Work

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

Year: 2024

Type: article

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.

Source: Digital Business

DOI: 10.1016/j.digbus.2024.100103

Authors: Ridho Bramulya Ikhsan, Yudi Fernando, Hartiwi Prabowo, Yuniarty, Anderes Gui, Engkos Achmad Kuncoro

Institutions: Binus University, Universiti Malaysia Pahang Al-Sultan Abdullah

Language: English

Topic: Technology Adoption and User Behaviour

Subfield: Information Systems and Management

Field: Decision Sciences

Domain: Social Sciences

SDG: Industry, innovation and infrastructure

Open Access status: gold

Estimated APC paid: $1,500