The Influence of Technological Innovation, Financial Literacy and Financial Risk on Customer Adoption at Seabank

Novita Susila Wardani; Endar Pituringsih

doi:10.24843/EJA.2025.v35.i06.p16

Authors

Novita Susila Wardani Faculty of Economics and Business, Universitas Mataram, Indonesia
Endar Pituringsih Faculty of Economics and Business, Universitas Mataram, Indonesia

DOI:

https://doi.org/10.24843/EJA.2025.v35.i06.p16

Abstract

This study aims to analyze the effect of technological innovation, financial literacy and financial risk on customer adoption in Seabank. Seabank is a digital bank application that is growing rapidly in Indonesia. The sampling technique is purposive sample and determining the sample size with the formula hair et al, resulting in 150 respondents. The analytical tool used is SmartPLS 4. This result of this study supports the Technology Acceptance Model (TAM) showing that technological innovation, financial literacy and security risks on seabank customer adoption have a significant positive effect. The limitations in the study are in the scope and number of samples used, so it is recommended in further research to expand the scope of the study and increase the number and diversity of samples so that the results obtained are more representative and can be generalized.

Keywords: Technological Innovation; Financial Literacy; Security Risk; Customer Adoption; Seabank

References

Akmalia, A. N., & Rikumahu, B. (2020). Analisis Tingkat Adopsi Layanan Perbankan Digital Menggunakan Teori Difusi Inovasi (Objek Studi: Jenius oleh Bank BTPN di Kota Bandung dan Jakarta) Jurnal Mitra Manajemen (JMM Online). 4(8), 1196–1207. https://e-jurnalmitramanajemen.com/index.php/jmm/article/view/445

Al-Jabri, I. M., & Sohail, M. S. (2012). Mobile Banking Adoption: Application Of Diffusion Of Innovation Theory. In Journal of Electronic Commerce Research (Vol. 13). http://ssrn.com/abstract=2523623

ANGGRAENI, B. K. (2017). Pengaruh Kemudahan Penggunaan, Keamanan, Manfaat Yang Dirasakan Dan Kepercayaan Nasabah Terhadap Adopsi Internet Banking Bca Surabaya. http://eprints.perbanas.ac.id/5995/

Anisah, S., & Amaniyah, E. (2024). Pengaruh Literasi Keuangan, Risiko Transaksi dan Kemudahan Terhadap Minat Penggunaan QRIS Pada Umkm di Sampang. https://doi.org/10.38035/jafm.v5i5

Annisa Puspadewi, Chairunisa Nur Fadila, Meautia Hanifah, & Nur Hasanah. (2025). Pengaruh Literasi Keuangan dan Fitur Teknologi Finansial terhadap Keputusan Penggunaan Bank Digital Seabank. Ebisnis Manajemen, 1. https://ejournal-nipamof.id/index.php/EBISMAN/article/view/629

Ari Muhamad Imran, Anggi Farika Sari, Septia Nike Bela Sapira, & Prind Triajeng Pungkasanti. (2024). Perencanaan Strategi SI/TI Pada Aplikasi SEABANK Menggunakan Kombinasi SWOT DAN AHP. Jurnal CoSciTech (Computer Science and Information Technology), 5(1), 49–55. https://doi.org/10.37859/coscitech.v5i1.6618

Asif, M., & Sarwar, F. (2023). Customer Relationship Management, Financial Literacy, and Online Banking Adoption: Moderating Role of Social Influence. In RADS Journal of Business Management (Vol. 5, Issue 2). https://jbm.juw.edu.pk/index.php/jbm/article/download/148/111/

ASNAMAWATI, L. (2015). Strategi Percepatan Adopsi Dan Difusi Inovasi Dalam Pemanfaatan Mesin Tanam Padi Indojarwo Transplanter Di Kabupaten Bengkulu Utara Provinsi Bengkulu. https://repository.ut.ac.id/1613/1/fmipa2015_17.pdf

Ayu, N., Dewi, S., Prasetyo, A. S., & Widya, S. (2025). Dampak E-Security Dan Risk Perception Terhadap E-Trust Nasabah Pengguna E-Banking: Peran Literasi Keuangan (Vol. 23, Issue 2). https://ojs.stiemahardhika.ac.id/index.php/mahardika/article/view/1248

Carbó-Valverde, S., Cuadros-Solas, P. J., Rodríguez-Fernández, F., & Sánchez-Béjar, J. J. (2024). Digital innovation and de-branching in the banking industry: Customer perception and satisfaction. Global Policy, 15(S1), 8–20. https://doi.org/10.1111/1758-5899.13313

Choerudin, A., Zulfachry, Widyaswati, R., Warpindyastuti, L. D., Nor Khasanah, J. S., Harto, B., Oktaviani, N. F., Sohilauw, M. I., Nugroho, L., Suharsono, J., & Paramita, V. S. (2023). Literasi Keuangan. PT https://www.globaleksekutifteknologi.co.id

Cupian, Valentino, U., & Annisa Noven, S. (2022). Analisis Faktor-faktor Yang Mempengaruhi Minat Menggunakan Bank Digital Syariah pada Generasi Z: Studi Kasus di Kota Bogor. Jurnal Ilmiah Ekonomi Islam, 8(02), 1679–1688. https://doi.org/10.29040/jiei.v8i2.5299

Dash, M. (2014). Determinants of customers’ adoption of mobile banking: An empirical study by integrating diffusion of innovation with attitude. http://www.arraydev.com/commerce/jibc/

Faqih, K. Factors influencing the behavioral intention to adopt a technological innovation from a developing country context: The case of mobile augmented reality games. Technology in Society, 69, 101958. https://doi.org/10.1016/j.techsoc.2022.101958

Ferozi Ramdana Irsyad, Filja Azkiah Siregar, Jonatan Marbun, & Hasyim Hasyim. (2024). Menghadapi Era Baru : Strategi Perbankan Dalam Menghadapi Perubahan Pasar Dan Teknologi Di Indonesia. Transformasi: Journal of Economics and Business Management, 3(2), 29–46. https://doi.org/10.56444/transformasi.v3i2.1594

Gasperz, J., & Lekatompessy, O. L. (2024). Pengaruh Efisiensi, Kemudahan, Dan Keamanan Terhadap Minat Nasabah Menggunakan Layanan Tarik Tunai Tanpa Kartu Bank Mandiri. Edunomika, 8. https://www.jurnal.stie-aas.ac.id/index.php/jie/article/view/15198/0

HASYIM, I. S. (2022). Analisis Perceived Usefulness, Perceived Ease of Use, Kepercayaan, dan Literasi Keuangan Syariah Terhadap Adopsi FinTech Syariah Oleh UMKM. https://repository.radenintan.ac.id/20634/

Hair, J.F., Black, W.C., Babin, B.J., Anderson, R.E., 2014. Multivariate Data Analysis. 7th Edition. Essex, United Kingdom: Pearson Education Limited https://books.google.co.id/books/about/Multivariate_Data_Analysis.html?id=VvXZnQEACAAJ&redir_esc=y

Henderianto, R., Hermawan Adinugraha, H., Shultoni, M., Andrean, R., & Islam Negeri Abdurrahman Wahid Pekalongan, U. K. (2025). Innovation in Technology, Financial Literacy, and Security Risk in Cardless Withdrawals: Case Study on Customers Adoption at Bank Syariah Indonesia. In Maret (Vol. 11, Issue 1). https://ejournal.uinfasbengkulu.ac.id/index.php/Al-Intaj/index

HUMAIRAH, N. N. (2024). Analisis Pengaruh Literasi Keuangan Syariah, Teknologi Dan Keamanan Informasi Terhadap Minat Adopsi Financial Technology (Fintech) Syariah Di Era Revolusi 5.0. https://repository.unsri.ac.id/144129/3/RAMA_60201_01021182025016_0018128503_01_front_ref.pdf

Indriyani, V., & Santi, E. (2023). Review of Accounting, Finance and Governance The Influence of Green Accounting and Corporate Social Responsibility (CSR) on Corporate Sustainability in Manufacturing Companies Listed on the Indonesian Stock Exchange Period 2019-2022 (Vol. 3, Issue 2). https://akuntansi.pnp.ac.id/rafgo/index.php/RAFGO/article/view/28

Kurniawan, R., Riski Septiono, T., & Ananda Rizki Saputra, D. (2024). Analisis Pengaruh Sistem Keamanan Informasi Perbankan pada Nasabah Pengguna Internet Banking BRI. 18–2024. https://ojs.udb.ac.id/index.php/Senatib/article/view/4644

Langelo, A. S. E. (2013). Perceived Usefulness, Perceived Ease Of Use, Perceived Risk Impact To Lecturers’ Internet Banking Adoption. In Jurnal Emba (Vol. 1). https://ejournal.unsrat.ac.id/index.php/emba/article/view/2962

Lestari, W., & Fauji, R. (2023). Pengaruh Literasi Keuangan, Persepsi Risiko, Dan Kemudahan Penggunaan Terhadap Minat Menggunakan Bank Digital (Seabank) (Studi Pada Masyarakat Karawang Timur). Jurnal Manajemen Terapan Dan Keuangan (Mankeu, 12(04). https://online-journal.unja.ac.id/mankeu/article/view/28135

Lutfi, M. (2024). Analisis Faktor-Faktor Yang Memengaruhi Niat Perilaku Dan Perilaku Penggunaan Aplikasi Digital Banking Seabank Dengan Menggunakan Metode Extension Of Utaut 2. https://jurnal.polines.ac.id/index.php/keunis/article/view/2167

Mauludiyah, A. L., & Diana, N. (2018). Pengaruh Kepercayaan, Keamanan, Persepsi Risiko, Serta Kesadaran Nasabah Terhadap Adopsi E-Banking Di Bank Bri Kantor Kas Universitas Islam Malang. Fakultas Ekonomi Dan Bisnis Universitas Islam Malang, 7. https://jim.unisma.ac.id/index.php/jra/article/viewFile/1435/1407

Noviarni, E. (2014). Analisis Adopsi Layanan Internet Banking Oleh Nasabah Perbankan Di Pekanbaru (Technology Acceptance Model). 1. https://ejournal.uin-suska.ac.id/index.php/al-iqtishad

PRATIWI, I. H. (2017). Pengaruh Kepercayaan, Kemudahan Penggunaan, Keamanan, Kualitas Layanan Website Dan Risiko Terhadap Adopsi Internet Banking Cimb Niaga Di Surrabaya. http://eprints.perbanas.ac.id/2944/

PUTRI, K. N. W. P. (2024). Pengaruh Literasi Keuangan Dan Risiko Penggunaan Terhadap Minat Bertransaksi Menggunakan Fintech Payment Pada Generasi Z. https://repository.pnb.ac.id/id/eprint/11747/

Rahayu, R. (2018). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Persepsi Risiko, Dan Inovasi Teknologi Terhadap Aplikasi Go Pay Dari Pt. Gojek Indonesia (Studi Pada Masyarakat Di Kabupaten Sleman Dan Kota Yogyakarta). https://dspace.uii.ac.id/handle/123456789/7930

Ramadhani Putri, H., & Trisnaningsih, S. (2025). The Effect of Ease of Use, Effectiveness, and Perception of Risk on Interest in Using Seabank Digital Bank (A Case Study in Higher Education). ENTITA: Jurnal Pendidikan Ilmu Pengetahuan Sosial Dan Ilmu-Ilmu Sosial. https://doi.org/10.19105/ejpis.v1i.19142

Resamala Sari, E., Toto, Y., Febrianti, S., & Ekonomi, F. (2025). Pengaruh Literasi Keuangan dan Teman Sebaya terhadap Perilaku Keuangan dengan Gaya Hidup Sebagai Variabel Mediasi pada Mahasiswa Institut Bisnis dan Ekonomi Indonesia. BISMAN, 8. https://www.devspada.unim.ac.id/index.php/bisman/article/view/3616

Saputra, Y. (2024). Analisis Difusi Inovasi Dan Customer Trust Terhadap Adopsi Layanan Mobile Banking (Studi Kasus Pada Nasabah Bank Bca Syariah Wilayah Jabodetabek). https://repository.uinjkt.ac.id/dspace/handle/123456789/78014

Sari, A. K. (2016). Pengaruh Inovasi, Kesesuaian, Keunggulan Relatif Dan Persepsi Kegunaan Terhadap Adopsi Internet Banking Bagi Nasabah Bank Mandiri Di Surabaya. http://eprints.perbanas.ac.id/2180/

Sehabudin, D. (2023). Pengaruh Inovasi Teknologi Terhadap Adopsi Produk Perbankan Syariah: Studi Kasus BJB Syariah Garut. Persya: Perbankan Syariah, 1. https://ejournal.stais-garut.ac.id/index.php/persya/article/view/8

Syamsuddin, S., Marsudi, S., Hasanuddin, B., Umar, A., & Suprayitno, D. (2024). Adapting to Digital Transformation: Challenges and Strategies for Traditional Businesses. Global International Journal of Innovative Research, 2(3), 704–711. https://doi.org/10.59613/global.v2i3.121

Tabassum, T., & Ali, Md. M. (2024). Navigating the Digital Frontier: Exploring the Landscape of Digital Finance in the United States. Global Mainstream Journal, 1(2), 33–38. https://doi.org/10.62304/ijbm.v1i2.150

Tegar, M. (2023). Factors influencing the behavioral intention to adopt a technological innovation from a developing country context: The case of mobile augmented reality games. https://www.sciencedirect.com/science/article/abs/pii/S0160791X22000999

Tristiyanti, N. D. (2017). Pengaruh Keunggulan Relatif, Kompatibilitas, Persepsi Kegunaan, Kemampuan Untuk Dilihat, Dan Persepsi Resiko Terhadap Adopsi Mobile Banking Bagi Nasabah Bca Di Surabaya. http://eprints.perbanas.ac.id/2945/1/ARTIKEL%20ILMIAH.pdf

Usman, O., & Nabilla, T. (2021). The Effect Of Trust, Easiness, Security, And Benefits Of Interest Using E-Money. Https://Ssrn.Com/Abstract=3510168