Driving Mobile Banking Usage: The Role of Information Technology in Indonesia

Angelina, Hilda and Anandya, Dudi and Indarini, Indarini (2025) Driving Mobile Banking Usage: The Role of Information Technology in Indonesia. In: Proceedings of the International Symposium on Management (Volume 22, 2025), 12-15 May, 2025, University of Banking, Ho Chi Minh City, Vietnam.

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Abstract

To date, payment methods have evolved to include mobile banking, enabling individuals to conduct transactions more conveniently from anywhere. This trend can be analyzed, as the number of mobile banking users has consistently increased year by year. This study aims to analyze the influence of perceived risk, perceived trust, perceived cost, self efficacy, performance expectancy, effort expectancy, and social influence on behavioral intention to use mobile banking in Indonesia. Based on data collected from 234 respondents, the results indicate that most of the variables significantly influence consumer behavioral intention, as evidenced by the Structural Equation Modeling (SEM) method. The data were analyzed using SPSS Statistics 25 and Amos Graphic software. The findings reveal that perceived risk, perceived trust, effort expectancy, and social influence significantly affect behavioral intention. In contrast, perceived cost, self-efficacy, and performance expectancy do not have a significant impact on behavioral intention.

Item Type:	Conference or Workshop Item (Paper)
Uncontrolled Keywords:	UTAUT, behavioral intention, mobile banking
Subjects:	H Social Sciences > H Social Sciences (General) H Social Sciences > HJ Public Finance
Divisions:	Faculty of Business and Economic > Department of Management
Depositing User:	DUDI ANANDYA
Date Deposited:	21 Jul 2025 01:47
Last Modified:	21 Jul 2025 01:47
URI:	http://repository.ubaya.ac.id/id/eprint/49048

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