Security Measures Applied on Digital Banking Towards Service Improvement Proposal

Abstract

The main objective of this study is to assess the security measures on digital banking as a basis for improving services. The researcher used a descriptive method of research, employed with the used of a standard questionnaire. Descriptive research design involves gathering data that seeks to describe events and then organizing, tabulates, depicts, and describes the data collection in a systematic manner. (Glass, G. V., & Hopkins, K. D. 1984) The survey questionnaire is divided into two parts: the demographic profile of respondents and the list of questions that the researcher aims to know in order to collect valid and reliable data needed for the study. The second part was subdivided into 3 parts, which are Security Measures on Digital Banking, Common Digital Banking Issues and Problems Encountered by Respondents, and an open-ended question about Suggestions & other problems encountered. The security measures on digital banking in terms of trust and security trust and security, knowledge and awareness, ease of use, and usefulness are strongly agreed upon. However, it is necessary to improve the security measures with regard to accessing the apps using multiple devices, securing one time passwords, an easy withdrawal system, and clearing service requests.