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Journal : West Science Business and Management

The Effect of Digital Banking Adoption, Trust in Fintech, Perceived Security, and Customer Satisfaction on Financial Inclusion in Indonesian Banking Ridwan, Mohammad; Puspitasari, Ria; Winarsih, Tri; Wangsih, Ingkak Chintya; Sudarmanto, Eko
West Science Business and Management Vol. 3 No. 01 (2025): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v3i01.1794

Abstract

This study investigates the impact of Digital Banking Adoption, Trust in Fintech, Perceived Security, and Customer Satisfaction on Financial Inclusion in Indonesian banking. Employing a quantitative approach, data were collected from 110 respondents using a Likert scale (1–5) and analyzed using Structural Equation Modeling - Partial Least Squares (SEM-PLS) 3. The findings reveal that all four variables significantly and positively influence financial inclusion, with Digital Banking Adoption exerting the strongest impact. The model explains 68% of the variance in Financial Inclusion, underscoring the importance of digital transformation, trust-building, robust security, and customer satisfaction in enhancing financial accessibility. These results provide valuable insights for policymakers and financial institutions to develop targeted strategies that foster financial inclusion in Indonesia.
Co-Authors ABDUL MAJID Achmad Farid Dedyansyah Adinda Berliana Eka Aprilia Agustinus Salukh Ainurohmah, Fitria Ananda Yuniar Anas, M. Andika Dafa Penta Pratama Anggraeni Sovi Maria Septiana Anissa Amaliya Ardiansyah Ahsanul Hayat Askhar, Bayu Malikul Azizah Nur Auliya Bayu Malikhul Askhar Cahyani, Fitnaningsih Endang Cahyaningrum, Indah Chandra, Muhamad Diana Septiya Sari Doris Rifqiyah Belgiz Ernawati Ernawati Fitriahadi, Enny Frischa Vera Yunida Hadad Alwi Hakim, Mesra Berlyn Hermanto Hadi Ida Fitriyah Imtinan Widhah Kumala Indah Fauziah Ingkak Chintya Wangsih Khatami, Ahmad Wildan Komarudin Komarudin Lusi Nur Widyawati M. Irvan Safarudin Ma'rufatur Rodiyah Malahati, Fildzah Maulidia, Rizqi Maulidza Nur Fauzi Meisya Dwi Lestari Mesra Surya Ariefin Mistri Ani Mochamad Muchson Mohammad Ridwan Mohammad Yasir Fauzi Muhammad David Mujib, Miftachul Muslim Muslim Nabila, Nabila Nabilah Hendri Sasikirana1 Nur Aini Maulidhia Nur Fadjrih Asyik Nurvita, Sandrina Rahma Panji Winoto Prasetyo, Ahmad Galih Presti Belinda Putra, Eko Arista Qosim Qosim Qosim qosim qosim, qosim Rachmad Bayu Kurniawan Rahma Jariatul Rahmasari, Hastuti Ria Puspitasari Ria Putri Septiani Rina Sulistyowati Risma Indra Febrianti Rita Nataliawati Rohmadani, Zahro Varisna Ronalmanto Ronalmanto Rr. Forijati -, Rr. Forijati Safitri, Erdila Yuni Saldah, Sri Alifah Salma Rosyidatul Islamiah Saras Dewi Qomariah Setya Ariani Silfa Syabilatul Nabila Sili, Surya Sindi Mei Setyawati Siti Musarofah Subagyo Subagyo Sudarmanto, Eko Sugiono Sugiono Suhari Sulistyowati, Rina Tarisa Zanja Bella Temon Bagus Hidayahtullah Titik Setya Nigrum Trianto, Septiawan Puji Triwahyuni, Emy Ulfa Khoiriyah Umar Yeni Suyanto Vany Rahmawati Wahidahwati Wahyu Tri Prambudi Winda Safitri Yahya Shidiq Yanuangga Galahartlambang Yaumi, Sri Yuliana Dewi Safitri