Factors that Affect the Adoption of Digital Bank in Indonesia

Proceedings of the 2022 6th International Conference on E-Business and Internet Pub Date : 2022-10-14 DOI:10.1145/3572647.3572671

K. Deniswara, Kenneth Audric Nurjadi, Enrique Nathaniel, Yuliana Lisanti, Antonius Deni Paul Lega, Maeda Azalia Wardhani

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Abstract

The purpose of this paper is to examine a model that explains the factors that influence Indonesian customers to adopt digital banks. Digital bank is defined as a conventional bank that transforms digitally using IoTs, Big Data, and AI in industrial revolution 4.0 era and focuses on developing its services to help customers carry out their banking activity The model proposed was based on the unified theory of acceptance and use of technology 2 (UTAUT2) model. Structural equation modelling (SEM) was conducted to analyze the data collected from the questionnaires that are collected from 100 Indonesia digital banking users, the data collected were analyzed using SPSS and AMOS. The result of this paper shows that behavioral intention is significantly influenced by Habit, Trust, Price Value, Performance expectancy, Social Influence. This study provided important contribution to practitioners to know what change that is need, Indonesian Bank to know how to deal with digital bank customers, and digital bank users to know what is digital bank and its function. This study was conducted only in Indonesia which may limit various culture that exist in other country that can lead to different results in future research

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影响印尼数字银行采用的因素

本文的目的是检验一个模型，该模型解释了影响印度尼西亚客户采用数字银行的因素。数字银行被定义为在工业革命4.0时代利用物联网、大数据和人工智能进行数字化转型，专注于开发服务以帮助客户开展银行业务的传统银行。提出的模型基于统一接受和使用技术理论2 (UTAUT2)模型。本文采用结构方程模型(SEM)对100名印尼数字银行用户的调查问卷数据进行分析，并使用SPSS和AMOS对收集到的数据进行分析。研究结果表明，行为意向受习惯、信任、价格价值、绩效期望、社会影响的显著影响。该研究为从业者了解需要什么样的变化，印度尼西亚银行了解如何处理数字银行客户，以及数字银行用户了解什么是数字银行及其功能提供了重要贡献。本研究仅在印度尼西亚进行，这可能会限制其他国家存在的各种文化，从而导致未来研究的不同结果

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Proceedings of the 2022 6th International Conference on E-Business and Internet

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