Melola Discovery

← Melola Discovery

Akses terbuka Jurnal

Risk Management Model for Compliance and Security in Blockchain Powered Payment Platforms

APTISI Transactions on Management (ATM) · Vol. 9 No. 2 (2025) · hlm. 186–196

DOI
10.33050/atm.v9i2.2475
ISSN
2622-6804, 2622-6812
Terbit
2025-05-31
Penerbit
Pandawan
Bahasa
en
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

Blockchain technology has revolutionized financial services by enabling decen- tralized, transparent, and tamper-resistant payment platforms. However, these innovations bring significant challenges related to regulatory compliance and security management, which threaten platform adoption and user trust. This study aims to develop and empirically validate a comprehensive risk management model that integrates both regulatory oversight and security auditing dimensions specific to blockchain-powered payment systems. A cross-sectional survey was conducted among 215 industry practitioners involved in blockchain payment platforms. Using Partial Least Squares Structural Equation Modeling (PLS-SEM), the study tested hypothesized relationships among regulatory over- sight, smart contract auditing, perceived compliance and security risks, risk mit- igation intent, and platform adoption intention. The results demonstrate that regulatory oversight and smart contract auditing significantly increase perceived compliance and security risks. These heightened risk perceptions positively in- fluence intentions to mitigate risks, which in turn significantly drive platform adoption. The model explains 58% and 42% of the variance in risk mitigation intent and platform adoption intention, respectively, confirming its strong ex- planatory power. This research contributes a validated, unified risk manage- ment framework that guides policymakers, platform operators, and auditors in addressing intertwined compliance and security risks. The findings support the advancement of safer, more trustworthy blockchain payment systems, fostering broader adoption and aligning with evolving regulatory landscapes.

Kata kunci

Jaringan kolaborasi para penulis

40 penulis · 126 tautan kepenulisan bersama · 50 lintas organisasi · menampilkan 40 yang paling banyak terhubung

Arahkan kursor atau ketuk sebuah nama untuk menyorot rekan penulisnya. Klik dua kali untuk membuka halaman penulis.

  • Universitas Raharja
  • Graphic Era Hill University
  • Universitas Catur Insan Cendekia Cirebon
  • Veer Narmad South Gujarat University
  • Syarif Hidayatullah State Islamic University Jakarta
  • Universitas PGRI Palembang
  • Universitas Simalungun
  • Organisasi lain
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
  • Garis lebih tebal = lebih banyak artikel bersama · lingkaran lebih besar = lebih banyak artikel
Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Tuti NurhaeniUniversitas Raharja2
Nuke Puji Lestari SantosoUniversitas Raharja2
Ihsan Nuril HikamUniversitas Raharja2
Marviola HardiniAfiliasi tidak diketahui2
Dwi JulianingsihUniversitas Raharja2
Ninda LutfianiUniversitas Raharja1
Ankur SinghGraphic Era Hill University1
Widya FebrianiUniversitas Raharja1
Husni Teja SukmanaSyarif Hidayatullah State Islamic University Jakarta1
Amitkumar DudhatVeer Narmad South Gujarat University1
Aditya MardiansyahUniversitas Raharja1
Nur AzizahUniversitas Raharja1
Dewi ImmaniarUniversitas Raharja1
Dedeh SupriyantiUniversitas Raharja1
Nanda SeptianiUniversitas Raharja1
Aan KaniviaUniversitas Catur Insan Cendekia Cirebon1
Hilda HildaAfiliasi tidak diketahui1
Alfri AdiwijayaUniversitas Raharja1
Muhammad Faizal FazriUniversitas Raharja1
Sabda MaulanaUniversitas Raharja1
Hetilaniar HetilaniarUniversitas PGRI Palembang1
Semaria Eva Elita GirsangUniversitas Simalungun1
Souza Nurafrianto Windiartono PutraSaarland University1
Kawl W KartsUniversity College Dublin1
Chitra PandeyGraphic Era Hill University1
Ankur Singh BistGraphic Era Hill University1
Megha UpretiGraphic Era Hill University1
Buphest RawatGraphic Era Hill University1
Hiroshi KentaUniversity of Miyazaki1
Mochamad Heru Riza ChakimUniversitas Raharja1
Lena MagdalenaUniversitas Catur Insan Cendekia Cirebon1
Ageng Setiani RafikaUniversitas Raharja1
Chandra LukitaUniversitas Catur Insan Cendekia Cirebon1
Sudadi PranataUniversitas Catur Insan Cendekia Cirebon1
Muhamad YusupUniversitas Raharja1
Romzi Syauqi NaufalUniversitas Raharja1
Untung RahardjaUniversitas Raharja1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://ijc.ilearning.co/ATM/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en">Risk Management Model for Compliance and Security in Blockchain Powered Payment Platforms</dc:title>
	<dc:creator xml:lang="en">Novalita Savitri, Agnes </dc:creator>
	<dc:creator xml:lang="en">Hardini, Marviola</dc:creator>
	<dc:creator xml:lang="en">Yao, Goh</dc:creator>
	<dc:creator xml:lang="id">Yao, Goh</dc:creator>
	<dc:subject xml:lang="en">Risk Management</dc:subject>
	<dc:subject xml:lang="en">Blockchain Technology</dc:subject>
	<dc:subject xml:lang="en">Regulatory Compliance</dc:subject>
	<dc:subject xml:lang="en">Security Risks</dc:subject>
	<dc:subject xml:lang="en">Fintech</dc:subject>
	<dc:description xml:lang="en">Blockchain technology has revolutionized financial services by enabling decen- tralized, transparent, and tamper-resistant payment platforms. However, these innovations bring significant challenges related to regulatory compliance and security management, which threaten platform adoption and user trust. This study aims to develop and empirically validate a comprehensive risk management model that integrates both regulatory oversight and security auditing dimensions specific to blockchain-powered payment systems. A cross-sectional survey was conducted among 215 industry practitioners involved in blockchain payment platforms. Using Partial Least Squares Structural Equation Modeling (PLS-SEM), the study tested hypothesized relationships among regulatory over- sight, smart contract auditing, perceived compliance and security risks, risk mit- igation intent, and platform adoption intention. The results demonstrate that regulatory oversight and smart contract auditing significantly increase perceived compliance and security risks. These heightened risk perceptions positively in- fluence intentions to mitigate risks, which in turn significantly drive platform adoption. The model explains 58% and 42% of the variance in risk mitigation intent and platform adoption intention, respectively, confirming its strong ex- planatory power. This research contributes a validated, unified risk manage- ment framework that guides policymakers, platform operators, and auditors in addressing intertwined compliance and security risks. The findings support the advancement of safer, more trustworthy blockchain payment systems, fostering broader adoption and aligning with evolving regulatory landscapes. </dc:description>
	<dc:publisher xml:lang="en">Pandawan</dc:publisher>
	<dc:date>2025-05-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ijc.ilearning.co/ATM/article/view/2475</dc:identifier>
	<dc:identifier>10.33050/atm.v9i2.2475</dc:identifier>
	<dc:source xml:lang="en">APTISI Transactions on Management (ATM); Vol. 9 No. 2 (2025): May; 186–196</dc:source>
	<dc:source xml:lang="id">APTISI Transactions on Management (ATM); Vol 9 No 2 (2025): May; 186–196</dc:source>
	<dc:source>2622-6804</dc:source>
	<dc:source>2622-6812</dc:source>
	<dc:source>10.33050/atm.v9i2</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://ijc.ilearning.co/ATM/article/view/2475/892</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Agnes Novalita Savitri, Marviola Hardini, Goh Yao (Authors)</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>