Millennials Behavioral Intention in Using Mobile Banking: Integrating Perceived Risk and Trust into TAM (A Survey in Jawa Barat)
- DOI
- 10.2991/aebmr.k.210522.028How to use a DOI?
- Keywords
- mobile banking, TAM, perceived risk, trust, attitude, intention
- Abstract
To analyze the major factors influencing user acceptance in using mobile banking, this current study integrates the Technology Acceptance Model (TAM) model with risk (privacy, financial, security, and time risk), trust, and attitude constructs. This research employed a quantitative approach through an online survey and distributed it through Line, Twitter, WhatsApp, and Instagram. The questionnaire consisted of 46 questions and 400 valid responses received. Structural Equation Modeling (SEM) was applied to examine the prescient behavior of the proposed components of the research model. All constructs passed the validity and reliability test. Results reveal that risk influences usefulness and ease of use impacts on usefulness. Furthermore, usefulness influences attitude, and usefulness and attitude influence the intention to use mobile banking. Surprisingly, it is found that trust did not influence attitude, and trust and ease of use did not impact on the usage intention mobile banking. Mobile banking related issues are yet to be examined empirically in millennials users, especially in West Java. This research was developed by extending the TAM model with perceived risk with 4 sub-dimensions and trust to reveal the need of acquring mobile banking.
- Copyright
- © 2021, the Authors. Published by Atlantis Press.
- Open Access
- This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).
Cite this article
TY - CONF AU - Suresh Kumar AU - Angela Leonie Keyko Yukita PY - 2021 DA - 2021/05/25 TI - Millennials Behavioral Intention in Using Mobile Banking: Integrating Perceived Risk and Trust into TAM (A Survey in Jawa Barat) BT - Proceedings of the International Conference on Business and Engineering Management (ICONBEM 2021) PB - Atlantis Press SP - 210 EP - 217 SN - 2352-5428 UR - https://doi.org/10.2991/aebmr.k.210522.028 DO - 10.2991/aebmr.k.210522.028 ID - Kumar2021 ER -