Asian Institute of Research, Journal Publication, Journal Academics, Education Journal, Asian Institute
Asian Institute of Research, Journal Publication, Journal Academics, Education Journal, Asian Institute

Economics and Business

Quarterly Reviews

ISSN 2775-9237 (Online)

asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, managemet journal
asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, managemet journal
asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, managemet journal
asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, managemet journal
crossref
doi
open access

Published: 20 May 2022

Perceived Ease of Utilization, Usefulness, Security, and Trust in Mobile Banking

Sherlen Tertia, Anny Nurbasari

Maranatha Christian University, Indonesia

asian institute research, jeb, journal of economics and business, economics journal, accunting journal, business journal, management journal

Download Full-Text Pdf

doi

10.31014/aior.1992.05.02.415

Pages: 76-82

Keywords: Effortless, Mobile Banking, Practicality, Protection, Trust

Abstract

Mobile banking is an internet-based application of banks to serve their customers. With this application, the customers can check their balance on their banking account and transact online with the other parties. Therefore, growing trust in mobile banking becomes essential. Moreover, to reach it, banks need to focus on the determinants. According to previous studies, at least three factors are available: perceived ease of utilization, usefulness, and security. By answering this challenging topic, this study aims to test these determinants of trust statistically. After employing the 106 respondents in Bandung using the mobile banking application as the sample taken by the snowball sampling technique and examining three hypotheses by structural equation model based on partial least square, this research concludes a positive sign exists in these causal associations.

References

  1. Aghdaie, S.F.A., Piraman, A., & Fath, S. (2011). An analysis of factors affecting the consumer's attitude of trust and their impact on internet purchasing behavior. International Journal of Business and Social Science, 2(23), 147-158. http://www.ijbssnet.com/journals/Vol_2_No_23_Special_Issue_December_2011/16.pdf

  2. Al-Sharafi, M.A., Arsha, R.A., Abu-Shanab, E., & Elayah, N. (2016). The effect of security and privacy perceptions on customers' trust to accept internet banking services: An extension of TAM. Journal of Engineering and Applied Sciences, 11(3), 545-552. https://medwelljournals.com/abstract/?doi=jeasci.2016.545.552

  3. Amin, M., Rezaei, S., & Abolghasemi, M. (2014). User satisfaction with mobile websites: the impact of perceived usefulness (PU), perceived ease of use (PEOU), and trust. Nankai Business Review International, 5(3), 258-274. https://doi.org/10.1108/NBRI-01-2014-0005

  4. Damghanian, H. Zarei, A., & Kojuri, M. A. S. (2016). Impact of perceived security on trust, perceived risk, and acceptance of online banking in Iran, Journal of Internet Commerce, 15(3), 214-238. http://dx.doi.org/10.1080/15332861.2016.1191052

  5. Dash, M., Mohanty, A.K., Pattnaik, S., Mohapatra, R. C., & Sahoo, D. S. (2011). Using the TAM to explain how attitudes determine the adoption of internet banking. European Journal of Economics, Finance and Administrative Sciences, 36, 50-59. https://www.researchgate.net/publication/292452161 _Using_the_TAM_model_to_explain_how_attitudes_determine_adoption_of_internet_banking

  6. Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319-339. https://doi.org/10.2307/249008

  7. Flavián, C., & Guinalíu, M. (2006). Consumer trust, perceived security, and privacy policy: Three basic elements of loyalty to a website. Industrial Management & Data Systems, 106(5), 601-620. https://doi.org/10.1108/02635570610666403

  8. Ghozali, I. (2008). Structural Equation Modeling: Alternative Method by Partial Least Square (2 ed.). Semarang: Universitas Diponegoro.

  9. Gu, J.-C., Lee, S.-C., & Suh, Y.-H. (2009). Determinants of behavioral intention to mobile banking. Expert Systems with Applications, 36(9), 11605-11616. https://doi.org/10.1016/j.eswa.2009.03.024

  10. Hartono, J. (2012). Business Research Methodology: Misunderstanding and Experiences (5 ed.). Yogyakarta: Badan Penerbit Fakultas Ekonomi Universitas Gadjah Mada.

  11. Ismail, H.A., & Purwani, T. (2021). Affecting factors of mobile banking utilization. Indicators, 3(2), 151-157. https://indicators.iseisemarang.or.id/index.php/jebis/article/ view/99/94

  12. Ismail, N., Roslan, N. A., Fauzi, N. A. M., & Husin, M. M. (2017). Perceived security and consumer trust in the adoption of fintech service (pp. 650-659). European Proceedings of Social and Behavioral Sciences https://dx.doi.org/10.15405/epsbs.2018.07.02.70

  13. Kolsaker, A. & Payne, C. (2002). Engendering trust in e-commerce: A study of gender-based concerns. Marketing Intelligence & Planning, 20(4), 206-214. https://doi.org/10.1108/02634500210431595

  14. Laukkanen, T. (2007). Internet vs. mobile banking: Comparing customer value perceptions. Business Process Management Journal, 13(6), 788–797. https://doi.org/10.1108/14637150710834550

  15. Malaquias, R. F., & Hwang, Y. (2016). An empirical study on trust in mobile banking: A developing country perspective. Computers in Human Behavior, 54, 453-461. https://doi.org/10.1016/j.chb.2015.08.039

  16. Mutahar, A. M., Daud, N. M., Ramayah, T., Isaac, O., & Aldholay, A. H. (2018). The effect of awareness and perceived risk on the technology acceptance model (TAM): Mobile banking in Yemen. International Journal of Services and Standards, 12(2), 180-204. https://doi.org/10.1504/IJSS.2018.091840

  17. Pandjaitan, D.R. H., MS, M., & Hadianto, B. (2011). Website quality, e-satisfaction, and e-loyalty of users based on the virtual distribution channel. Journal of Distribution Science, 19(7), 113-121. https://doi.org/10.15722/jds.19.7.202107.113

  18. Primananda, R., Setyaning, A. N. A., Hidayat, A., Ekasari, S. R. (2020). The role of trust on perceived usefulness and perceived ease of use toward purchase intention among Yogyakarta’s students. INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia, 3(3), 316-326. https://doi.org/10.31842/jurnalinobis.v3i3.140

  19. Revels, J., Tojib, D., & Tsarenko, Y. (2010). Understanding consumer intention to use mobile services. Australasian Marketing Journal, 18(2), 74-80. https://doi.org/10.1016/ j.intmar.2010.02.006

  20. Roca, C. J., García, J. J.., de la Vega, J. J. (2009). The importance of perceived trust, security, and privacy in online trading systems. Information Management & Computer Security, 17(2), 96-113. https://doi.org/10.1108/09685220910963983

  21. Sugiyono, S. (2010). Research Businees Method (Quantitative, Qualitative, and Research and Development Approaches). Bandung: Alfabeta.

  22. Suryasa, I. W., Prayoga, I. G. P. A., & Werdistira, I. W. A. (2018). Attitudes toward the use of the internet for students. International Journal of Physical Sciences and Engineering, 2(2), 32-38. https://doi.org/https://doi.org/10.29332/ijpse.v2n2.141

  23. Van Esterik-Plasmeijer, P.W.J., & Van Raaij, W. F. (2017). Banking system trust, bank trust, and bank loyalty, International Journal of Bank Marketing, 35(1), 97-111. https://doi.org/10.1108/IJBM-12-2015-0195

  24. Wilson, N., Keni, K., Tan, P. H. P. (2021). The role of perceived usefulness and perceived ease-of-use toward satisfaction and trust influencing computer consumers' loyalty in China. Gadjah Mada International Journal of Business, 23(3), 262-294. https://doi.org/10.22146/gamaijb.32106