Unlocking E-Banking Behavior: Unraveling the Impact of Perceived Threat and Anxiety on Coping Strategies in Kebumen District
DOI:
https://doi.org/10.33086/amj.v7i2.5345Keywords:
E-Banking, Anxiety, Coping Behavior, Perceived ThreatAbstract
The goal of this study was to empirically evaluate the association between perceived threat and anxiety on coping behaviors (protective action, seeking help, avoidance) of Kebumen district e-banking users. By disseminating surveys via a Google form, 121 study samples were acquired. Purposive sampling was utilized in this study, with the criteria of respondents obtained by e-banking. In this work, structural equation modeling is used to evaluate hypotheses using the WarpPLS version 7.0 program. The findings of hypothesis testing demonstrate that perceived threats and anxiety have an influence on coping behavior; however, there is no evidence that perceived threats lead to avoidance. According to the findings of this study, threats have no effect on respondents' usage of e-banking because it has become a daily requirement.
Downloads
References
Brown, I., Hoppe, R., Newman, P., & Stander, A. (2004). The impact of national environment on the adoption of internet banking: comparing Singapore and South Africa. Journal of Global Information Management, 12(2), 1-26.
Chen, Y., & Zahedi, F. M. (2016). Individual security perceptions and behavior: polycontextual contrasts between the United States and China. MIS Quarterly, 40(1), 205-222.
Elliot, A. J., Chiskov, V. I., Kim, Y., & Sheldon, K. M. (2001). A cross-cultural analysis of avoidance (relative to approach) personal goals. Psychological Science, 12(6), 505-510.
Elliot, A. J., Sedikides, C., Muryama, K., Tanaka, A., Thrash, T. M., & Mapes, R. R. (2012). Cross- cultural generality and specificity in self-regulation: avoidance personal goals and multiple aspects of well-being in the United States and Japan. Emotion, 12(5), 1031-1041.
Hair Jr, J. F., Hult, G. T. M., Ringle, C., & Sarstedt, M. (2016). A primer on partial least squares structural equation modeling (PLS-SEM). California: Sage Publication.
Haturuk, D. M., & Kartika, H. (2019). Transaksi mobile banking sejumlah bank tumbuh signifikan. Retrieved October 31, 2019, from https://keuangan.kontan.co.id/news/kuartal-iii-2019- transaksi-mobile-banking-sejumlah-bank-tumbuh-signifikan
Inkeles, A. (1975). Becoming modern: individual change in six developing countries. Ethos, 3(2), 323-342.
Krohne, H. W., & Hock, M. (2011). Anxiety, coping strategies, and the processing of threatening information: investigations with cognitive-experimental paradigms. Personality and Individual Differences, 50(7), 916–925.
Lazarus, R., & Folkman, S. (1984). Stress, coping and adaptation. New York: Springer-Verlag.
Lazarus, R. S., & Launier, R. (1978). Stress-related transactions between person and environment. New York: Springer US.
Lazurus, R. S. (1991). Emotion and adaptation. New York: Oxford University Press.
Liang, H., & Xue, Y. (2009). Avoidance of information technology threats: a theoretical perspective. MIS Quarterly, 33(1), 71-90.
Liang, H., & Xue, Y. (2010). Understanding security behaviors in personal computer usage: A threat avoidance perspective. Journal of the Association for Information Systems, 11(7), 394-413.
Mahardhika, A. S., & Prasetyo, A. (2019). Dampak collectivism pada hubungan antara moral reasoning dan whistleblowing. Jurnal Akuntansi, Manajemen Dan Ekonomi, 21(3), 70-74.
McCrae, R. R. (1984). Situational determinants of coping responses: loss, threat, and challenge. Journal of Personality and Social Psychology, 46(4), 919-928.
Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S. (2004). Consumer acceptance of online banking: an extension of the technology acceptance model. Interner Research, 14(3), 224–235.
Rogers, R. (1975). A protection motivation theory of fear appleas and attitude change. Journal of Psychology, 91, 93-114.
Sholihin, M., & Ratmono, D. (2013). Analisis SEM-PLS dengan WarpPLS 3.0. Yogyakarta: Andi Offset.
Tan, M., & Teo, T. S. (2000). Factors influencing the adoption of internet banking. Journal of the Association for Information Systems, 1(1), 1-42.
Wachyudy, D., & Sumiyana, S. (2018). Could affectivity compete better than efficacy in describing and explaining individuals' coping behavior: An empirical investigation. The Journal of High Technology Management Research, 29(1), 57-70.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 Arya Samudra Mahardhika
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
