AHP Mobile Banking Adoption Strategy Procedia Computer Science data.xlsx

In recent years, the rapid growth of mobile banking technologies has enabled innovations in payment systems, therefore improving financial accessibility in emerging economies such as Indonesia, where more than 100 million people remain unbanked. This study proposes a framework strategy for improving the adoption of mobile banking services regarding the financial risk and privacy risks that remain challenging in emerging markets based on expert opinion using the analytical hierarchy process. The results show that IT Management plays a vital role in in improving mobile banking adoption by implementing and strengthening cybersecurity to protect consumers, followed by the importance of business requirements prepared by the Product Owner, the willingness of Bank Consumers to install the most updated mobile banking services, and the security standards and guidelines established by the Financial Services Regulatory Authority.