The Analysis of the Role of Usefulness, Trust, and Ease of Use in Driving Digital Banking Adoption in Indonesia

Alvinaldy Fitrah (Sampoerna University, Jl. KH. Guru Amin No.Kav. 16 Office Building, RT.6/RW.9, Pancoran, South Jakarta City, Jakarta 12780)
Vanya Adisti (Sampoerna University, Jl. KH. Guru Amin No.Kav. 16 Office Building, RT.6/RW.9, Pancoran, South Jakarta City, Jakarta 12780)
Christian Haposan Pangaribuan (Sampoerna University, Jl. KH. Guru Amin No.Kav. 16 Office Building, RT.6/RW.9, Pancoran, South Jakarta City, Jakarta 12780)

Indonesian Business Review
Vol 9 No 1 (2026): Indonesian Business Review

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.