Trust Role in Acceptance of Digital Banking in Indonesia

Abstract

The technology advance creates digital banking as a new technology in banking industry. All banking activities can be solved by one application in smartphone, they do not even provide an offline branch. Many Indonesian customers still use the conventional bank instead of digital banking since it is a new product and technology in bank industry. This paper aims to elaborate the influence of trust in customer acceptance of digital banking technology in Indonesia. The researchers applied quantitative survey with distributed the questionnaires to 500 respondents in conducted the research. The outcome indicates that hedonic motivational factors, habits, and trust have significant results on behavioral intentions to use, meanwhile trust has influence to performance expectancy, effort expectancy and facilitating condition.