|1. Cost Efficiency,
||1. Regulations issued by Bank Indonesia and the Financial Services Authority,
|2. Coverage of digital technology networks to remote areas that cannot be reached by humans,
||2. Increasing technological developments,
|3. Willing to access digital technology networks without down time,
||3. The rise of market demand related to e-commerce transactions is indicated by the increasing use of e-banking,
| 4. Types of banking products based on digital technology are increasingly diverse, making it easier for customers to carry out banking activities on a daily basis.
||4. Banking competition in providing services that are easy, fast and pleasant to customers.