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INDONESIA
Journal of Business and Management Inaba
Published by Universitas Indonesia Membangun
ISSN : 28296559     EISSN : 28295331     DOI : https://doi.org/10.56956/jbmi.v2i02
Core Subject : Economy, Science, Social,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
This journal encompasses original research articles, review articles, and short communications, including: Financial Management, Marketing Management, Human Resource Management, Organizational Behavior, Strategic Management, Operations Management, Change Management, Management of Sharia, Entrepreneurship, E-Business, Knowledge Management
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 81 Documents
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Analysis of Factors Influencing Generation X's Interest In Using Digital Banks (A Case Study on Seabank Digital Bank) Muhammad Ricky Syahputra Hendri
Journal of Business and Management Inaba Vol. 5 No. 2 (2026): Volume 5 Number 2, August 2026
Publisher : Universitas Indonesia Membangun (Inaba)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56956/pgs0bg91

Abstract

The swift evolution of information technology has accelerated the banking industry's transition into the Fourth Industrial Revolution, necessitating extensive digital adaptations and the rise of digital banking platforms. While most marketing research on digital banking predominantly focuses on younger demographics (Millennials and Generation Z), this research fills a critical empirical gap by targeting Generation X (ages 45–60) in Jakarta. This segment possesses stable purchasing power but exhibits a cautious tendency in adopting new technology. Utilizing SeaBank as the primary case study, this research employs a retrospective approach to evaluate the initial determinants that drove the existing Generation X users to adopt the platform. Employing a quantitative methodology with purposive sampling, data was gathered from 100 existing SeaBank consumers belonging to Generation X. The analysis, executed via Structural Equation Modeling-Partial Least Squares (SEM-PLS), reveals that Security and Ease of Use exert a positive and significant impact on both Trust and Consumer Interest. Conversely, Promotion has a positive but non-significant effect. Furthermore, Trust acts as a partial mediator between Security and Interest, as well as between Ease of Use and Interest, but fails to mediate the relationship between Promotion and Interest. These findings provide practical insights for digital banks to prioritize cybersecurity infrastructure and intuitive application interfaces rather than short-term marketing incentives to successfully trigger trust and interest among Generation X.

Page 9 of 9 | Total Record : 81

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