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All Journal Marine Research in Indonesia JIEB : Jurnal Ilmiah Ekonomi Bisnis Jurnal Syntax Imperatif : Jurnal Ilmu Sosial dan Pendidikan Jurnal Al Azhar Indonesia Seri Ilmu Sosial Journal of Islamic Economics and Philanthropy International Journal Law and Legal Ethics (IJLLE) Journal of Hospitality Accommodation Management Journal Hotspot (jh) Jurnal Pengabdian Masyarakat STIE Surakarta (DIMASETA) Journal of Society Bridge Journal of Commerce Management and Tourism Studies Journal of Information Technology and society (JITS) Social Sciences Insights Journal Research of Islamic Economics (RIE) Jurnal Ilmu Politik dan Studi Sosial Terapan Indonesian Journal of Applied Accounting and Finance Journal of Sharia Economics, Banking and Accounting Indonesian Tourism Journal LinguaEducare: Journal of English and Linguistic Studies Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Expert Net: Exploration Journal of Technological Education Trends Alkasb: Journal of Islamic Economics Jurnal Ilmu-Ilmu Pertanian Jurnal Sosial & Humaniora (Silatene) Journal of Economics, Management and Accounting (JEMA) Journal of Economic and Business Jurnal Penelitian Ilmu Pariwisata JEIZA: Jurnal Ekonomi Islam Az-Zain
Koswara, Asep
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Journal : Indonesian Journal of Applied Accounting and Finance

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Digital Banking Rivalry in Indonesia: ML-Powered Analysis and Forecasting Using Search Data for Top 5 Banks Koswara, Asep
AKUMULASI: Indonesian Journal of Applied Accounting and Finance Vol. 4 No. 1 (2025): June
Publisher : Vocational School, Universitas Sebelas Maret (UNS), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/akumulasi.v4i1.2360

Abstract

The growing adoption of digital banking in Indonesia has heightened competition among financial institutions, prompting the need for data-driven insights to understand consumer behavior. This research investigates public interest in Indonesia’s five leading digital banks: SeaBank, Bank Jago, Bank Neo Commerce (BNC), blu by BCA Digital, and Allo Bank. The analysis utilized Google Trends data from 2019 to 2024. The primary goal is to explore how search behavior reflects market competition, regional adoption, and potential strategies for stakeholder decision-making. To achieve this, this research employed a quantitative approach using descriptive analysis, time-series forecasting, and clustering. ARIMA and Prophet models were applied to forecast future interest trends, while clustering techniques identified similarities in regional and temporal patterns. ARIMA is found to be more accurate for stable trends, whereas Prophet effectively detects seasonal variations. Google Trends data, while innovative and timely, has limitations as a proxy for actual consumer behavior. However, it provides valuable directional insights. For instance, SeaBank and Bank Jago show sustained interest due to their integration with ecosystem like Shopee and Gojek, respectively. In contrast, Allo Bank's popularity appears to be mostly driven by events, making it more short-lived. This research, theoretically, contributes to the fields of fintech and consumer analytics by demonstrating that search interest reflects engagement with digital banking. Practically, it provides strategic recommendations for geo-targeted marketing, ecosystem partnerships, and identification of underserved areas. These findings can help digital banks enhance their regional outreach and establish a strong brand presence in Indonesia's evolving financial landscape.
Co-Authors Aditya, Vishnu Arief Rachman Hikmah Thoha Lina Herlina Neni Kurniawati Nurul Fitriya Siti Marpuah, Siti Tumpak Sidabutar