The digital revolution has ushered in a new era of connectivity and innovation, transforming the way we live, work, and manage our finances.However, like a double-edged sword, these advancements have also paved the way for increasingly dangerous cyber threats [1].In Indonesia, where digital transactions have surged in recent years, the emergence of cashless payment methods such as electronic money (E-Money) [1] and quick response code Indonesian standard (QRIS) have played a significant role in driving this growth [2].These convenient payment methods have made financial transactions faster and more accessible but have also become attractive targets for cybercriminals.
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