Fostering Digital Banking Growth: Understanding User Willingness

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Published: Mar 6, 2025
Keywords:
Mobile Banking Adoption, Perceived Usefulness, Perceived Ease of Use, Perceived Security, Trust

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Mispiyanti Mispiyanti
Universitas Putra Bangsa
Salsa Khairunisa Mukharomah
Universitas Putra Bangsa
Desta Apriyani Putri
Universitas Putra Bangsa
Aninda Rahmah Putri
Universitas Putra Bangsa

Abstract

The increasing reliance on digital banking has made mobile banking a vital financial service. This study examines the factors influencing mobile banking adoption in Indonesia, focusing on Perceived Usefulness, Perceived Ease of Use, Perceived Security, and Trust within the Technology Acceptance Model (TAM) framework. A quantitative approach was used, with data collected from 250 mobile banking users and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that all four factors significantly impact adoption, with perceived usefulness and trust playing key roles. Users are more likely to adopt mobile banking when they perceive it as beneficial, easy to use, secure, and supported by a reliable institution. Banks should enhance functionality, security, and transparency to strengthen consumer confidence. Future research may explore additional factors, such as social influence and service quality, to gain more profound insights into mobile banking adoption.

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How to Cite
Mispiyanti, M., Mukharomah, S. K., Putri, D. A., & Putri, A. R. (2025). Fostering Digital Banking Growth: Understanding User Willingness. IBRICS: Journal of Multidisciplinary Study, 1(1), 15–37. Retrieved from https://ibrics.net/index.php/iJMS/article/view/2
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Vol. 1 No. 1 (2025): iBRICS: Journal of Multidiciplinary Study
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Articles
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This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

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