INDIVIDUAL INTEREST IN MOBILE BANKING USE: A MODIFIED TECHNOLOGY ACCEPTANCE MODEL APPROACH

Abstract

This study aims to determine the influence of perceived usefulness, perceived ease of use, trust, risk, and attitude on individual interest in using mobile banking. This study is an extension of previous research that used a modified Technology Acceptance Model (TAM) approach. The type of research used is explanatory research. The data collection method used was a survey method by distributing 400 questionnaires. The respondents in this study were students of the Faculty of Economics and Business, Brawijaya University, who used mobile banking facilities. A total of 365 questionnaires were returned, which were then processed using IBM SPSS ver. 24 through multiple linear regression analysis and hypothesis testing. The results of this study indicate that the variables of perceived usefulness, perceived ease of use, trust, and risk influence individuals' attitudes toward using mobile banking. Attitude influences individuals' interest in using mobile banking.