The influence of attitude toward behavior and social media on customer intention on the SeaBank application

Penulis

  • Nazifah Aini Universitas Negeri Padang, Indonesia
  • Husnil Khatimah Universitas Negeri Padang, Indonesia

DOI:

https://doi.org/10.35335/ijafibs.v14i1.481

Kata Kunci:

Attitude Behavior Toward, Costumer Intention, Digital Banking, Social Media

Abstrak

This study examines how behavioral attitudes and social media shape customers’ intentions to adopt SeaBank digital banking service. Rapid fintech growth has pushed banks to enchance digital offerings and attract broadr user bases. Using quatitative methods, data come from 48 respondents via structured questionnaire and the sampling technique used in this study was purposive sampling. Data was conducted using the PLS-SEM revealed that behavioral attitudes significantly boost customer intentions, while social media shows a positive but non-significant impact. The model accounts for 38.8% of intention variance, highlighting attitudes as the dominant driver over social media in digital banking uptake.

Referensi

Ajzen, I. (2020). The theory of planned behavior: Frequently asked questions. Human Behavior and Emerging Technologies, 2(4), 314–324. https://doi.org/10.1002/hbe2.195

Alalwan, A. A. (2018). Investigating the impact of social media advertising features on customer purchase intention. International Journal of Information Management, 42, 65–77. https://doi.org/10.1016/j.ijinfomgt.2018.06.001

Appel, G., Grewal, L., Hadi, R., & Stephen, A. T. (2020). The future of social media in marketing. Journal of the Academy of Marketing Science, 48(1), 79–95. https://doi.org/10.1007/s11747-019-00695-1

Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Patil, P., & Dwivedi, Y. K. (2019). An integrated model for m-banking adoption in Saudi Arabia. International Journal of Bank Marketing, 37(2), 452–478. https://doi.org/10.1108/IJBM-07-2018-0183

Chaudhuri, A., et al. (2022). Consumer trust in digital financial services: The role of technology and risk. Technological Forecasting and Social Change.

Dwivedi, Y. K., Ismagilova, E., Hughes, D. L., Carlson, J., Filieri, R., Jacobson, J., Jain, V., Karjaluoto, H., Kefi, H., Krishen, A. S., Kumar, V., Rahman, M. M., Raman, R., Rauschnabel, P. A., Rowley, J., Salo, J., Tran, G. A., & Wang, Y. (2021). Setting the future of digital and social media marketing research: Perspectives and research propositions. International Journal of Information Management, 59. https://doi.org/10.1016/j.ijinfomgt.2020.102168

Etikan. (2016). Comparison of Convenience Sampling and Purposive Sampling. American Journal of Theoretical and Applied Statistics, 5(1), 1. https://doi.org/10.11648/j.ajtas.20160501.11

Evans, J. R., & Mathur, A. (2018). The value of online surveys: a look back and a look ahead. Internet Research, 28(4), 854–887. https://doi.org/10.1108/IntR-03-2018-0089

Febisatria, A., Try Zarazwanty Laega, E. R., Davidsi Sipayung, L., & Agus Pratama, A. (2025). Digital Banking Adoption in Indonesia: The Role of Perceived Usefulness and Ease of Use. Target: Jurnal Manajemen Bisnis, 7(Vol. 7 No. 2 (2025), Target: Jurnal Manajemen Bisnis), 79–86. https://doi.org/10.30812/target.v7i2.5868

Fitri Fadilah Widyaputri, & Edy Yusuf Agung Gunanto. (2023). Shariah Mobile Banking Adoption Trends: Analysis Mob Mentality, Reputation, Perceived Risk, and Islamic Financial Literacy. Jurnal Ekonomi Syariah Teori Dan Terapan, 10(5), 482–495. https://doi.org/10.20473/vol10iss20235pp482-495

Gumilar, I. R., Saepuloh, A., & Sojanah, J. (2024). Understanding Generation Z’s Preference for Cash on Delivery in Garut Regency. Business Innovation and Entrepreneurship Journal, 6(1), 82–88. https://doi.org/10.35899/biej.v6i1.715

Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2021). A primer on partial least squares structural equation modeling (PLS-SEM) (3rd ed.). In Sage Publications.

Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203

Haleem, A., Javaid, M., Qadri, M. A., & Suman, R. (2022). Understanding the role of digital technologies in education: A review. Sustainable Operations and Computers, 3, 275–285. https://doi.org/10.1016/j.susoc.2022.05.004

Haryono, E. (2023). Metodologi penelitian kualitatif di perguruan tinggi keagamaan Islam. An-Nuur, 13(2). https://doi.org/https://doi.org/10.58403/annuur.v13i2.301

Koo, M., & Yang, S. (2025). Likert-Type Scale. Encyclopedia, 5(1), 1–11.

Kuphanga, D. (2023). Questionnaires in Research: Their Role, Advantages and Main Aspects. International Journal of Education and Research, 11(3), 45–58. https://www.researchgate.net/publication/378868278_Questionnaires_in_Research_Their_Role_Advantages_and_Main_Aspects

Masitoh, N., Rosidah, E., & Kurniawati, A. (2023). Pengaruh Layanan Digital Banking Terhadap Kepuasan Nasabah pada PT Bank Negara Indonesia (Persero) Tbk Kantor Cabang Tasikmalaya. BanKu: Jurnal Perbankan Dan Keuangan, 4(1), 11–16. https://doi.org/10.37058/banku.v4i1.6812

Mohd, A., Mohd, I., Bank, D., Mohamad, L., & Osman, Z. (2024). The Mediating Role of Attitude on Customer Intention in Digital Banking The Mediating Role of Attitude on Customer Intention in Digital Banking Adoption Ratna Khuzaimah Mohamad and Zulaihan Ismail. The Empirical Economics Letters, 23(2), 266–277.

Nisa, N. H., & Roostika, R. R. R. (2024). Analysis of Social Media Interaction on Purchase Intention Mediated by Source Credibility, Homophily and Content Quality. Jurnal Manajemen Bisnis, 11(2), 1878–1893. https://doi.org/10.33096/jmb.v11i2.946

Parveen, A., & Chaudhary, R. (2025). Do Attitude and Subjective Norm Mediate the Relationship Between Social Media e-WOM and Green Purchase Intention? An Empirical Investigation Using PLS-SEM. Vikalpa, 50(1), 37–50. https://doi.org/10.1177/02560909241297015

Peña-García, N., Gil-Saura, I., Rodríguez-Orejuela, A., & Siqueira-Junior, J. R. (2020). Purchase intention and purchase behavior online: A cross-cultural approach. Heliyon, 6(6). https://doi.org/10.1016/j.heliyon.2020.e04284

Rahi, S., Khan, M. M., & Alghizzawi, M. (2020). Factors influencing the adoption of telemedicine health services during COVID-19 pandemic crisis: an integrative research model. Enterprise Information Systems, 15(6), 769–793. https://doi.org/10.1080/17517575.2020.1850872

Rajić, V. (2026). Statistical Hypothesis Testing: A Comprehensive Review of Theory, Methods, and Applications. Mathematics, 14(2), 300. https://doi.org/10.3390/math14020300

Sapulette, A. (2023). Marketing Mix Analysis Annual Event Services Bay Festival Towards Local Tourist Satisfaction in Ambon City. Scientific Research Journal (SCIRJ), XI(Viii), 95–142. https://doi.org/10.31364/SCIRJ/v11.i8.2023.P0823958

Sarstedt, M., Hair, J. F., Pick, M., Liengaard, B. D., Radomir, L., & Ringle, C. M. (2022). Progress in partial least squares structural equation modeling use in marketing research in the last decade. Psychology and Marketing, 39(5), 1035–1064. https://doi.org/10.1002/mar.21640

SeaBank Indonesia. (2025). SeaBank official website. https://www.seabank.co.id/

Siang, J. L. (2023). Efektifitas Metode Bercerita dalam Pembelajaran PAK. Urnal Teologi Dan Pendidikan Kristen. https://doi.org/https://doi.org/10.51667/mjtpk.v4i1.1305

Slamet, R., & Wahyuningsih, S. (2022). Validitas Dan Reliabilitas Terhadap Instrumen Kepuasan Ker. Aliansi : Jurnal Manajemen Dan Bisnis, 17(2), 51–58. https://doi.org/10.46975/aliansi.v17i2.428

Wong, K. K. K.-K. (2013). 28/05 - Partial Least Squares Structural Equation Modeling (PLS-SEM) Techniques Using SmartPLS. Marketing Bulletin, 24(1), 1–32. http://marketing-bulletin.massey.ac.nz/v24/mb_v24_t1_wong.pdf%5Cnhttp://www.researchgate.net/profile/Ken_Wong10/publication/268449353_Partial_Least_Squares_Structural_Equation_Modeling_(PLS-SEM)_Techniques_Using_SmartPLS/links/54773b1b0cf293e2da25e3f3.pdf

Yadav, R., & Pathak, G. S. (2017). Determinants of Consumers’ Green Purchase Behavior in a Developing Nation: Applying and Extending the Theory of Planned Behavior. Ecological Economics, 134, 114–122. https://doi.org/10.1016/j.ecolecon.2016.12.019

Yudha, T., & Ratna, F. (2024). Penyaluran kredit tumbuh, Seabank cetak laba Rp52 miliar di kuartal 1-2024. IDX Channel. https://www.idxchannel.com

Zhang, G. (2023). The Influence of Social Media Marketing on Consumers’ Behavior. Advances in Economics, Management and Political Sciences, 20(1), 119–124. https://doi.org/10.54254/2754-1169/20/20230181

Diterbitkan

2026-04-23

Cara Mengutip

Aini, N., & Khatimah, H. . (2026). The influence of attitude toward behavior and social media on customer intention on the SeaBank application. International Journal of Applied Finance and Business Studies, 14(1), 1–7. https://doi.org/10.35335/ijafibs.v14i1.481