Tinjauan terhadap Perilaku Konsumen dan Keamanan Kartu Kredit di Sektor Perbankan

Hendra Saputra; Adi Saputra

doi:10.61429/jaem.11.7

Authors

Hendra Saputra 2 STAIN Mandailing Natal, Indonesia Author
Adi Saputra STAIN Mandailing Natal, Indonesia Author

DOI:

https://doi.org/10.61429/jaem.11.7

Keywords:

Security, Consumer Behavior, Credit Cards

Abstract

This article discusses consumer behavior and aspects of credit card security in banking. Credit cards have emerged as a non-cash payment method that makes various business and financial transactions easier, so many consumers choose to use them. From the results of the study and discussion, it was found that consumer behavior in using credit cards is more influenced by personal factors. Driven by needs and lifestyle are the main reasons why many consumers are interested in using credit cards. Banks as credit card issuers have also provided sophisticated and layered security features. However, there are still potential loopholes that can be exploited by criminals to commit fraud in various ways and forms. To maintain credit card security from crime and fraud, consumer behavior needs to be changed by maintaining confidentiality, being careful, and remaining vigilant in every transaction.

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