Factors Affecting the Implementation of Green Banking Technology: Evidence from Digital Banking in Indonesia

Faisal Fajri Rahman; Wiwi Kuswendang; Acep Komara; Arinal Muna

doi:10.29138/ijebd.v8i5.3348

Faisal Fajri Rahman Universitas Swadaya Gunung Jati
Wiwi Kuswendang Universitas Swadaya Gunung Jati
Acep Komara
Arinal Muna

DOI: https://doi.org/10.29138/ijebd.v8i5.3348

Keywords: Green Banking Technology, Technology Acceptance Model, Perceived Value, User Satisfaction, Trust, Sustainability

Abstract

Purpose: This study aims to investigate the factors that influence the adoption of digital banking, with the ultimate goal of increasing the acceptance of green banking technology.

Design/methodology/approach: This study employs a mixed-methods approach, involving a survey of 466 digital banking users analyzed using SmartPLS 4.0. This data is strengthened through in-depth interviews with 30 respondents regarding the intention to use digital banking.

Findings: The study's findings revealed that Perceived Ease of Use (PEOU) and Perceived Usefulness (PU) have a positive influence on the intention to use green banking technology, mediated by User Satisfaction (US). Then, Perceived Value (PV) has a positive influence on the Intention to Use Green Banking Technology, and the role of Trust has the most significant positive influence.

Research limitations/implications: This study has limited generalizability to its population sample due to the random data collection and lack of focus on specific user groups.

Practical implications: This study demonstrates that the adoption of digital banking significantly reduces carbon emissions contributing to global warming by minimizing paper use and waste.

Originality/value: This research can serve as a basis for developing more effective green banking policies, thereby encouraging sustainable economic growth in developing countries.

Paper type: Research paper