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
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. The...
| Main Authors: | , , , , , |
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| Format: | Article |
| Language: | English |
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Elsevier
2025
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| Subjects: | |
| Online Access: | http://umpir.ump.edu.my/id/eprint/43527/ http://umpir.ump.edu.my/id/eprint/43527/1/AI%20in%20banking%20sector.pdf |
| _version_ | 1848826898253086720 |
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| author | Ikhsan, Ridho Bramulya Fernando, Yudi Prabowo, Hartiwi Yuniarty, Y Gui, Anderes Kuncoro, Engkos Achmad |
| author_facet | Ikhsan, Ridho Bramulya Fernando, Yudi Prabowo, Hartiwi Yuniarty, Y Gui, Anderes Kuncoro, Engkos Achmad |
| author_sort | Ikhsan, Ridho Bramulya |
| building | UMP Institutional Repository |
| collection | Online Access |
| description | 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. |
| first_indexed | 2025-11-15T03:52:08Z |
| format | Article |
| id | ump-43527 |
| institution | Universiti Malaysia Pahang |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-15T03:52:08Z |
| publishDate | 2025 |
| publisher | Elsevier |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | ump-435272025-01-13T02:57:25Z http://umpir.ump.edu.my/id/eprint/43527/ 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 Ikhsan, Ridho Bramulya Fernando, Yudi Prabowo, Hartiwi Yuniarty, Y Gui, Anderes Kuncoro, Engkos Achmad HD28 Management. Industrial Management HF Commerce 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. Elsevier 2025-06-01 Article PeerReviewed pdf en cc_by_4 http://umpir.ump.edu.my/id/eprint/43527/1/AI%20in%20banking%20sector.pdf 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) https://doi.org/10.1016/j.digbus.2024.100103 https://doi.org/10.1016/j.digbus.2024.100103 |
| spellingShingle | HD28 Management. Industrial Management HF Commerce Ikhsan, Ridho Bramulya Fernando, Yudi Prabowo, Hartiwi Yuniarty, Y Gui, Anderes Kuncoro, Engkos Achmad 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 |
| title | 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 |
| title_full | 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 |
| title_fullStr | 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 |
| title_full_unstemmed | 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 |
| title_short | 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 |
| title_sort | 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 |
| topic | HD28 Management. Industrial Management HF Commerce |
| url | http://umpir.ump.edu.my/id/eprint/43527/ http://umpir.ump.edu.my/id/eprint/43527/ http://umpir.ump.edu.my/id/eprint/43527/ http://umpir.ump.edu.my/id/eprint/43527/1/AI%20in%20banking%20sector.pdf |