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All Journal Contemporary Studies in Economic, Finance and Banking (CSEFB)
Maharani, Rachmadina Selvi Dwijannati
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Economics, Econometrics & Finance Social Sciences

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The Influence of Risk Perception, Bank Reputation, Accessibility, Interest Rate, and Security Perception on the Saving Preferences of Bank BRI Customers Amid the Social Engineering Case Maharani, Rachmadina Selvi Dwijannati; Susilo
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 3 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The advancement of digital technology in banking poses a new challenge in the form of increasing social engineering crimes, which theoretically should reduce customer deposit preferences as risk perception increases. However, at BRI Bank, the number of customers continues to increase despite facing social engineering, creating a gap between prospect theory and empirical conditions. This study aims to determine the influence of risk perception, bank reputation, accessibility, interest rates, and security perceptions on BRI Bank customers' deposit preferences amidst social engineering cases. The method used is a quantitative approach with explanatory research, and data were analyzed using binary logistic regression. Data were obtained through an online questionnaire distributed to BRI Bank customers in Malang City. The results of this study indicate that bank reputation and security perceptions have a significant positive effect on customer deposit preferences, while risk perceptions, accessibility, and interest rates have no effect. These findings indicate that customer deposit preferences are more influenced by trust in the bank and confidence in system security. This research is expected to serve as a reference for BRI Bank in maintaining its reputation and strengthening security to maintain customer deposit preferences.
Co-Authors Susilo