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Journal : Jurnal REP (Riset Ekonomi Pembangunan)

DETERMINANT FACTORS OF MOBILE BANKING USAGE: CASE STUDY IN KUPANG, EAST NUSA TENGGARA Hedwig H. T. Lejap; Maria Augustin Lopes Amaral; Selfiana Goetha; Engelbertus G. Ch. Watu; Apryanus Fallo
Riset Ekonomi Pembangunan Vol 6, No 2 (2021): Oktober 2021
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rep.v6i2.5457

Abstract

A review of previous research on m-banking in developing countries reveals that research on the drivers of trust in mobile banking is somewhat limited. Therefore, this study attempts to investigate the factors that influence the user's perception of confidence in mobile banking services. This model was tested empirically using an online survey from a convenience sampling of 95 respondents and analyzed using SEM PLS. This study estimates that six variables (perceived credibility, perceived benefits, security risks, privacy risks, social influence, and perceived behavioral control) directly impact perceived trust in mobile banking. The results, in particular, perceived benefits positively affect perceived trust in mobile banking, followed by social influence, security risk, and privacy risk has power on perceived trust in mobile banking. On the other hand, perceived credibility and PBC show no significant effect on the belief of mobile banking users.
Co-Authors Adiutrix Maria Irayanti Seran Adrianus Ketmoen Agnes Susanti Indrawati Alfonsus Rodriques Suninono Alfry Aristo Jansen Sinlae Anggraeny Paridy Antonius Y. W Timuneno Antonius Yohanes William Timuneno Apryanus Fallo Apryanus Fallo Apryanus Fallo Azriel R. Kurniasandy Baso, Susana Purnamasari Bau Mau, Ignatia Thomasita Beatrix Yunarti Manehat Bribin Burin, Stefanie Noviega Burin, Stefanie N.B. Burin, Stefanie Noviega Birbin Burin, Stefanie Noviega Bribin David Manafe Dayuli Nuri Djuang, Gaudensius Engelbertus G. C. Watu Engelbertus G. Ch. Watu Firmansyah, Mariano Fitrah Aminah Eka Putri Legimin Fransiskus Armando Bone Gaudensius Djuang Hedwigh Hendrikus Temai Lejap Henny Angri Manafe Ignatia Thomasita Bau Mau Imelda Nulle Irayanti Seran, Adiutrix Maria Kewuan, Bibiana Barek Kristina Berliana Hun Kristina Wada Betu Leopold Melkiano Triangga Dawu Magdalena, Christiana Malut, Maria Goreti Maria Augustin Lopes Amaral Maria Magdalena Ina Bewa Maria Odriana Veronica Mooi Maria Odriana Veronika Moy Maria Velangkani Ndun Maria Yulita Hoar Mariano Firmansyah Maru, Ignasia Natasya Taju Matheus M. Dwinanto Mau, Ignatia Thomasita Bau Miranda, Florensia Maria Mogi, Vinsensia O. Moi, Maria Odriana Veronika Mona, Handly Bernadus Biku Muhammad Agus Muljanto Neno, Marianus S Neno, Marianus Saldena Panie, Alexsandro Arsol Panie, Tirvan Markus Paskalis Andrianus Nani Rere Paulina Bibiana Rosadalima Tisu Saldanha Neno, Marianus Saru, Joaquina Felicia Seran, Paskalis Simon Sia Niha Solly Aryza Solvi Mariana Makandolu Stanis Man Stefanie Noviega Bribin Burin Sundari, Woro Suninono, Alfonsus Rodrigues Timuneno, Antonius Yohanes William Verdy A. Koehuan Watu, Engelbertus Gloria Christy Wilhelmus F. N. Runesi Wutun, Maria B.M.G. Wuwur, Robiyson Wilhelmus Yolinda Yanti Sonbay Yoseph Rangga Dhae Yustina Alfira Nay Zevania Rovianti Nggorong