The Relationship Between Cybersecurity and Public Trust in Digital Services Based on Fintech Lending Applications

Harry Sudhana; Dhian Tyas Untari; Ahmad Syarif; Nyayu Maya  Ardini; Muhammad Firman  Maulana; Pandri  Zulfikar

doi:10.63922/ijbqr.v4i02.3392

Harry Sudhana Magister Ilmu Hukum; Syekh-Yusuf Islamic University, Tangerang - Banten;
Dhian Tyas Untari Magister Ilmu Hukum; Syekh-Yusuf Islamic University, Tangerang - Banten;
Ahmad Syarif Magister Ilmu Hukum; Syekh-Yusuf Islamic University, Tangerang - Banten;
Nyayu Maya Ardini Magister Ilmu Hukum; Syekh-Yusuf Islamic University, Tangerang - Banten;
Muhammad Firman Maulana Magister Ilmu Hukum; Syekh-Yusuf Islamic University, Tangerang - Banten;
Pandri Zulfikar Magister Ilmu Hukum; Syekh-Yusuf Islamic University, Tangerang - Banten;

DOI: https://doi.org/10.63922/ijbqr.v4i02.3392

Keywords: Cybersecurity, Fintech Lending, Digital Trust, Data Protection, User Behavior

Abstract

The rapid growth of fintech lending applications has significantly transformed access to financial services, especially in developing countries. These platforms provide fast, convenient, and accessible financial solutions; however, they also raise critical concerns regarding cybersecurity and data protection. This study aims to analyze the relationship between cybersecurity and public trust in digital lending applications through a qualitative literature review. Cybersecurity is a key determinant of trust, as users must share sensitive personal and financial information when accessing digital lending services. Empirical studies indicate that data breaches, unauthorized access, and misuse of personal data significantly reduce consumer trust. Conversely, strong cybersecurity mechanisms such as encryption, authentication systems, and regulatory compliance enhance trust and encourage adoption This paper finds that cybersecurity is not only a technical requirement but also a strategic factor in building sustainable trust relationships between users and fintech providers. Strengthening cybersecurity frameworks, improving regulatory enforcement, and increasing digital literacy are essential to fostering trust in digital lending ecosystems. The study contributes to the understanding of how cybersecurity influences trust and provides insights for policymakers and fintech providers in developing secure and reliable digital financial services.

Keywords: Cybersecurity, Fintech Lending, Digital Trust, Data Protection, User Behavior

References

Alpcan, T., Levi, A., & Savas, E. (2011). Digital trust models. Lecture Notes in Computer Science, 7037.
Bharadwaj, A., El Sawy, O. A., Pavlou, P. A., & Venkatraman, N. (2013). Digital business strategy: Toward a next generation of insights. MIS Quarterly, 37(2), 471–482.
Bharathiar, J. T., & Sumathy, M. (2024). Cybersecurity awareness and fintech trust. Formosa Journal of Computer and Information Science, 3(1).
Chen, X., Liu, Y., & Wang, Z. (2025). Cyber risk and fintech adoption. Journal of Behavioral and Experimental Finance, 100687.

Darman, D. (2019). Fintech lending characteristics. Jurnal Manajemen Teknologi, 18(2).
Dewatmoko, S., Prasetyo, B., & Nugroho, A. (2024). Security perception and trust. Management Studies and Entrepreneurship Journal, 4(6).
Efryanto. (2024). Security and e-service quality in fintech lending. Account: Jurnal Akuntansi, Keuangan dan Perbankan, 11(1), 2208–2221.
Fu, J., & Mishra, M. (2023). Fintech risks and trust. The British Accounting Review, 55(4).
Gill, M. A., Rahman, A., & Khan, S. (2023). Cybersecurity evolution in fintech. Journal of Computing & Biomedical Informatics, 5(1).
Gindre, F., & Ibarra, G. (2024). AI and blockchain in fintech security. Journal of Computer Science and Technology, 26(4).
Handayani, A. (2023). Cybersecurity threats in fintech lending. Jurist-Diction, 6(4).
Hughes, L., Dwivedi, Y. K., Rana, N. P., & Williams, M. D. (2023). Cybersecurity in digital systems. International Journal of Information Management, 68.
Javaheri, D., Hosseini, S., & Rezaei, M. (2023). Cybersecurity threats in fintech. Expert Systems with Applications, 241, 122697.
Kamuangu, P. (2025). Cybersecurity and fintech convergence. Global Business Review, 43(4).
Liang, W., Zhang, R., & Liu, Y. (2024). Blockchain privacy. ACM Computing Surveys, 56(12).
Moore, T., & Pym, D. (2015). Cybersecurity research. Journal of Cybersecurity, 1(1). ISSN: 2057-2085.
Muin, I., & Suhra, A. (2024). Data protection in fintech. Restorative Journal, 1(2).
Muthukannan, P., Tan, B., Gozman, D., & Johnson, L. (2020). Fintech ecosystem research. Technological Forecasting and Social Change, 161.
Mustapha, I., Abdullahi, M., & Bello, A. (2023). Cybersecurity in fintech mobile apps. International Journal of Interactive Mobile Technologies, 17(22). ISSN: 1865-7923.
Nangin, M. A., Barus, B., & Sumarwan, U. (2019). Security and trust in fintech adoption. Journal of Consumer Sciences, 5(2), 124–138.
Pietrzak, P., & Takala, J. (2021). Digital trust framework. Forum Scientiae Oeconomia, 9(1).
Pratama, J. (2021). Trust in P2P lending. Jurnal Sisfokom, 10(1).
Primadasa, Y., Gunawan, A., & Santoso, H. (2021). TAM and trust in fintech. CogITo Smart Journal, 7(2).
Putri, M. Z., Sutarso, Y., & Hiqmah, F. (2021). Security risk and trust. Journal of Business & Banking, 11(1). ISSN: 2088-7841.
Rahmawati, E., Putra, A., & Lestari, D. (2024). Personal data misuse in fintech lending. Airlangga Development Journal, 8(1).
Riskiyadi, M., Santoso, B., & Wibowo, A. (2021). Cybercrime and fintech. Jurnal Manajemen dan Organisasi, 12(3). ISSN: 2088-7096.
Suryono, R. R., Budi, I., & Purwandari, B. (2021). Fintech ecosystem issues in Indonesia. Heliyon, 7(4). ISSN: 2405-8440.
Zhang, Y., & Xu, H. (2022). Blockchain security systems. Security and Communication Networks, 2022(1).