EAS Publisher | The Determining Factors Affecting Digital Banking Adoption in City of Banda Aceh, Indonesia

The Determining Factors Affecting Digital Banking Adoption in City of Banda Aceh, Indonesia

DOI : https://doi.org/10.36349/easjebm.2020.v03i07.003

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Banking industry is changing rapidly. With the development of international economy and competitive markets, also banks are affected, the main force in this environment is technological that case to break barrier of legal, geographic and industry and has create new products and services. The primary purpose of this research is to investigate the influence of trust, security, and perceived risk on digital banking adoption in Banda Aceh.The data used in this study is the primary data by spreading the online questionnaire by google form. The population in this study were the customers who used digital banking in Banda Aceh. Purposive Sampling had been used for sampling technique in this study. The amount of questionnaires that had been analyzed were 103 questionnaires. The testing of the influences of independent variables toward dependent variables was done by using multiple regressions model with SPSS (Statistical Package for Social Science). The results of this research showed that both trust and security have positively effect on digital banking adoption. Otherwise perceived risk has negatively effect on digital banking adoption.

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