Determinan Penggunaan Layanan Perbankan Digital: Systematic Literature Review

Authors

  • Lyandra Aisyah Margie Universitas Pamulang
  • Rida Prihatni Universitas Negeri Jakarta
  • Etty Gurendrawati Universitas Negeri Jakarta

DOI:

https://doi.org/10.32493/Inovasi.v11i2.p604-614.45249

Keywords:

Layanan Perbankan Digital; Technology Acceptance Model; Systematic Literature Review

Abstract

Saat ini, perbankan, yang merupakan salah satu bagian terpenting dari ekonomi suatu negara, menghadapi tantangan untuk memenuhi tuntutan kliennya akan layanan yang luar biasa, serta persaingan yang mengikutinya. Kemajuan teknologi juga menciptakan peluang untuk meningkatkan kualitas layanan perbankan, salah satunya adalah perbankan digital. Tujuan dari penelitian ini adalah untuk mengkaji berbagai literatur terkait faktor-faktor yang mempengaruhi penggunaan layanan perbankan digital. Metode systematic literature review (SLR) digunakan dalam penelitian ini. Artikel yang relevan dengan penelitian yang sesuai dengan topik didokumentasikan guna mendukung pengumpulan data. Dua belas artikel jurnal yang digunakan dalam penelitian ini diperoleh dari database Google Scholar menggunakan aplikasi Publish or Perish. Sesuai dengan kajian literatur yang dilakukan, faktor utama yang mempengaruhi adopsi layanan perbankan digital meliputi kemudahan penggunaan (perceived ease of use), kegunaan yang dirasakan (perceived usefulness), kepercayaan (perceived trust), risiko yang dipersepsikan (perceived risk), sikap (attitude), pengaruh sosial, dan biaya transaksi. Selain itu, dukungan pelanggan dan motivasi hedonis juga berperan penting dalam meningkatkan keinginan untuk penggunaan layanan perbankan digital.

References

Alifah, H. N., Virgianti, U., Sarin, M. I. Z., Hasan, D. A., Fakhriyah, F., & Ismaya, E. A. (2023). Systematic literature review: Pengaruh media pembelajaran digital pada pembelajaran tematik terhadap hasil belajar siswa SD. Jurnal Ilmiah Dan Karya Mahasiswa, 1(3), 103-115.

Cahyaning, E. K., & Puspawati, R. A. (2024). Systematic Literature Review (SLR): Efektivitas Penggunaan QRIS sebagai Alat Transaksi. Ratio: Reviu Akuntansi Kontemporer Indonesia, 5(2).

Cuesta, C., Ruesta, M., Tuesta, D., & Urbiola, P. (2015). The digital transformation of the banking industry. BBVA research, 1(4), 1-10.

Dasho, A., Meka, E., Sharko, G., & Baholli, I. (2016). Digital banking the wave of the future. Proceedings of ISTI, 1, 1-6.

DeLone, W. H., & McLean, E. R. (2003). The DeLone and McLean model of information systems success: a ten-year update. Journal of management information systems, 19(4), 9-30.

Harahap, D., Afandi, A., & Siregar, T. M. (2023). The Islamic Banking Customers’intention To Use Digital Banking Services: An Indonesian Study. Journal of Islamic Monetary Economics and Finance, 9(3), 533-558.

Hossain, M. A. (2023). Factors Affecting the Intention to Use Digital Banking: An Empirical Study from an Emerging Economy. Finance & Economics Review, 5(2), 51-62.

Megargel, A., Shankararaman, V., & FAN, T. P. (2018). SOA maturity influence on digital banking transformation. IDRBT Journal of Banking Technology, 2(2), 1.

Mohamad, L., Osman, Z., Mohamad, R. K., Ismail, Z., & Din, M. I. M. (2023). The Perceived Attitude of Bank Customers towards the Intention to Use Digital Banking in Malaysia. International Journal of Academic Research in Business and Social Sciences, 13(1), 1308-1323.

Mohan, M. M., Kumar, T. H., & Rao, P. N. (2021). Factors Influencing Customers To Use Digital Banking Services In Twin Cities Of Telangana State. NVEO-NATURAL VOLATILES & ESSENTIAL OILS Journal| NVEO, 10560-10573.

Mufarih, M., Jayadi, R., & Sugandi, Y. (2020). Factors influencing customers to use digital banking application in Yogyakarta, Indonesia. The Journal of Asian Finance, Economics and Business, 7(10), 897-907.

Muliza, M. (2024). Determinan Penggunanan Digital Banking Pada Generasi Y Dan Generasi Z Muslim Di Kota Banda Aceh. Eqien-Jurnal Ekonomi dan Bisnis, 13(02), 252-260.

Murugeswari, M., Kamalakannan, K., & Balasubramanian, M. (2018). A study on service quality towards digital banking. Age, 20(7), 12.

Nguyen, O. T. (2020). Factors affecting the intention to use digital banking in Vietnam. The Journal of Asian Finance, Economics and Business, 7(3), 303-310.

Nurahmasari, M., Silfiyah, S. N., & Pangaribuan, C. H. (2023). The Intention to Use Digital Banking Services among Gen Z in Indonesia Based on Technology Acceptance Model (TAM). Jurnal Manajemen Dan Bisnis Madani, 5(1), 15-31.

OJK. (2021). Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 12/POJK.03/2021 Tentang Bank Umum. https://www.ojk.go.id, 1–113.

Reihandho, M. I., & Fajarwati, D. (2023). Faktor-Faktor yang Mempengaruhi Niat Penggunaan Perbankan Digital di Indonesia: indonesia. ADI Bisnis Digital Interdisiplin Jurnal, 4(2), 70-80.

Riza, A. F., & Hafizi, M. R. (2019). Customers attitude toward Islamic mobile banking in Indonesia: Implementation of TAM. Asian Journal of Islamic Management (AJIM), 75-84.

Shaikh, A. A., & Karjaluoto, H. (2016). On some misconceptions concerning digital banking and alternative delivery channels. International Journal of E-Business Research (IJEBR), 12(3), 1-16.

TRAN, N. A. (2021). Intention to use digital banking services of young retail customers in Vietnam. The Journal of Asian Finance, Economics and Business, 8(8), 387-397.

Tugade, C., REYES, J., & NARTEA, M. (2021). Components affecting intention to use digital banking among generation Y and Z: an empirical study from the Philippines. The Journal of Asian Finance, Economics and Business, 8(12), 509-518.

Wulandari, N., De Jager, J. W., & Mahry, S. E. (2024). The Driving Factors of Digital Banking Intention and the Role of Customer Experience in Indonesia Banking Industry. Jurnal Administrasi Bisnis, 13(1), 10-18.

Downloads

Published

2024-12-01

How to Cite

Margie, L. A., Prihatni, R., & Gurendrawati, E. (2024). Determinan Penggunaan Layanan Perbankan Digital: Systematic Literature Review. INOVASI, 11(2), 604–614. https://doi.org/10.32493/Inovasi.v11i2.p604-614.45249

Issue

Vol. 11 No. 2 (2024): Inovasi: Jurnal Ilmiah Ilmu Manajemen

Section

Articles

License

Authors who publish with this journal agree to the following terms:

    1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.

    1. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.

  1. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).

INOVASI: journal of managenet have CC-BY-SA or an equivalent license as the optimal license for the publication, distribution, use, and reuse of scholarly work.

In developing strategy and setting priorities,  INOVASI: JOURNAL OF MANAGEMENT recognize that free access is better than priced access, libre access is better than free access, and libre under CC-BY-SA or the equivalent is better than libre under more restrictive open licenses. We should achieve what we can when we can. We should not delay achieving free in order to achieve libre, and we should not stop with free when we can achieve libre.