Dark Patterns, Perceived Control, and Privacy Disclosure Intention in E-Wallet Applications: A Privacy Calculus Perspective

Abstract

As E-Wallet use becomes more popular among Indonesians daily users, an issue has risen alongside it. The issue is how much personal data users would be willing to share, and whether they fully understand the usage of their personal data. Interface design plays a big part in steering users to share more than they intend. Therefore, this study focusing on how Dark Patterns Awareness and Perceived Privacy Control influence Privacy Disclosure Intention among daily E-Wallet users in Indonesia. Using Privacy Calculus Theory as the main frameworks, alongside Communication Privacy Management (CPM) Theory as a support framework to providing more context on the impact of dark patterns on users Perceived Risk, and whereas increase perceived control regarding their personal information tends to increase users Perceived Benefit. As per the Perceived Risk and Perceived Benefit act as the mediating variables. Data for this research were collected through an online questionnaire that was distributed to active E-Wallet users in Indonesia, resulting in 221 valid responses analyzed through PLS-SEM. The end goal of this research is to contribute to the ongoing discussion on privacy disclosure in fintech, and the findings are intended to offer a practical guidance for E-Wallet developers, users, dan regulators in Indonesia.