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September 10, 2025Jurnal Locus Penelitian dan PengabdianOpen Access

Click, Trust and Stay: What Keeps Indonesians Using Digital-Only Banking?

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Authors

DADian AmbarwatiSWSatrya WidjayaBinus UniversityMTMiranda TanjungBinus University

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Implication

This analysis explores trust and perceived risk affecting user satisfaction in digital banking.

Key Points

  • User satisfaction significantly impacts attitudes toward digital banking services, enhancing continuance intention.
  • Confirmation and perceived ease of use are key influences on perceived usefulness, with significant implications for user experience.
  • Partial Least Squares Structural Equation Modeling tested eight hypotheses based on constructs from established models, revealing intricacies in user behavior.
  • Insights from this research recommend digital banks focus on functional value rather than just building trust or reducing perceived risks.

Cite This Study

Ambarwati et al. (2025) studied this question.

synapsesocial.com/papers/68c23bd7b210217d647872d3https://doi.org/10.58344/locus.v4i8.4733
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Understanding the Key Drivers Behind User Selection of Digital Banks2025
  2. 2Post-adoption behavior analysis: An empirical study of the expectation confirmation model on sharia mobile banking in Indonesia2025 · 1 citations
  3. 3Analysis of Consumer Preferences in Digital Payment: Integration of TAM and TPB Model to Enhance Technology Adoption2025
  4. 4Continuance Intention of Jenius Digital Bank Users in Surabaya: A UTAUT Approach with Experience as a Moderator2025
  5. 5Factors Influencing the Intention to Use Digital Banking Services among Consumers in Perak, Malaysia2025