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Consumer Adaptation Process on Digital Banking: Evidence from Indonesia

In: Proceedings of the 9th Global Conference on Business, Management and Entrepreneurship (GCBME 2024)

Author

Listed:
  • Alma Bella Hermayanti

    (Universitas Pendidikan Indonesia)

  • Ratih Hurriyanti

    (Universitas Pendidikan Indonesia)

  • Heny Hendrayati

    (Universitas Pendidikan Indonesia)

Abstract

The emergence of Indonesia into the 5.0 era requires businesses and public services to understand digital consumer behavior. This study aims to explore and analyze the factors influencing the utilization of Indonesian digital banks, particularly the role of perceived value. Additionally, it investigated how environmental tasks serve as a mediating factor in the adoption process of digital banking services. The sample for this study consisted of banking customers who made transactions through digital banking and were aged between 18 and 50 years. A representative sample was determined by multiplying the number of indicators by five to ten times, according to [25], resulting in a sample size of 140 respondents. Partial Least Squares (PLS) with path analysis was used to analyze the data collected from the sample, which was selected using probability and specific sampling techniques. The findings of the study indicated that the consumer adaptation process was significantly influenced by perceived value, and that there was a notable relationship between these values.

Suggested Citation

  • Alma Bella Hermayanti & Ratih Hurriyanti & Heny Hendrayati, 2025. "Consumer Adaptation Process on Digital Banking: Evidence from Indonesia," Advances in Economics, Business and Management Research, in: Ratih Hurriyati & Sulastri Sulastri & Lisnawati Lisnawati & Lili Adi Wibowo (ed.), Proceedings of the 9th Global Conference on Business, Management and Entrepreneurship (GCBME 2024), pages 125-131, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-817-2_15
    DOI: 10.2991/978-94-6463-817-2_15
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