Perceived Ease of Use and Perceived Usefulness of Intentions to Use Digital Banks and the Role of Trust as a Mediation Variable Misbahul Anwar (a*), Widji Astuti (a), Pudjo Sugito (a)
a. Doctoral Study Program in Economics, Merdeka University Malang
Jl. Dieng Grand Canal No. 59 Malang, 65146
* misbahulanwar[at]yahoo.com
Abstract
This research aims to analyze the tendency of banking customers to use digital banking services using the Technology Acceptance Model (TAM) theoretical approach by including the trust variable as a mediator in the relationship between perceived ease of use and perceived usefulness of using digital banking services on intentions to use digital banking services and the research location, in the Special Region of Yogyakarta. This research^s type and source of data is quantitative data with primary data. The data collection technique in this research uses a survey method by distributing questionnaires. By using the Structural Equation Model (SEM) analysis tool and using sample data of 208 respondents, the findings are that the perception of ease of using digital banking services has a significant influence on trust in these services for users, the perception of the usefulness of using digital banking services does not have a significant influence on trust. Digital banking services, user trust in digital banking services has a significant effect on intention to use digital banking services, perceived ease of use digital banking services has no significant effect on intention to use digital banking services, perceived usefulness of digital banking services has a significant effect on intention to use digital banking services, trust in digital banking services mediates the influence of perceived ease of using digital banking services on intention to use digital banking services and trust in digital banking services does not mediate the influence of perceived usefulness of digital banking services on intention to use digital banking services.
Keywords: Perceived Ease of Use, Perceived Usefulness, Trust, Intention to Use, Digital Bank
Topic: Digital Economic Transformations Post Covid-19 Pandemic
