Analisis Faktor-Faktor yang Memengaruhi Minat Penggunaan Bank Digital di Indonesia
Keywords:
TAM, Security, Brand Image, TrustAbstract
This study aims to investigate the interest in using digital banking services in Indonesia using the modified Acceptance Model theory with additional independent variables such as security and brand image. In contrast, trust is used as an intervening variable. The research data is obtained from 215 respondents, who already know digital banking, divided into Gen X, Y, and Z groups. The results show that perceived usefulness is the only variable significantly influencing trust and the usage interest in digital banking. Meanwhile, other variables such as perceived ease of use, security, and brand image influence trust but do not directly affect the interest in using digital banking. This research model provides a good level of explanation as the R2 value for trust is 0.63. This means that the variables of perceived ease of use, perceived usefulness, security, and brand image can explain 63% of the variance in trust. Furthermore, an R2 value of 0.667 for usage intention indicates that the variables of perceived ease of use, perceived usefulness, security, brand image, and trust can explain 66.7% of the variance in intention to use (IU), with the remaining variance explained by other variables not included in this study.
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