Indonesian Digital Bank Adoption Defence Determination Post-Privacy Data Leakage Issues

Banking service transformation from traditional services to bank digitalization has several advantages for both banks and customers. This study aims to examine several theories, including UTAUT, Meta UTAUT and TAM plus the development of variables from security and marketing theory in testing the behavior of digital bank customers in chronological perception by considering 19 hypotheses. The quantitative survey research was carried out by involving 206 respondents using the SEM PLS analysis technique. The results of hypothesis testing summarize the meaning of trust pre-use and post-satisfaction achieved by customers can encourage customer loyalty and intention to recommend digital banks to the public. The negative issue of a technology is a poison that can damage the sustainability of digital banks. So it is necessary to evaluate the improvement and development of digital banks both in terms of systems and services in order to continue to exist in the community.