Cloud computing is the process of maintaining, storing, managing, processing, analyzing, and protecting data using a network of internet-based servers. Data is stored in the cloud instead of on physical devices. This enables organizations to better manage administration, streamline processes, improve productivity, optimize costs, and improve the digital customer experience. As a country that is experiencing exponential growth in data volume, Indonesia and its banking system have yet to fully implement cloud computing technologies due to regulation barriers and a lack of decent infrastructure. Major banks in Indonesia, have 10 to 40 million customers with hundreds of millions of transactions every day. Banking services are among the data giants that generate terabytes of data every day and have yet to move to cloud computing technology.

The main reason that banks are not using innovative technologies is the hurdle of cost for developing customized banking solutions, investment of time, and high-quality resources. Cloud computing, as the latest technology that banks are adopting, comes with its own advantages and challenges. Therefore, to avoid the confusion and fear of decision-makers to adopt this technology, a study of the factors that influence the adoption of cloud computing must be undertaken before implementing it. This study focuses on exploring factors (technological, organizational, environmental) that affect the decision to adopt cloud computing in Bank Tepat Syariah to improve the understanding of decision-makers on these solutions so that their decision can be an informed one. Furthermore, this study aims to contribute to scientific knowledge since empirical research on the adoption of cloud computing is limited.