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Digital Banking: Challenges, Emerging Technology Trends, and Future Research Agenda

Author

Listed:
  • Elisa Indriasari

    (Binus University, Indonesia)

  • Harjanto Prabowo

    (Binus University, Indonesia)

  • Ford Lumban Gaol

    (Binus University, Indonesia)

  • Betty Purwandari

    (Universitas Indonesia, Indonesia)

Abstract

Due to the exponential growth of the internet, smartphones, and communication technologies during the last two decades, the digital banking sector has enormously advanced in terms of user-friendly, efficient, and fast financial transactions. Digital banking also plays a significant role as an enabler of cashless transactions in the economic crisis caused by the COVID-19 pandemic. The study investigates the challenges, technology, and future research agenda of digital banking. The paper follows the manifestation of Kitchenham's SLR protocol. Six databases were used to determine articles that match the criteria. The study considers recent articles, which have been published from 2015 to 2021. Sixty-seven papers have been selected, extracted, and analyzed. The result highlights issues related to technology, organization, people, process, environment, customers, security, and risk, which become challenges in digital banking innovation. This research presents suggestions for future research directions, which will be beneficial to practitioners and scholars around the globe.

Suggested Citation

  • Elisa Indriasari & Harjanto Prabowo & Ford Lumban Gaol & Betty Purwandari, 2022. "Digital Banking: Challenges, Emerging Technology Trends, and Future Research Agenda," International Journal of E-Business Research (IJEBR), IGI Global, vol. 18(1), pages 1-20, January.
    • Handle: RePEc:igg:jebr00:v:18:y:2022:i:1:p:1-20
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    References listed on IDEAS

    as
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    2. Yubo Chen & Jinhong Xie, 2005. "Third-Party Product Review and Firm Marketing Strategy," Marketing Science, INFORMS, vol. 24(2), pages 218-240, February.
    3. Kaplan, Andreas M. & Haenlein, Michael, 2010. "Users of the world, unite! The challenges and opportunities of Social Media," Business Horizons, Elsevier, vol. 53(1), pages 59-68, January.
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