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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.
PENGARUH KEPUASAN DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN DENGAN MEDIASI LINGKUNGAN KERJA Armanda, Ilham Nawang; Pujiati, Herni
KOMPLEKSITAS: JURNAL ILMIAH MANAJEMEN, ORGANISASI DAN BISNIS Vol 14, No 2 (2025): KOMPLEKSITAS EDISI DESEMBER 2025
Publisher : ITB Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/kompleksitas.vol14no2.1050

Abstract

The purpose of this study is to analyze the influence of employee satisfaction and work motivation on employee performance with the work environment as a mediating variable. The study uses a quantitative method with a descriptive and causal approach to analyze the relationship between variables. The descriptive approach provides an overview of the variables’ characteristics. In contrast, the causal approach aims to determine the extent of influence among job satisfaction, work motivation, and the work environment on employee performance variables. Data were collected through a Likert-scale questionnaire, supported by interviews and secondary documentation. For data analysis, multiple linear regression techniques were used. In addition, validity and reliability tests were conducted to ensure the accuracy of the research instrument, and classical assumption tests were conducted to ensure that the regression model used met the requirements. The results of the study found that motivation has a significant effect on the work environment, job satisfaction has a significant effect on the work environment, the work environment has a significant effect on employee performance, motivation has a direct effect on employee performance, job satisfaction has an effect on employee performance, motivation has an effect on employee performance with the mediation of the work environment,. Job satisfaction affects employee performance through the work environment. The results of this study encourage companies to be more adaptive in managing human resources. Companies cannot just focus on one factor. A combination of high motivation, optimal job satisfaction, and a supportive work environment will produce more productive and loyal employees.Tujuan penelitian adalah untuk menganalisis pengaruh kepuasan dan motivasi kerja karyawan terhadap kinerja karyawan dengan lingkungan kerja sebagai variabel mediasinya. Penelitian menggunakan metode kuantitatif dengan pendekatan deskriptif dan kausalitas untuk menganalisis hubungan antar variabel. Pendekatan deskriptif digunakan untuk memberikan gambaran mengenai karakteristik variabel yang diteliti, sedangkan pendekatan kausalitas bertujuan untuk mengetahui sejauh mana pengaruh antara variabel kepuasan kerja, motivasi kerja dan lingkungan kerja terhadap variabel kinerja karyawan. Data dikumpulkan melalui kuesioner dengan skala Likert serta didukung oleh wawancara dan dokumentasi sebagai data sekunder. Untuk analisis data digunakan teknik regresi linier berganda. Selain itu, dilakukan uji validitas dan reliabilitas untuk memastikan keakuratan instrumen penelitian serta uji asumsi klasik agar model regresi yang digunakan memenuhi syarat. Hasil penelitian mendapatkan bahwa Motivasi berpengaruh signifikan terhadap lingkungan kerja, Kepuasan kerja berpengaruh signifikan terhadap lingkungan kerja, Lingkungan kerja berpengaruh signifikan terhadap kinerja karyawan, Motivasi berpengaruh langsung terhadap kinerja karyawan, Kepuasan kerja berpengaruh terhadap kinerja karyawan, Motivasi berpengaruh terhadap kinerja karyawan dengan mediasi lingkungan kerja, Kepuasan kerja berpengaruh terhadap kinerja karyawan dengan  mediasi lingkungan kerja. Hasil penelitian ini mendorong perusahaan untuk lebih adaptif dalam mengelola sumber daya manusia. Perusahaan tidak dapat hanya fokus pada satu faktor saja, Kombinasi antara motivasi yang tinggi, kepuasan kerja yang optimal, dan lingkungan kerja yang mendukung akan menghasilkan karyawan yang lebih produktif dan loyal.