• ISSN: 2010-023X (Print)
    • Abbreviated Title: Int. J. Trade, Economics and Financ.
    • Frequency: Bimonthly
    • DOI: 10.18178/IJTEF
    • Editor-in-Chief: Prof.Tung-Zong (Donald) Chang
    • Executive Editor: Ms. Cherry L. Chen
    • Abstracting/ Indexing:  ProQuest, Crossref, Electronic Journals Library , EBSCO, and Ulrich's Periodicals Directory
    • E-mail: ijtef@ejournal.net
IJTEF 2020 Vol.11(1): 13-18 ISSN: 2010-023X
DOI: 10.18178/ijtef.2020.11.1.659

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Trust Role in Acceptance of Digital Banking in Indonesia

Nurrani Kusumawati and Azzahra Almadelia Rinaldi
Abstract—The technology advance creates digital banking as a new technology in banking industry. All banking activities can be solved by one application in smartphone, they do not even provide an offline branch. Many Indonesian customers still use the conventional bank instead of digital banking since it is a new product and technology in bank industry. This paper aims to elaborate the influence of trust in customer acceptance of digital banking technology in Indonesia. The researchers applied quantitative survey with distributed the questionnaires to 500 respondents in conducted the research. The outcome indicates that hedonic motivational factors, habits, and trust have significant results on behavioral intentions to use, meanwhile trust has influence to performance expectancy, effort expectancy and facilitating condition.

Index Terms—Digital banking, customer acceptance, Indonesia, trust, PLS–SEM.

Nurrani Kusumawati and Azzahra Almadelia Rinaldi are with Institut Teknologi Bandung, School of Business and Management. Ganesa 10, Bandung, Indonesia (e-mail: nurrani.k@sbm-itb.ac.id, azzahra.almadelia@sbm-itb.ac.id).


Cite: Nurrani Kusumawati and Azzahra Almadelia Rinaldi, "Trust Role in Acceptance of Digital Banking in Indonesia," International Journal of Trade, Economics and Finance vol.11, no.1, pp. 13-18, 2020.

Copyright © 2020 by the authors. This is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited (CC BY 4.0).


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