Analysis of respondents’ opinions and attitudes toward the security of payment systems

Abstract

The number of financial and cyber-attacks is increasing. The latter trend in financial and cyber security incidents is global and, as such it is being monitored globally. Cyber and financial statistical data and the growing number of certified information management systems show the practical importance of data security at the international level. The decisions to solve the data security problems are based on the technical point of view, protection motivation theory, and security standards. By analysing the security of payment system, this article aspires to aid in the development of secure systems. Its aim is to contribute to the knowledge and comprehension of the behaviour of payment systems users with special focus on the aspect of their security. The article analyses the opinions and attitudes of respondents toward the questions dealing with the security of payment systems and their behaviour when using payment cards. The analysis is carried out from the aspect of gender, age and education of respondents by using multidimensional statistical methods, namely factor analysis and analysis of dispersion.