JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS
Vol. 14 No. 1 (2026): Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis - June 2026

Evaluating User Satisfaction in AI-Powered Digital Banking: An Expectation Confirmation Model Approach

Dewi Junita (Politeknik Negeri Batam)
Nadia Fathurrahmi Lawita (Politeknik Negeri Batam)
Izzatul Jannah (Politeknik Negeri Batam)
Susi Lestari (Politeknik Negeri Batam)
Arif Darmawan (Politeknik Negeri Batam)
Danar Irianto (Politeknik Negeri Batam)



Article Info

Publish Date
30 Jun 2026

Abstract

This study assesses user satisfaction with AI-Banking services by integrating artificial intelligence features into an expectation confirmation model. Using a quantitative approach, data was obtained from 124 bank customer respondents in Indonesia using a questionnaire, then analyzed using PLS-SEM approach. The analysis results indicate that expectation confirmation has a significant influence on performance perceptions. Furthermore, the variables of trendiness, visual attractiveness, problem-solving ability, and customization positively influence user satisfaction. These findings suggest that banking service providers should prioritize these aspects. Improvements in these factors have the potential to strengthen userr satisfaction in AI-based digital banking services.

Copyrights © 2026






Journal Info

Abbrev

JAEMB

Publisher

Subject

Economics, Econometrics & Finance

Description

Terbit dua kali setahun pada bulan Juli dan Desember: mulai Volume 6, Nomor 1, Juli 2018. Berisi tulisan yang diangkat dari hasil penelitian di bidang Akuntansi, Ekonomi, dan Manajemen ...