Indonesian Journal of Business Analytics (IJBA)
Vol. 6 No. 3 (2026): June 2026

The Impact of Perceived Ease of Use and Financial Self-Efficacy on Financial Loyalty: The Mediating Role of Trust

Niken Amelia (University Swadaya Gunung Jati Cirebon)
Mardiyani (University Swadaya Gunung Jati Cirebon)

Article Info

Publish Date
30 Jun 2026

Abstract

This study aims to examine the effects of perceived ease of use and financial self-efficacy on financial loyalty, with trust as a mediating variable, among Generation Z digital bank customers in Cirebon. A quantitative approach was employed using an online survey with 150 respondents selected through purposive sampling. Data were analyzed using Structural Equation Modelling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The results show that perceived ease of use and financial self-efficacy positively influence trust and financial loyalty. Trust is also found to mediate these relationships. These findings imply that improving system usability and financial capability can strengthen customer trust and enhance loyalty in digital banking.

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Journal Info
Indonesian Journal of Business Analytics (IJBA)
Website

Abbrev

ijba

Publisher

PT FORMOSA CENDEKIA GLOBAL

Subject

Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Indonesian Journal of Business Analytics (IJBA) is a peer-reviewed journal providing a space for both practitioners and academics for disseminating research results that work in Business Analytics and related fields. IJBA provides an outlet for the increasing flow of interdisciplinary research ...