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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis
Owen, Safira Larasati
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Other

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Determinant Of Digital Bank Usage In Indonesia Owen, Safira Larasati; Arifin, Zaenal
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 1 (2025): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i1.6662

Abstract

This study aims to determine the factors influencing the use of digital banks in Indonesia. The research is developed from the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2). This study employs a quantitative approach where data is obtained through a Google Form questionnaire. The research uses a sample of 179 digital bank users spread across Indonesia. The analysis used in this study is PLS-SEM. The results show that performance expectancy has a positive and significant impact on the behavioral intention, effort expectancy has a positive and significant impact on use, social media has a positive and significant impact on behavioral intention and use. trust have a positive and significant impact on behavioral intention and use, and the behavioral intention has a positive and significant impact on use. However, performance expectancy negatively impacts use,and effort expectancy negatively impacts behavioral intention
Co-Authors Zaenal Arifin