Ayatulloh Michael Musyaffi, Razana Juhaida Johari, Bobur Sobirov, Mario Colega Oli, Rahmi, Bambang Afriadi
Security concerns have become a significant challenge for users and the banking industry, particularly in digital banking and the prevalent use of the Internet. This study investigates the influence of trust, security, and personal innovativeness on user acceptance of digital banking platforms. A sample of 598 digital banking users completed an online survey via Google Forms. The collected data were analyzed using Partial Least Squares (PLS) with smart-pls version 4 software. Among the 11 hypotheses examined, all were found to be supported, indicating that trust, security, and personal innovativeness play a crucial role in enhancing the key constructs of Technology Acceptance Model (TAM), including Perceived Ease of Use (EUDB), Perceived Usefulness (UDB), and Intention to Use (INDB). Notably, personal innovativeness was found to significantly impact the perceived ease and benefits of digital banking, warranting considerable attention. Trust emerged as a secondary priority, but still essential for shaping user perceptions of the benefits of digital banking. Therefore, the banking industry should focus on system enhancements aligned with user needs, particularly regarding features that simplify banking operations. The results of this study provide robust support for TAM by highlighting the importance of personal innovativeness, trust, and security in driving user acceptance of digital banking platforms. © 2024, Success Culture Press. All rights reserved.
Universitas Negeri Jakarta, Indonesia; Universitas Teknolgoi MARA, Malaysia; Tashkent State University, Uzbekistan; Cagayan State University, Malaysia; Universitas Islam Syekh Yusuf, Indonesia
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