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All Journal Journal of Educational, Health and Community Psychology JOIV : International Journal on Informatics Visualization Jurnal ULTIMA InfoSys ComTech: Computer, Mathematics and Engineering Applications Journal of Information Systems and Informatics International Journal of Economics, Business and Accounting Research (IJEBAR) Indonesian Journal of Electrical Engineering and Computer Science Cakrawala Repositori Imwi International Journal of Cyber and IT Service Management (IJCITSM) Kesatria : Jurnal Penerapan Sistem Informasi (Komputer dan Manajemen)
Viany Utami Tjhin
Bina Nusantara University
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Mathematics Public Health

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Understanding the Key Drivers Behind User Selection of Digital Banks Erwin Sugiharto; Viany Utami Tjhin
International Journal of Cyber ​​and IT Service Management (IJCITSM) Vol. 5 No. 2 (2025): October
Publisher : International Institute for Advanced Science & Technology (IIAST)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/ijcitsm.v5i2.215

Abstract

This study aims to understand the key drivers underlying the selection of digital banks by users in Indonesia. The research model uses a modified UTAUT (Unified Theory of Acceptance and Use of Technology) framework with additional variables of Perceived Trust, Fear Of Financial Lost, Perceived Online Identity Theft, and Security & Privacy Concern. A total of 434 respondents who use digital bank applications were analyzed using the PLS-SEM technique through SmartPLS 4 software. The results showed that the factors of Performance Expectancy, Social Influence, and Perceived Trust are the key drivers towards behavioral intentions. Meanwhile, the variables of Expected Effort, Fear Of Financial Lost, and Perceived Online Identity Theft did not show significant effects. The findings provide strategic insights to increase the adoption of digital banking services in Indonesia.
Co-Authors Angela Novianti Gea Anthony Carl Soesanto Antonius Sony Eko Nugroho Atleiya Julianita Edie Kurniawan Erwin Sugiharto Harjanto Prabowo Ihsan Atmaji Rayi Dwipanilih Regina Eka Riantini Robertus Nugroho Perwiro Atmojo Septi Maulana Wibowo Kosasih