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All Journal Jurnal Bisnis dan Ekonomi Jurnal Manajemen Atma Jaya Jurnal Mirai Management J-MAS (Jurnal Manajemen dan Sains) SEIKO : Journal of Management & Business YUSTISI EQIEN - JURNAL EKONOMI DAN BISNIS YUME : Journal of Management BILANCIA JURNAL USM LAW REVIEW Yustisi: Jurnal Hukum dan Hukum Islam Jurnal Manajemen Jurnal Pengabdian Multidisiplin Indonesian Management and Accounting Research Jurnal Hukum dan Sosial Politik Eksekusi: Jurnal Ilmu Hukum dan Administrasi Negara Jurnal Ilmiah Research Student Mandub: Jurnal Politik, Sosial, Hukum dan Humaniora Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JURNAL ILMIAH PENELITIAN MAHASISWA LEX et ORDO Journal of Ekonomics, Finance, and Management Studies Bilancia : Jurnal Studi Ilmu Syariah dan Hukum
Ali Maskur
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Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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INTERGENERATIONAL INSIGHT OF FRAUD INTENTION IN DIGITAL BANKING: WHAT MAKES CUSTOMERS GO ROGUE? Ali Maskur; Santoso, Ignatius Hari
Jurnal Manajemen Vol. 22 No. 2 (2025): Jurnal Manajemen
Publisher : Fakultas Ekonomi dan Bisnis Universitas Katolik Indonesia Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25170/jm.v22i2.6735

Abstract

This study investigates the factors influencing customers' intention to commit fraud in the context of mandatory digital banking, with a focus on intergenerational differences between Generation Y and Millennials. Guided by the Fraud Triangle Theory, the research explores how perceived opportunity, financial pressure, and rationalization contribute to fraud intention. A mixed-method approach was employed, beginning with in-depth qualitative interviews followed by a quantitative survey of 100 digital banking users in Indonesia. The constructions were validated through factor analysis, and the model was tested using Partial Least Squares (PLS-SEM). The findings reveal that perceived opportunity and rationalization significantly influence fraud intention, while financial pressure does not. Furthermore, generational differences do not moderate the relationships between the predictors and fraud intention. These results highlight the importance of improving digital system integrity and addressing ethical rationalizations to prevent fraud. The study contributes to a deeper understanding of consumer-initiated financial fraud in the digital age and suggests avenues for more targeted fraud prevention strategies.
Co-Authors Ahmad Imam Nurhidayat Aisyah Salsabila Alya Nabila Adistia Alya Nur Fitriana Anisatuzzuhriya, Yunita Aquinia, Ajeng Arina Hukmu Adila Asrul Pratama Bangkit Kartika Siwi Daud Rismana Elinda Novita Dewi Euis Soliha Fariza Shegi Pratama Fitri, Rifi Maria Laila Ilyas Gunantha Indra Purwanto Irwanto Irwanto Jihan Usamah Bin Abbas Leonardo Karel Hurulean Maulida Ayu Ardiyana Muhammad Alvian Yudistira Chandra Chaerudin Mulyo Budi Setiawan Niels Sohilat Santoso, Ignatius Hari Sinta Rosita Sari Sinta Yuliana Syamsiar, Syamsiar Ulfi Setiyani Via Yunita Widya Mayang Yuninda