Abstract

The advancement of technology in the digital era does not only bring various opportunities, but also raises various threats to information security, especially in the age of being highly dependent on mobile banking. This study focuses on analyzing the factors influencing the level of information security awareness of mobile banking users, especially against social engineering attacks in Jakarta. With the increasing use of mobile banking in Indonesia's heart of the economy, the city of Jakarta has become the focus of this study. Based on 429 respondents’ data obtained through a quantitative survey, this study analyzes the key elements and relationship between cybersecurity knowledge, exposure to social engineering attacks, cyber hygiene practices, security perceptions, computer skills, and work experience with the level of information security awareness. The finding of the analysis show that cyber security knowledge and cyber hygiene have a significant influence in increasing awareness of social engineering threats, underscoring the importance of fostering cybersecurity culture amongst mobile banking users to safeguard their information. Interestingly, while variables like computer proficiency, perceived security, and work experience did not significantly affect security awareness, a weak negative correlation was observed between exposure to social engineering attacks and awareness, suggesting that experiencing such attacks does not necessarily heighten the level of awareness. This highlights the need for proactive education and targeted security policies to effectively equip mobile banking users in Jakarta against evolving cyber threats. This research aims to provide strategic recommendations for the development of more effective information security policies and education programs for mobile banking users in Jakarta.