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

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Consumer Adaptation Process on Digital Banking: Evidence from Indonesia

Authors
Alma Bella Hermayanti1, *, Ratih Hurriyanti1, Heny Hendrayati1
1Universitas Pendidikan Indonesia, Bandung, Indonesia
*Corresponding author. Email: almabellahermayanti@upi.edu
Corresponding Author
Alma Bella Hermayanti
Available Online 12 September 2025.
DOI
10.2991/978-94-6463-817-2_15How to use a DOI?
Keywords
Perceived Value; Task Environmental; Consumer Adaptation Process; Digital Banking
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.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 9th Global Conference on Business, Management and Entrepreneurship (GCBME 2024)
Series
Advances in Economics, Business and Management Research
Publication Date
12 September 2025
ISBN
978-94-6463-817-2
ISSN
2352-5428
DOI
10.2991/978-94-6463-817-2_15How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Alma Bella Hermayanti
AU  - Ratih Hurriyanti
AU  - Heny Hendrayati
PY  - 2025
DA  - 2025/09/12
TI  - Consumer Adaptation Process on Digital Banking: Evidence from Indonesia
BT  - Proceedings of the 9th Global Conference on Business, Management and Entrepreneurship (GCBME 2024)
PB  - Atlantis Press
SP  - 125
EP  - 131
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-817-2_15
DO  - 10.2991/978-94-6463-817-2_15
ID  - Hermayanti2025
ER  -