Ikhsan, Ridho Bramulya and Fernando, Yudi and Prabowo, Hartiwi and Yuniarty, Y and Gui, Anderes and Kuncoro, Engkos Achmad (2025) An empirical study on the use of artificial intelligence in the banking sector of Indonesia by extending the TAM model and the moderating effect of perceived trust. Digital Business, 5 (1). pp. 1-19. ISSN 2666-9544. (Published)
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Abstract
Artificial intelligence technology is increasingly becoming integral in business, and banks need to implement this technology on a large scale for competitiveness. However, studies on artificial intelligence in the banking sector are limited, and customers are concerned about its implementation. Therefore, this study aims to measure the intention to continue adopting artificial intelligence in Indonesia’s banking sector. This study proposed nineteen hypotheses and used a technology acceptance model framework with the awareness of artificial intelligence, subjective norms, perceived risk, and perceived trust as extensions. The researchers surveyed 388 bank customers who have interacted with artificial intelligence. The survey results extended the technology acceptance model framework by accepting all the hypotheses. This study contributes to the banking industry of developing countries by generating artificial intelligence technology with a high level of security.
| Item Type: | Article |
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| Additional Information: | Indexed by Scopus |
| Uncontrolled Keywords: | Artificial intelligence; Awareness; Perceived risk and trust; Subjective norm; Technology acceptance model |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management H Social Sciences > HF Commerce |
| Faculty/Division: | Faculty of Industrial Management |
| Depositing User: | Professor Yudi Fernando |
| Date Deposited: | 13 Jan 2025 02:57 |
| Last Modified: | 13 Jan 2025 02:57 |
| URI: | http://umpir.ump.edu.my/id/eprint/43527 |
| Download Statistic: | View Download Statistics |
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