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All Journal Jurnal Pendidikan Indonesia (Japendi) Eduvest - Journal of Universal Studies
Haryanti, Rika Ayu
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Aerospace Engineering Computer Science & IT Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences

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Facial Recognition Resistance in Banking: Analyzing Risk Through Technology Readiness, Regulation and Trust Haryanti, Rika Ayu; Hanggraeni , Dewi
Eduvest - Journal of Universal Studies Vol. 5 No. 9 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i9.51264

Abstract

The rapid digitalization of Indonesia's banking sector has driven widespread adoption of biometric authentication, particularly facial recognition (FR) technology, to enhance security and user experience. However, user resistance remains a barrier, especially in light of concerns about privacy, regulatory trust, and technological readiness. This study investigates the influence of individual technology readiness, perceived risk, perceived trust, and regulation and compliance on resistance to FR technology in mobile banking. Using a quantitative survey method and Partial Least Squares Structural Equation Modeling (PLS-SEM), data were collected from 200 Indonesian mobile banking users familiar with FR technology. The findings reveal that digital literacy and personal innovativeness significantly enhance technology readiness, which, in turn, increases users’ sensitivity to perceived risk. Perceived risk was found to be the strongest predictor of resistance, while trust reduced perceived risk but did not directly reduce resistance. Regulatory compliance directly enhanced trust and reduced resistance but did not moderate the influence of risk or trust. Mediation analysis showed that perceived risk fully mediates the relationship between technology readiness and resistance. These findings highlight the paradox that tech-ready users may still resist FR due to heightened awareness of data security concerns. The study suggests that reducing perceived risk and reinforcing data transparency through effective regulatory frameworks are critical to fostering public trust and adoption of FR technologies in digital banking.
The Impact of Digital Transformation on Organizational Performance and Operational Risks in Banking Sector Haryanti, Rika Ayu; Anugrah, Bimo; Gustama, Abi; Farid Rahmadani, Dwi; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6776

Abstract

This study examines the impact of digital transformation (DT) on organizational performance and operational risks in the banking sector. Internal factors analyzed include communication, comprehension of DT, operational technology readiness, process complexity, risk monitoring, and operational risk training, while external factors encompass regulatory compliance, digital experience, budget constraints, and cyber resilience. Using fuzzy-set qualitative comparative analysis (fsQCA) on survey data from 100 Indonesian banking professionals, the findings highlight the critical role of risk monitoring and operational technology readiness among internal factors, and cyber resilience and budget allocation among external factors. The interplay of these elements, such as combining risk monitoring with cyber resilience, is key to optimizing performance and mitigating risks. This study provides actionable insights for practitioners, policymakers, and scholars, emphasizing the alignment of internal capabilities with external demands. It highlights the importance of streamlined processes, cybersecurity frameworks, and supportive regulations for sustainable DT. While limited by sample size and subjective data, the research identifies opportunities for future studies, including cross-sectoral analyses and the use of objective performance metrics.
Co-Authors Anugrah, Bimo Farid Rahmadani, Dwi Gustama, Abi Hanggraeni , Dewi Hanggraeni, Dewi