How to cite this paper
Oppusunggu, L., Suwarno, S., Lisdiono, P & Djanegara, M. (2024). Quantitative analysis of the impact of electronic banking on the financial performance of rural banks in Indonesia.International Journal of Data and Network Science, 8(2), 1179-1186.
Refrences
Almaiah, M. A., Al-Rahmi, A. M., Alturise, F., Alrawad, M., Alkhalaf, S., Lutfi, A., ... & Awad, A. B. (2022). Factors influencing the adoption of internet banking: An integration of ISSM and UTAUT with price value and perceived risk. Frontiers in Psychology, 13, 919198.
Alnsour, I. (2023). The effect of financial technology on Islamic banks performance in Jordan: Panel data analysis. International Journal of Data and Network Science, 7(4), 1515-1524.
Aysan, A. F., Belatik, A., Unal, I. M., & Ettaai, R. (2022). Electronic transactions strategies of Islamic Banks: A global empirical analysis. Electronic transactions, 1(2), 206-215.
Ayswarya, R., Sarala, D., Muralidharan, P., & Ilankadhir, M. (2019). Service quality of mobile banking services in ICICI Bank Limited. Journal of Service Science and Management, 12(05), 649.
Bakry, M., Masse, R. A., Arake, L., Amiruddin, M. M., & Syatar, A. (2021). How to attract millennials? Indonesian sharia banking opportunities. WSEAS Transactions on Business and Economics, 18, 376-385.
Barbu, C. M., Florea, D. L., Dabija, D. C., & Barbu, M. C. R. (2021). Customer experience in electronic transactions. Journal of Theoretical and Applied Electronic Commerce Research, 16(5), 1415-1433.
Bojjagani, S., Sastry, V. N., Chen, C. M., Kumari, S., & Khan, M. K. (2023). Systematic survey of mobile payments, protocols, and security infrastructure. Journal of Ambient Intelligence and Humanized Computing, 14(1), 609-654.
Carbó-Valverde, S., Cuadros-Solas, P. J., & Rodríguez-Fernández, F. (2021). Electronic transactions and banking: an evolving relationship. Disruptive Technology in Banking and Finance: An International Perspective on Electronic transactions, 161-194.
Dai, R. M. (2020). Electronic transactions as a Catalyst for Growth of Micro, Small and Medium Enterprises in Indonesia. Academy of Strategic Management Journal, 19(5), 1-12.
Davis, F. D. (1989). Technology acceptance model: TAM. Al-Suqri, MN, Al-Aufi, AS: Information Seeking Behavior and Technology Adoption, 205-219.
Dwivedi, P., Alabdooli, J. I., & Dwivedi, R. (2021). Role of electronic transactions adoption for competitiveness and performance of the bank: a study of banking industry in UAE. International Journal of Global Business and Competitiveness, 16(2), 130-138.
Hoang, D. P. (2019). The central role of customer dialogue and trust in gaining bank loyalty: an extended SWICS model. International Journal of Bank Marketing, 37(3), 711-729.
Iglesias, O., Markovic, S., Bagherzadeh, M., & Singh, J. J. (2020). Co-creation: A key link between corporate social responsibility, customer trust, and customer loyalty. Journal of business ethics, 163, 151-166.
Islam, T., Islam, R., Pitafi, A. H., Xiaobei, L., Rehmani, M., Irfan, M., & Mubarak, M. S. (2021). The impact of corporate social responsibility on customer loyalty: The mediating role of corporate reputation, customer satisfaction, and trust. Sustainable Production and Consumption, 25, 123-135.
Johansson, E., Sutinen, K., Lassila, J., Lang, V., Martikainen, M., & Lehner, O. M. (2019). Regtech-a necessary tool to keep up with compliance and regulatory changes. ACRN Journal of Finance and Risk Perspectives, Special Issue Digital Accounting, 8, 71-85.
Kartika, T., Firdaus, A., & Najib, M. (2020). Contrasting the drivers of customer loyalty; financing and depositor customer, single and dual customer, in Indonesian Islamic bank. Journal of Islamic Marketing, 11(4), 933-959.
Khan, R. U., Salamzadeh, Y., Iqbal, Q., & Yang, S. (2022). The impact of customer relationship management and company reputation on customer loyalty: The mediating role of customer satisfaction. Journal of Relationship Marketing, 21(1), 1-26.
Khatri, A., Gupta, N., & Parashar, A. (2020). Application of technology acceptance model (TAM) in electronic transactions services. International Journal of Management (IJM), 11(12), 3520-3548.
Lee, C. C., Li, X., Yu, C. H., & Zhao, J. (2021). Does electronic transactions innovation improve bank efficiency? Evidence from China’s banking industry. International Review of Economics & Finance, 74, 468-483.
Lestari, D., & Rahmanto, B. T. (2023). Electronic transactions and its challenge for banking sector. The Management Journal of BINANIAGA, 6(01), 55-70.
Majumdar, S., & Pujari, V. (2022). Exploring usage of mobile banking apps in the UAE: a categorical regression analysis. Journal of Financial Services Marketing, 27(3), 177-189.
Mujahidin, Y., Muhammad, A., Rian, S., Tri, I.N., Sampe, & Ferdianndus. (2022). The Effect of Relationship Marketing and Relationship Quality on Customer Loyalty (Bank Muamalat Indonesia). Technium Society Science Journal, 38, 312.
Mulia, D., Usman, H., & Parwanto, N. B. (2021). The role of customer intimacy in increasing Islamic bank customer loyalty in using e-banking and m-banking. Journal of Islamic Marketing, 12(6), 1097-1123.
Musabegovic, I., Özer, M., Djukovic, S., & Jovanovic, S. (2019). Influence of electronic transactions on financial industry. Економика пољопривреде, 66(4), 1003-1021.
Musyaffi, A. M., Mulyani, S., Suraida, I., & Sukmadilaga, C. (2021). Lack of readiness of digital banking channel acceptance: Study on TAM 3 and technology readiness. Academy of Strategic Management Journal, 20, 1-18.
Nwakoby, N. P., Okoye, J. N., Ezejiofor, R. A., Anukwu, C. C., & Ihediwa, A. (2020). Electronic banking and profitability: Empirical evidence from selected banks in Nigeria. Journal of Economics and Business, 3(2).
Popescu, A. D. (2020). Electronic transactions as a driver for financial digital assets. Ovidius University Annals, Economic Sciences Series, 20(2), 1055-1059.
Putri, G. A., Widagdo, A. K., & Setiawan, D. (2023). Analysis of financial technology acceptance of peer to peer lending (P2P lending) using extended technology acceptance model (TAM). Journal of Open Innovation: Technology, Market, and Complexity, 9(1), 100027.
Rachmawati, I. K., Bukhori, M., Majidah, Y., & Hidayatullah, S. (2020). Analysis of use of mobile banking with acceptance and use of technology (UTAUT). International Journal of Scientific and Technology Research, 9(8), 534-540.
Rahmawati, R. N. (2019). Self-efficacy and use of e-learning: A theoretical review technology acceptance model (TAM). American Journal of Humanities and Social Sciences Research, 3(5), 41-55.
Rahmiati, F., & Jelitalia, A. (2021). Extending the Role of Technology Acceptance Model (TAM) with Perceived Risk and E-Customer Service. Journal of Technology Management and Technopreneurship (JTMT), 9(1), 1-12.
Rauniyar, K., Rauniyar, K., & Sah, D. K. (2021). Role of electronic transactions and innovations for improvising digital financial inclusion. Int. J. Innov. Sci. Res. Technol, 6(5), 1419-24.
Satria, A. D., Anita, A., Krismadayanti, K., & Noviarita, H. (2021). Development of Sharia Finance Digitalization Towards Inclusive Finance Within a Sharia Maqashid Framework (Case Study on PT Bank Syariah Indonesia’s BSI Mobile Banking Product). Journal of Islamic Business and Economic Review, 4(2), 84-96.
Shaikh, I. M., Qureshi, M. A., Noordin, K., Shaikh, J. M., Khan, A., & Shahbaz, M. S. (2020). Acceptance of Islamic electronic transactions banking services by Malaysian users: an extension of technology acceptance model. foresight, 22(3), 367-383.
Supriyanto, A., Wiyono, B. B., & Burhanuddin, B. (2021). Effects of service quality and customer satisfaction on loyalty of bank customers. Cogent Business & Management, 8(1), 1937847.
Tsai, C. H., & Su, P. C. (2021). The application of multi-server authentication scheme in internet banking transaction environments. Information systems and e-business management, 19(1), 77-105.
Tun-Pin, C., Keng-Soon, W. C., Yen-San, Y., Pui-Yee, C., Hong-Leong, J. T., & Shwu-Shing, N. (2019). An adoption of e-banking service in Malaysia. South East Asia Journal of Contemporary Business, 18(5), 134-147.
Varma, P., Nijjer, S., Sood, K., Grima, S., & Rupeika-Apoga, R. (2022). Thematic Analysis of electronic transactions Influence on the Banking Industry. Risks, 10(10), 186.
Warsono, H., Yuwono, T., & Putranti, I. (2023). Analyzing technology acceptance model for collaborative governance in public administration: Empirical evidence of digital governance and perceived ease of use. International Journal of Data and Network Science, 7(1), 41-48.
Wendi, W., Pratamawati, S., & Zukhri, N. (2023). Msme Profits Boost: The Impact of Revitalization Used Electronic transactions, E-Commerce, and Digital Payments. Journal of Social Science (JoSS), 2(9), 814-828.
Wicaksono, A., & Maharani, A. (2020). The effect of perceived usefulness and perceived ease of use on the technology acceptance model to use online travel agency. Journal of Business and Management Review, 1(5), 313-328.
Zakariyah, H., Salaudeen, A. O., Othman, A. H. A., & Rosman, R. (2022). Enhancing waqf management through electronic transactions in Malaysia: a conceptual framework on the technology acceptance model (TAM). Journal of Emerging Economies & Islamic Research, 10(2), 62-73.
Zhang, L. L., & Kim, H. (2020). The influence of financial service characteristics on use intention through customer satisfaction with mobile electronic transactions. Journal of System and Management Sciences, 10(2), 82-94.
Alnsour, I. (2023). The effect of financial technology on Islamic banks performance in Jordan: Panel data analysis. International Journal of Data and Network Science, 7(4), 1515-1524.
Aysan, A. F., Belatik, A., Unal, I. M., & Ettaai, R. (2022). Electronic transactions strategies of Islamic Banks: A global empirical analysis. Electronic transactions, 1(2), 206-215.
Ayswarya, R., Sarala, D., Muralidharan, P., & Ilankadhir, M. (2019). Service quality of mobile banking services in ICICI Bank Limited. Journal of Service Science and Management, 12(05), 649.
Bakry, M., Masse, R. A., Arake, L., Amiruddin, M. M., & Syatar, A. (2021). How to attract millennials? Indonesian sharia banking opportunities. WSEAS Transactions on Business and Economics, 18, 376-385.
Barbu, C. M., Florea, D. L., Dabija, D. C., & Barbu, M. C. R. (2021). Customer experience in electronic transactions. Journal of Theoretical and Applied Electronic Commerce Research, 16(5), 1415-1433.
Bojjagani, S., Sastry, V. N., Chen, C. M., Kumari, S., & Khan, M. K. (2023). Systematic survey of mobile payments, protocols, and security infrastructure. Journal of Ambient Intelligence and Humanized Computing, 14(1), 609-654.
Carbó-Valverde, S., Cuadros-Solas, P. J., & Rodríguez-Fernández, F. (2021). Electronic transactions and banking: an evolving relationship. Disruptive Technology in Banking and Finance: An International Perspective on Electronic transactions, 161-194.
Dai, R. M. (2020). Electronic transactions as a Catalyst for Growth of Micro, Small and Medium Enterprises in Indonesia. Academy of Strategic Management Journal, 19(5), 1-12.
Davis, F. D. (1989). Technology acceptance model: TAM. Al-Suqri, MN, Al-Aufi, AS: Information Seeking Behavior and Technology Adoption, 205-219.
Dwivedi, P., Alabdooli, J. I., & Dwivedi, R. (2021). Role of electronic transactions adoption for competitiveness and performance of the bank: a study of banking industry in UAE. International Journal of Global Business and Competitiveness, 16(2), 130-138.
Hoang, D. P. (2019). The central role of customer dialogue and trust in gaining bank loyalty: an extended SWICS model. International Journal of Bank Marketing, 37(3), 711-729.
Iglesias, O., Markovic, S., Bagherzadeh, M., & Singh, J. J. (2020). Co-creation: A key link between corporate social responsibility, customer trust, and customer loyalty. Journal of business ethics, 163, 151-166.
Islam, T., Islam, R., Pitafi, A. H., Xiaobei, L., Rehmani, M., Irfan, M., & Mubarak, M. S. (2021). The impact of corporate social responsibility on customer loyalty: The mediating role of corporate reputation, customer satisfaction, and trust. Sustainable Production and Consumption, 25, 123-135.
Johansson, E., Sutinen, K., Lassila, J., Lang, V., Martikainen, M., & Lehner, O. M. (2019). Regtech-a necessary tool to keep up with compliance and regulatory changes. ACRN Journal of Finance and Risk Perspectives, Special Issue Digital Accounting, 8, 71-85.
Kartika, T., Firdaus, A., & Najib, M. (2020). Contrasting the drivers of customer loyalty; financing and depositor customer, single and dual customer, in Indonesian Islamic bank. Journal of Islamic Marketing, 11(4), 933-959.
Khan, R. U., Salamzadeh, Y., Iqbal, Q., & Yang, S. (2022). The impact of customer relationship management and company reputation on customer loyalty: The mediating role of customer satisfaction. Journal of Relationship Marketing, 21(1), 1-26.
Khatri, A., Gupta, N., & Parashar, A. (2020). Application of technology acceptance model (TAM) in electronic transactions services. International Journal of Management (IJM), 11(12), 3520-3548.
Lee, C. C., Li, X., Yu, C. H., & Zhao, J. (2021). Does electronic transactions innovation improve bank efficiency? Evidence from China’s banking industry. International Review of Economics & Finance, 74, 468-483.
Lestari, D., & Rahmanto, B. T. (2023). Electronic transactions and its challenge for banking sector. The Management Journal of BINANIAGA, 6(01), 55-70.
Majumdar, S., & Pujari, V. (2022). Exploring usage of mobile banking apps in the UAE: a categorical regression analysis. Journal of Financial Services Marketing, 27(3), 177-189.
Mujahidin, Y., Muhammad, A., Rian, S., Tri, I.N., Sampe, & Ferdianndus. (2022). The Effect of Relationship Marketing and Relationship Quality on Customer Loyalty (Bank Muamalat Indonesia). Technium Society Science Journal, 38, 312.
Mulia, D., Usman, H., & Parwanto, N. B. (2021). The role of customer intimacy in increasing Islamic bank customer loyalty in using e-banking and m-banking. Journal of Islamic Marketing, 12(6), 1097-1123.
Musabegovic, I., Özer, M., Djukovic, S., & Jovanovic, S. (2019). Influence of electronic transactions on financial industry. Економика пољопривреде, 66(4), 1003-1021.
Musyaffi, A. M., Mulyani, S., Suraida, I., & Sukmadilaga, C. (2021). Lack of readiness of digital banking channel acceptance: Study on TAM 3 and technology readiness. Academy of Strategic Management Journal, 20, 1-18.
Nwakoby, N. P., Okoye, J. N., Ezejiofor, R. A., Anukwu, C. C., & Ihediwa, A. (2020). Electronic banking and profitability: Empirical evidence from selected banks in Nigeria. Journal of Economics and Business, 3(2).
Popescu, A. D. (2020). Electronic transactions as a driver for financial digital assets. Ovidius University Annals, Economic Sciences Series, 20(2), 1055-1059.
Putri, G. A., Widagdo, A. K., & Setiawan, D. (2023). Analysis of financial technology acceptance of peer to peer lending (P2P lending) using extended technology acceptance model (TAM). Journal of Open Innovation: Technology, Market, and Complexity, 9(1), 100027.
Rachmawati, I. K., Bukhori, M., Majidah, Y., & Hidayatullah, S. (2020). Analysis of use of mobile banking with acceptance and use of technology (UTAUT). International Journal of Scientific and Technology Research, 9(8), 534-540.
Rahmawati, R. N. (2019). Self-efficacy and use of e-learning: A theoretical review technology acceptance model (TAM). American Journal of Humanities and Social Sciences Research, 3(5), 41-55.
Rahmiati, F., & Jelitalia, A. (2021). Extending the Role of Technology Acceptance Model (TAM) with Perceived Risk and E-Customer Service. Journal of Technology Management and Technopreneurship (JTMT), 9(1), 1-12.
Rauniyar, K., Rauniyar, K., & Sah, D. K. (2021). Role of electronic transactions and innovations for improvising digital financial inclusion. Int. J. Innov. Sci. Res. Technol, 6(5), 1419-24.
Satria, A. D., Anita, A., Krismadayanti, K., & Noviarita, H. (2021). Development of Sharia Finance Digitalization Towards Inclusive Finance Within a Sharia Maqashid Framework (Case Study on PT Bank Syariah Indonesia’s BSI Mobile Banking Product). Journal of Islamic Business and Economic Review, 4(2), 84-96.
Shaikh, I. M., Qureshi, M. A., Noordin, K., Shaikh, J. M., Khan, A., & Shahbaz, M. S. (2020). Acceptance of Islamic electronic transactions banking services by Malaysian users: an extension of technology acceptance model. foresight, 22(3), 367-383.
Supriyanto, A., Wiyono, B. B., & Burhanuddin, B. (2021). Effects of service quality and customer satisfaction on loyalty of bank customers. Cogent Business & Management, 8(1), 1937847.
Tsai, C. H., & Su, P. C. (2021). The application of multi-server authentication scheme in internet banking transaction environments. Information systems and e-business management, 19(1), 77-105.
Tun-Pin, C., Keng-Soon, W. C., Yen-San, Y., Pui-Yee, C., Hong-Leong, J. T., & Shwu-Shing, N. (2019). An adoption of e-banking service in Malaysia. South East Asia Journal of Contemporary Business, 18(5), 134-147.
Varma, P., Nijjer, S., Sood, K., Grima, S., & Rupeika-Apoga, R. (2022). Thematic Analysis of electronic transactions Influence on the Banking Industry. Risks, 10(10), 186.
Warsono, H., Yuwono, T., & Putranti, I. (2023). Analyzing technology acceptance model for collaborative governance in public administration: Empirical evidence of digital governance and perceived ease of use. International Journal of Data and Network Science, 7(1), 41-48.
Wendi, W., Pratamawati, S., & Zukhri, N. (2023). Msme Profits Boost: The Impact of Revitalization Used Electronic transactions, E-Commerce, and Digital Payments. Journal of Social Science (JoSS), 2(9), 814-828.
Wicaksono, A., & Maharani, A. (2020). The effect of perceived usefulness and perceived ease of use on the technology acceptance model to use online travel agency. Journal of Business and Management Review, 1(5), 313-328.
Zakariyah, H., Salaudeen, A. O., Othman, A. H. A., & Rosman, R. (2022). Enhancing waqf management through electronic transactions in Malaysia: a conceptual framework on the technology acceptance model (TAM). Journal of Emerging Economies & Islamic Research, 10(2), 62-73.
Zhang, L. L., & Kim, H. (2020). The influence of financial service characteristics on use intention through customer satisfaction with mobile electronic transactions. Journal of System and Management Sciences, 10(2), 82-94.