Model of Decision Making Behavior in Using Digital Banking Services: An Approach to Developing a Conceptual Framework that
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Abstract
This research aims to understand the decision-making behavior of a bank's customers in using digital banking services through the Decision-Making Behavior Model approach. By utilizing data collection methods through literature studies, as well as data processing methods through editing, classification, verification and conclusions, the analysis results show that technological advances have had a significant impact on consumer behavior in choosing banking services. The use of digital banking services has changed the way consumers interact with financial services, with an increasing preference for services that are convenient and easy to use. Implementing the Decision-Making Behavior Model allows banks to better understand customers' decision-making processes and identify specific actions to improve the user experience of digital banking services.
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How to Cite
Liau, J., Liberty, E., Faustine, C., & Panggabean, P. B. (2024). Model of Decision Making Behavior in Using Digital Banking Services: An Approach to Developing a Conceptual Framework that . ProBisnis : Jurnal Manajemen, 15(2), 8–11. Retrieved from http://ejournal.joninstitute.org/index.php/ProBisnis/article/view/469
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Hendro, O., Asiati, ID, & Sari, PD (nd). The Influence of Promotions on Decisions to Use Digital Services is Mediated by Consumer Knowledge and Consumer Trust at Bank Sumsel Babel Prabumulih Branch. ISLAMIC BANKING, 5 (2). https://ejournal.stebisigm.ac.id/index.php/isbank/article/view/117
Ihalauw, IOJJ, & Prasetyo, R. (2005). Consumer behavior.
Kardiono, PSB (2016). Analysis of Internet Banking Service User Behavior Using the Technology Acceptance Model and Perceived Enjoyment Approach in Surabaya. Petra Business & Management Review Journal, 2 (2). http://publication.petra.ac.id/index.php/breview/article/view/9197
Ministry of Finance of the Republic of Indonesia Directorate General of Treasury Directorate of PKN. (2022). ODADING Digital Finance Series Part III: Digital Banking. https://djpb.kemenkeu.go.id/direktorat/pkn/id/odading/2919-digital-banking.html
Lolowang, FT, Dumais, KNJ, & Tangkere, AH (2020). Analysis of Consumer Satisfaction Levels with Dabu - Dabu Lemong Boulevard Karangria Services. Agrisocioeconomics. https://ejournal.unsrat.ac.id/v3/index.php/jisep/article/view/28732
Manzilati, A., & Donabella, C. B. (2022). ANALYSIS OF CONSUMER BEHAVIOR REGARDING THE USE OF DIGITAL BANK PLATFORMS. CONTEMPORARY STUDIES IN ECONOMIC, FINANCE AND BANKING, 1 (2). https://csefb.ub.ac.id/index.php/csefb/article/view/28
Miniar, BF, James, & Engel. (1996). Consumer behavior (4th ed.). Developing Literacy. https://communication.uii.ac.id/old/images/stories/2014/perilaku%20konsumen%202014%20%5Bcompatibility%20mode%5D.pdf
Paramita, S., & Putribasutami, AC (2018). The Influence of Service, Location, Knowledge and Social Affairs on Saving Decisions in Ponorogo. Journal of Management Science, 6 (3). https://ejournal.unesa.ac.id/index.php/jim/article/view/23876
Rizaty, AM (2021). Indonesian People Mostly Use the Internet to Communicate. MediaNetwork. https://databoks.katadata.co.id/datapublish/2021/07/29/community-ri-paling- Banyak-using-internet-untuk-berkomunikasi#:~:text=More%20of%2085%25%20users %20internet, WhatsApp%2C%20Facebook%2C%20and%20Instagram.
Rofiani, N. (2009). Customer Behavior in Choosing Pawnshop Financing Products at Pt. Bank Syari'ah Mandiri Tbk. Al-Iqtishad, 1 (2). https://media.neliti.com/media/publications/194946-ID-perilaku-nasabah-dalam-meoleh-produk-pe.pdf
Sudiantini, D., Naiwasha, A., Izzati, A., Ayunia, A., Putri, B., & Rindiani, C. (2023). Use of Technology in Human Resource Management in the Current Digital Era. Digital Business: Journal of Management Science and E-Commerce Publications, 2 (2). https://jurnaluniv45sby.ac.id/index.php/Digital/article/download/1082/931
Supriyono. (2022). Strategic Management and Business Wisdom. BPFEUGM. https://inlislite.uin-suska.ac.id/opac/detail-opac?id=10360
Sutton, J., & Austin, Z. (2015). Qualitative research: Data collection, analysis, and management. Canadian Journal of Hospital Pharmacy, 68(3). https://doi.org/10.4212/cjhp.v68i3.1456