West Science Business and Management
Vol. 3 No. 01 (2025): 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 (Unknown)
Puspitasari, Ria (Unknown)
Winarsih, Tri (Unknown)
Wangsih, Ingkak Chintya (Unknown)
Sudarmanto, Eko (Unknown)

Article Info

Publish Date
28 Mar 2025

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.

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Journal Info
West Science Business and Management
Website

Abbrev

wsbm

Publisher

Westscience Press

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

The Editors invite writers and experts to publish and share their ideas through scientific and empirical research in the field of Management and Business. The main objective of this publication is to improve theory, concept, and practice in the field of management and business. Dissemination of ...