Biblio

This study purpose was to examine the determinant factors that affect the Micro, Small, and Medium Enterprise (MSME) merchants who had the intention to use Quick Response Code Indonesian Standard (QRIS) as a payment system. QRIS was expected to be applied by merchants to diminish the virus spread and keep the circulation of money safe; but there were not many merchants using the QRIS as a payment method. The factors MSME merchant might not use the QRIS were related to perceived usefulness, perceived security, perceived ease of use, and trust. The population was MSMEs in South Tangerang City who did not use QRIS yet and the population was unknown. Using the Lemeshow formula, obtained a sample of 115 people, and the sampling technique used purposive sampling. Then data were analyzed using multi-regression analysis and processed by SPSS. The results indicated that perceived usefulness and perceived security had a significant affect on trust, whereas trust and ease of use significant affect the intention to use QRIS. Moreover, trust was able to mediate the perceived usefulness to intention to use. Since ease of use had no significant affect on trust, then the mediation given by trust to perceived ease of use had no significant affect on intention to use.

When communication about security to end users is ineffective, people frequently misinterpret the protection offered by a system. The discrepancy between the security users perceive a system to have and the actual system state can lead to potentially risky behaviors. It is thus crucial to understand how security perceptions are shaped by interface elements such as text-based descriptions of encryption. This article addresses the question of how encryption should be described to non-experts in a way that enhances perceived security. We tested the following within-subject variables in an online experiment (N=309): a) how to best word encryption, b) whether encryption should be described with a focus on the process or outcome, or both c) whether the objective of encryption should be mentioned d) when mentioning the objective of encryption, how to best describe it e) whether a hash should be displayed to the user. We also investigated the role of context (between subjects). The verbs "encrypt" and "secure" performed comparatively well at enhancing perceived security. Overall, participants stated that they felt more secure not knowing about the objective of encryption. When it is necessary to state the objective, positive wording of the objective of encryption worked best. We discuss implications and why using these results to design for perceived lack of security might be of interest as well. This leads us to discuss ethical concerns, and we give guidelines for the design of user interfaces where encryption should be communicated to end users.

Security is one of the main and continual challenges that restrict government stakeholders (e.g. citizens) engagement with the cloud services. This paper has as its objective the discovery of the security perceptions of cloud-based e-government services from the citizens' and IT-staff perspectives. It investigates the factors that influence the citizen's perception of security. Little efforts have been done by previous literature to investigate and analyze the integration between citizens' concerns regarding the perceived security and those of IT -staff, the current study highlights this issue. This work provides an empirical study to understand citizens' priorities, needs and expectations regarding the perceived security of cloud-based e-government services which are a novel e-government initiative in Jordan, also enriches the existing security perceptions literature by introducing new insights. An interpretive-qualitative approach was adopted, as it helps to understand the participants' perceptions in the research natural setting.