary model found an R number
of 0.413, and the R number found a sufficient
relationship between m-banking security variables
and shopping interest. Then, for R Square, it was
found that the contribution of the influence of m-
banking security variables on online shopping interest
was 0.170, or 17%, while the remaining 83% of other
variables were not contained in this model. Then in
the adjusted R square, we found a value of 0.161,
which shows the influence of the independent
variable on the dependent variable by 16.1%. Then,
in the standard error of the estimate, the value is
3.3103. So 3,103 errors in predicting online shopping
interest.
T Test
Figure 5.
The output generated from the coefficient table using
a simple linear regression equation with 1
independent variable is Y = 13.333 + 0.314X, and if
the m-banking security value is 0, then the interest in
online shopping is 13.333. Then for every increase in
m-banking security by one unit, it will increase online
shopping interest by 0.314 units and also from this
coefficient table, a t test was carried out, where the
results obtained were: if the value of t calculating m-
banking security is greater than the t table
(4.297>1.9867) and the significance is less than 0.05
(0.000 < 0.05), then Ho is rejected, so we can
conclude that m-banking security affects online
shopping interest.
4.2 Discussion
Based on the test results above:
Trusted security services, maintained personal data,
ease of knowing security measures, and concern for
the importance of m-banking service security are all
responsible for the influence. This makes users feel
comfortable while shopping, and a sense of comfort
can increase interest in shopping online.
This influence is also caused by the way this
online shopping payment is done without meeting
directly with the seller, and to use the payment
method, users must enter personal data. Without
strong payment security, this is very prone to data
leakage. If that happens, of course, interest in
shopping online will decrease. The increase in
interest in online shopping requires strong m-banking
security, which will also strengthen economic
growth.
The results of this study support previous research
by Sutedjo, A. S. (2021) and Furi, ., R., Hidayati, N.,
&; Asiyah, S. (2020), which showed that security
partially affects online shopping interest. However
this contradicts research conducted by Baskara, I. P.,
Hariyadi, G. T. (2012), showing different results that
security has no effect on online purchasing decisions.
5 CONCLUSION
The correlation between m-banking security and
online shopping interest is 0.413% according to the
output. The coefficient value between m-banking
security and shopping interest has a sufficient
relationship. So if m-banking security increases,
interest in online shopping will also increase, and vice
versa. And based on the calculated t value of m-
banking security which is greater than the t table
(4.297>1.9867) and the significance is less than 0.05
(0.000 <0.05) so we can conclude that m-banking
security influences online shopping interest in the
civitas academic of the faculty of maritime economics
and business.
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