Meiryani Meiryani
ABSTRACT
Problematic: At this time technology development has influence civilization. Because digital banking is the result of technological developments in the banking sector, therefore digital banking has the potential to be adopted. In addition to all the potential that digital banking has in adoption in Indonesia, digital banking has several problems such as Digital banking transaction risk, Social-physiological barriers, privacy and access barriers, insecure feeling, perceived risk of security and trust among the users which causes the users having a hard time to adopting Digital banking. Purpose: This research was conducted to determine the customer's perspective (Perceived usefulness, perceived ease of use, perceived risk and trust, social influence) in using digital banking which is the result of technology developments in the banking sector. Theory: Digital Banking is a product resulting from changes in the banking system due to technology developments. The banking system that was use by digital banking is modern method. By using the modern method in banking, the bank's customers can make the transactions and use bank facilities easily. Methodology: This research uses quantitative method and data collection in this research is primary data. Primary data was collected through the questionnaires. Then, the data will be process and analysis by using Smart PLS 4 program. Findings: From the research we found that perceived usefulness and social influence has positive moderate and significant influence to behavioral intention to use Digital Banking. While perceived ease of use, perceived risk and trust has not significant positive moderate influence to behavioral intention to use Digital Banking
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Index Terms
- The New Era of Banking: Technology Acceptance Model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT),
Index terms have been assigned to the content through auto-classification.
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