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All Journal BALANCE: Economic, Business, Management and Accounting Journal Bima Journal : Business, Management and Accounting Journal
Winanda Winanda
Universitas Muhammadiyah Palopo
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Influence of Perceived Ease and Usefulness on the Acceptance of AI Features in Mobile Banking: Evidence from Palopo City, Indonesia Winanda Winanda; Antong  Antong; Goso  Goso
BIMA Journal (Business, Management, & Accounting Journal) Vol. 7 No. 1 (2026)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.7.1.273-284

Abstract

Purpose: This study examines the influence of perceived ease of use and perceived usefulness on the acceptance of Artificial Intelligence (AI) features in mobile banking among Generation Z users in Palopo City, Indonesia. The research addresses the growing need to understand user acceptance of AI-driven financial services in regional contexts. Methodology: A quantitative approach was employed using an online survey distributed to 210 mobile banking users selected through purposive sampling. Data were analyzed using multiple linear regression to assess both partial and simultaneous effects of the independent variables on AI feature acceptance. Results: The findings indicate that perceived ease of use and perceived usefulness have significant positive effects on the acceptance of AI features in mobile banking. Perceived usefulness exerts a stronger influence than perceived ease of use. The model explains 60.5% of the variance in AI feature acceptance. Findings: The results confirm the relevance of the Technology Acceptance Model (TAM) in explaining AI adoption in mobile banking. Novelty & Originality: This study offers novelty by focusing on Generation Z users in Palopo City, a regional context rarely examined in prior research on AI-based fintech acceptance. Conclusions: The study provides theoretical support for TAM and offers practical implications for banking institutions to enhance AI feature adoption by improving usability and emphasizing functional benefits. Type of Paper: This paper is an empirical research paper.
Understanding Consumer Acceptance of Artificial Intelligence in Mobile Banking through Perceived Ease and Usefulness Winanda Winanda; Antong Antong; Goso Goso
BALANCE: Economic, Business, Management and Accounting Journal Vol 23 No 1 (2026): Januari
Publisher : UMSurabaya Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/blc.v23i1.29012

Abstract

This study analyses the factors influencing the adoption of Artificial Intelligence (AI) technology in mobile banking services, focusing on user perceptions regarding ease and benefits in Palopo City. Quantitative methods were used, targeting the complete population of mobile banking service users in the region. Purposive sampling allowed the selection of 210 participants. The results showed that perceived ease of use significantly and positively influenced the adoption of AI functions, while perceived usefulness also showed a significant positive influence. Together, these two factors explained 60.5% of the variation in user acceptance, while the remaining 39.5% was explained by factors outside the scope of this study.
Co-Authors Antong Antong Antong  Antong Goso Goso Goso  Goso