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Kurniawan, Sabda Aji
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Does integrating personal data via CDPs improve banking responsiveness? Moderating influence of local culture Tabelessy, Walter; Ralahallo, Fransiska Natalia; Chaniago, Anggraini; Kurniawan, Sabda Aji; T, Glen Andre Yusuf
Asian Management and Business Review Volume 6 Issue 1, 2026
Publisher : Master of Management, Department of Management, Faculty of Business and Economics Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AMBR.vol6.iss1.art14

Abstract

In the growing importance of personalized digital services in the banking sector, the integration of personal data through customer data platforms (CDPs) has become a strategic priority. This study explores how personal data privacy influences perceived personalization and operational efficiency in digital banking services, while also investigating the moderating role of local culture. The research is motivated by increasing consumer demands for both personalized services and greater control over personal data. Personal data privacy was conceptualized as a multidimensional construct comprising knowledge, experience, control, willingness to value privacy, and trust. A quantitative method using partial least squares structural equation modeling (PLS-SEM) with 10,000 bootstrapping resamples was employed. The analysis was conducted using SmartPLS version 4.1.1.4, which enables efficient estimation of complex models. Data were collected offline from 200 respondents who are active users of digital banking services from Himbara member banks. The results indicate that personal data privacy has a significant positive effect on both perceived personalization and operational efficiency. Among its dimensions, willingness to value privacy emerged as the most influential. Local culture was found to significantly moderate both relationships, suggesting that cultural context plays a critical role in shaping digital service outcomes. These findings contribute to theory and practice by highlighting the importance of integrating privacy protection and cultural sensitivity in the design of personalized digital banking services.
Co-Authors Chaniago, Anggraini Halim, Arif Nur Hanoeboen, Bin Raudha A. Hanoeboen, Bin Raudha Arif Juwanda, Juwanda Ningsih, Nadya Nurlailya Patty, Martha Racwel pradana, Sendy putra Rachman, Gazali Ralahallo, Fransiska Natalia Reken, Feky Rumalean, Iwan Sampulawa, Firsya Fadilah Supriyono, Areni Yulitawati T, Glen Andre Yusuf Tabelessy, Walter Triyana, Eka Yusuf T, Glen Andre