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Trust and perception of benefits as the determinants of behavior and intention to use internet banking in Indonesia

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  • Endang Siti Astuti
  • Mochammad Al Musadieq
  • Hamidah Nayati Utami

Abstract

This study is to examine the effect of trust on perceptions of ease of use, as well as its impact on attitudes and interests in using internet banking. This research employed a survey method, where samples were selected from a population. This research took place in national banking institution in East Java. The population of this study were individuals who made transactions using internet banking of Bank BCA, Mandiri, BNI, BII and Bank CIMB Niaga in East Java. This research confirms the suitability of TPB and TAM as appropriate models in explaining individual attitude in adopting internet banking.

Suggested Citation

  • Endang Siti Astuti & Mochammad Al Musadieq & Hamidah Nayati Utami, 2025. "Trust and perception of benefits as the determinants of behavior and intention to use internet banking in Indonesia," Macroeconomics and Finance in Emerging Market Economies, Taylor & Francis Journals, vol. 18(2), pages 301-318, May.
    • Handle: RePEc:taf:macfem:v:18:y:2025:i:2:p:301-318
    DOI: 10.1080/17520843.2021.2009635
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