Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal Journal of Business, Finance, and Banking
Dhika Mahendra, Alloysius Pamurda
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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What Drives Customer Intention in Digital Banking? Evidence from Trust, Security Risk, and Technological Innovation Cahaya, Yohanes Ferry; Dhika Mahendra, Alloysius Pamurda; Pujiati, Herni; Armanda, Ilham Nawang
Journal of Business, Finance, and Banking Vol. 2 No. 1 (2026): Journal of Business, Finance, and Banking (JBFB)
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/jbfb.v2i1.1160

Abstract

This study examines the determinants of digital banking adoption intention among Book IV bank customers in Indonesia, focusing on the interplay between trust, security risks, and technological innovation. Using Smart PLS-SEM with data from 385 respondents, we investigate how technological innovation influences customer trust and perceived security risks, which subsequently affect digital banking usage intention. Results reveal that technological innovation significantly enhances trust while reducing security risk perceptions. Trust emerges as the strongest predictor of digital banking intention, while security risks negatively impact adoption. The study contributes theoretical insights into technology acceptance in emerging markets and provides practical implications for banks developing digital transformation strategies in competitive environments.
Co-Authors Armanda, Ilham Nawang Pujiati, Herni Yohanes Ferry Cahaya