Examining Risk and Trust in Student Mobile Banking Adoption: An
Extended Technology Acceptance Model Perspective
Dublin Core
Title
Examining Risk and Trust in Student Mobile Banking Adoption: An
Extended Technology Acceptance Model Perspective
Extended Technology Acceptance Model Perspective
Subject
Trust, Compatibility, Satisfaction, Perceived Risk, Risk Acceptance, Mobile Banking, Technology Acceptance Model, Student Adoption
Description
This study examines the influence of trust, compatibility, satisfaction, perceived risk, and risk acceptance on students’ intention to use mobile
banking applications. As mobile banking becomes increasingly popular for its convenience and efficiency, especially among tech-savvy youth,
understanding the behavioral factors influencing adoption is crucial. Utilizing an extended Technology Acceptance Model (TAM), this study
employs a quantitative approach with multiple linear regression analysis. The dataset, comprising responses from 219 Indonesian university
students, was drawn from the "cogent_adoption_m_banking_pls" survey. The results reveal that satisfaction, compatibility, and trust significantly
influence students’ intention to use mobile banking, while perceived risk and risk acceptance do not show a significant effect. The model explains
approximately 57% of the variance in adoption intention (R² = 0.570), indicating substantial explanatory power. These findings offer valuable
insights for mobile banking developers and financial institutions to enhance user satisfaction, align services with user lifestyles, and strengthen
trust—key factors for increasing adoption among student users.
banking applications. As mobile banking becomes increasingly popular for its convenience and efficiency, especially among tech-savvy youth,
understanding the behavioral factors influencing adoption is crucial. Utilizing an extended Technology Acceptance Model (TAM), this study
employs a quantitative approach with multiple linear regression analysis. The dataset, comprising responses from 219 Indonesian university
students, was drawn from the "cogent_adoption_m_banking_pls" survey. The results reveal that satisfaction, compatibility, and trust significantly
influence students’ intention to use mobile banking, while perceived risk and risk acceptance do not show a significant effect. The model explains
approximately 57% of the variance in adoption intention (R² = 0.570), indicating substantial explanatory power. These findings offer valuable
insights for mobile banking developers and financial institutions to enhance user satisfaction, align services with user lifestyles, and strengthen
trust—key factors for increasing adoption among student users.
Creator
Felinda Aprilia Rahma1,*, Siti Zayyana Ulfah2
Source
https://ijiis.org/index.php/IJIIS/article/view/261/163
Publisher
Universitas Pendidikan Indonesia
Date
march 2025
Contributor
Fajar bagus W
Format
PDF
Language
English
Type
Text
Files
Collection
Citation
Felinda Aprilia Rahma1,*, Siti Zayyana Ulfah2, “Examining Risk and Trust in Student Mobile Banking Adoption: An
Extended Technology Acceptance Model Perspective,” Repository Horizon University Indonesia, accessed January 1, 2026, https://repository.horizon.ac.id/items/show/9731.
Extended Technology Acceptance Model Perspective,” Repository Horizon University Indonesia, accessed January 1, 2026, https://repository.horizon.ac.id/items/show/9731.