Comparison Analysis between Mobile Banking and Mobile Payment as Determinant Factors of Customer Privacy

Abstract

Mobile banking and mobile payment are currently always used by customers for financial payments. With customer payments, it is usually easier to make payments with mobile payment, because it is more practical and direct than mobile banking. However, is the privacy of both platforms understood by the customer? Research questions to be answered: 1) What are the factors that influence privacy issues in mobile banking? 2) What are the factors that influence privacy issues with mobile payments? 3) What are the factors that influence confidence in mobile banking? 4) What are the factors that influence confidence in mobile payments? 5) Does the privacy factor influence the perceived privacy? 6) Does the confidence factor influence the perceived privacy? There are two research models and 12 (twelve) hypotheses for each model. Privacy risk, subjective norm, information management factors positive influence on privacy interest, and trust. Care about privacy and trust have a positive influence on mobile payment.