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p-Index From 2021 - 2026
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This Author published in this journals
All Journal Indonesian Business Review
Alvinaldy Fitrah
Sampoerna University, Jl. KH. Guru Amin No.Kav. 16 Office Building, RT.6/RW.9, Pancoran, South Jakarta City, Jakarta 12780
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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The Analysis of the Role of Usefulness, Trust, and Ease of Use in Driving Digital Banking Adoption in Indonesia Alvinaldy Fitrah; Vanya Adisti; Christian Haposan Pangaribuan
Indonesian Business Review Vol 9 No 1 (2026): Indonesian Business Review
Publisher : Universitas Prasetiya Mulya

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Abstract

Purpose - The purpose of this paper is to analyze the correlation of perceived usefulness, trust, and perceived ease of use towards the adoption of digital banking in Indonesia. Design/methodology/approach - A survey of the Indonesian population was conducted, and multivariate analysis was performed to discover linkages between respondents' perceptions and behaviour regarding digital banking. Findings - Trust and perceived usefulness have a substantial effect on digital banking adoption. On the contrary, perceived ease of use is insignificant towards digital banking adoption. Practical implications - The relationship between digital banking adoption and trust and perceived usefulness is strong which means banks should focus more on trust-building measures and improving digital banking usefulness to customers. Originality/value - In contrast to previous research, this paper reveals different results in the significance of perceived usefulness towards digital banking adoption.
Co-Authors Christian Haposan Pangaribuan Vanya Adisti