Resistant to Change, Self-efficacy, Awareness, and Perceptions of Price on the Use of Digital Banks as Complementary Banks

The emergence of digital banks in Indonesia provides the public with an alternate option for accessing bank services that are conveniently available at any time and from any location. Because consumers already have accounts at the big banks, mainly traditional banks, digital banks are often seen as complementary institutions. Although many are utilized as auxiliary banks, there are many digital bank fans. However, the factors that influence people's decisions to use digital banks require additional research, particularly in distinct and specialized sectors and with unique characteristics. The purpose of this study is to investigate the factors of actual usage by considering the variables of resistance to change, self-efficacy, awareness, and price perception. This quantitative study included 263 people and employed SEM-PLS modeling using SmartPLS 4.0. This study uses a survey to identify the criteria for participants, which are adults in Jakarta aged 17 to 30 who have a digital bank as a complementary bank. According to the findings of this study, youthful consumers are substantially influenced by reluctance to change and pricing perceptions. Other criteria, such as self-efficacy and awareness, have no effect on the decision to utilize digital banks as complementary banks.