Determining Interest in Using Mobile Banking Applications in the Greater Jakarta

Abstract

This study aimed to analyze the influence of perceived usefulness, service features, security, and trust on the interest in using mobile banking (e-banking) applications in the Greater Jakarta area. Additionally, it identified the most dominant variable influencing the interest in using the applications. The focus of the investigation was on mobile banking applications offered by BCA and BNI. The method further included the collection of primary data and conducting various tests such as validity, reliability, normality, heteroscedasticity, and multicollinearity testing. Multiple linear regression, determination coefficient, f-test, and t-test were also used with questionnaire instruments. The validated data were obtained from 100 respondents selected through a non-probability survey, specifically using a purposive sampling method. The results showed that perceived usefulness, service features, security, and trust all influenced the interest in using mobile banking in Greater Jakarta. Based on the t-test results and standardized coefficient beta analysis, perceived usefulness evolved as the most dominant variable.