The Determinants of Digital Banking Adoption Using TAM 2 Approach in National Private Banks

The rapid development of information technology affects all aspects of life, including the banking sector. The increase in customers using digital banking services correlates with the growing number of banks providing these services. In today's competitive environment, all service providers must offer the best services to meet and satisfy consumer needs. Meeting consumer desires and needs is a skill that must be mastered to compete with other similar service providers, as society requires banking services that deliver the best service. Therefore, research is needed on the interrelated factors to enhance digital banking adoption. Based on research using the TAM 2 method and SEM-PLS model in SmartPLS software, it is known that two factors do not influence each other, namely I -> EOU and SN -> PU. Ten hypotheses that were accepted or had a significant impact include EOU -> IOU, EOU -> PU, I -> PU, IOU -> T, OU -> EOU, OU -> PU, PU -> IOU, RD -> EOU, RD -> PU, SN -> EOU, SN -> IOU, and T -> DBA. The trust factor strengthens the influence between the intention to use variable and digital banking adoption, where this trust factor provides a very high t-statistic result for both factors.