Determinants of Indonesian Tourism Commercial Acceptance in AI Ad Conversion

Digital transformation has become a pivotal factor in reshaping various industries, including banking, where it enhances service accessibility and customer engagement. In particular, the integration of digital tools and financial literacy programs has shown significant promise in improving the accessibility of banking transaction services, especially for underserved populations. This research aims to investigate how digital transformation and financial literacy initiatives contribute to enhancing the accessibility of banking services. The focus is on understanding the interplay between digital literacy and technology adoption in banking, specifically in the context of low-income and digitally excluded groups. A mixed-methods approach was employed, combining quantitative surveys to assess customer perceptions and qualitative interviews to explore the barriers to accessing digital banking services. The findings reveal that while digital transformation has greatly expanded service access, challenges such as limited digital literacy and trust issues remain significant barriers. The study also identifies that financial literacy programs can mitigate these challenges by empowering customers to use digital banking platforms more effectively. The research concludes that the successful integration of digital transformation in banking requires not only technological innovation but also a concerted effort to improve financial literacy among customers. These findings have implications for banking institutions, policymakers, and educators in designing inclusive and accessible digital banking solutions that cater to all demographic groups.