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All Journal Journal of Economics, Business, & Accountancy Ventura
Nur Suci I Mei
Faculty of Economics and Business, Hayam Wuruk Perbanas University, Surabaya, Indonesia
Economics, Econometrics & Finance

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Exploring the Influence of Cultural and Privacy Perceptions on the Adoption of Mobile Banking Sasongko Budisusetyo; Erina Sudaryati; Nur Suci I Mei; Diyah Pujiati; Joicenda Nahumury
Journal of Economics, Business, & Accountancy Ventura Vol. 28 No. 2 (2025): August 2025
Publisher : Research Center and Community Services (PPPM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v28i2.5288

Abstract

This study investigates how cultural differences and IT literacy influence privacy and security perceptions in mobile banking, focusing on their effect on usage intention. The research model examines the impact of cultural orientation and digital literacy on privacy and security perceptions, which affect usage intention and loyalty. A survey was conducted among students to measure cultural background, technological literacy, privacy and security perceptions, and intention to use mobile banking. The findings show culture significantly affects perceptions of privacy and security, which positively impact usage intention and loyalty. The study concludes that strengthening privacy perceptions and system usage are key for enhancing loyalty. The research supports previous findings on digital culture's influence on privacy perception and its role in building user trust.  
Co-Authors Diyah Pujiati Erina Sudaryati Joicenda Nahumury Sasongko Budisusetyo