Assessing Information Security Awareness in Indonesian E-Wallet Users: A Study Among Students

As Indonesia progressively strives to become a Smart City hub, the integration of e-wallets as a preferred payment method has surged. However, this digital transformation brings significant information security risks, such as a 36.6% data leakage rate. In the Smart City paradigm, where seamless connectivity and efficient urban management are paramount, the security awareness of young digital natives becomes a critical concern. This study aims to evaluate the level of information security awareness among Indonesian students, focusing on high school and college demographics known for their prolific use of e-wallets. The objectives include identifying the current state of awareness, determining the influence of educational levels on security practices, and suggesting measures to enhance information security education. Employing a quantitative approach, the study utilizes the Analytic Hierarchy Process (AHP) and Multiple Criteria Decision Analysis (MCDA) models to analyze student survey data. This methodology comprehensively evaluates the participants' knowledge, attitudes, and behaviors regarding e-wallet security. The findings reveal a ‘Medium’ level of information security awareness among both student groups, with scores of 76.48% and 76.33%, respectively. The study contributes to the broader discourse on digital security by highlighting the need for targeted educational interventions to bolster information security awareness among the youth. Building on these insights, future research should explore the development and implementation of educational programs tailored to the needs of young e-wallet users. Additionally, investigating the long-term effectiveness of these programs in changing security behaviors and attitudes will be vital, especially as digital financial services continue to evolve within Smart City infrastructures.