Conceptual Research Paper on Financial Cybercrime Avoidance Behavior in Indonesia

In this digital era, human life is becoming increasingly intertwined with the development of cyber technology. As cyberspace users, we need a secure cyberspace. However, in reality, cyberspace is not secure, and there are still many cyber crimes that occur. This study aims to propose a conceptual model to explore the factors that influence financial cybercrime avoidance behavior. The method used in this research is the conceptual research method, which is described as a set of broad ideas and principles taken from relevant field investigations and used to develop and propose a framework model for further research. The main theory of this research is the Technology Threat Avoidance Theory, and the researchers expand the theory with the Regret Theory. This conceptual model is expected to provide an overview of the factors that influence financial cybercrime avoidance behavior.