Analysis Factors that Influence the Intention to Use Digital Banks in Indonesia

Technology that has developed rapidly can help humans in their daily activities. Technology is also developing in the banking world, starting with online transactions, and even digital banking, this technology is here to offer several advantages and conveniences for its customers. However, there are several issues that are developing along with the increasing convenience received by users of this technology, starting from phishing and other fraud and awareness of this technology because digital banking is still relatively new technology. The population of this research is Indonesians who have used digital banking with a sample size of 481 samples. The framework used in this research uses Technology Acceptance Model theory which consists of variable factors consisting of Ease of Use (EU), Perceived Usefulness (PE), Security (SC), Perceived Self-efficacy (PS), Awareness of Digital Banking Services (ADB). Apart from that, it also consists of Attitude of Use (AU) and Intention of Use. The Study revealed that between the variable factors consisting of Ease of Use (EU), Perceived of Usefulness (PE), Security (SC), Perceived Self-efficacy (PS), Awareness of Digital Banking Services (ADB) has a positive and significant correlation with Attitude of Use (AU). On the other side, Attitude of Use (AU) also has a significant and positive relationship with Intention of Use (IU).