The Effect of Security and Trust on Intention to Use Mobile Banking: An Empirical Study on Digital Generation in Pontianak City

Imam Sugiharto; Septian Tunijah Faradila; Ferdy Albethstian Alonso; Beriandi; Wanty Eka Jayanti

doi:10.55537/cosie.v5i1.1488

Authors

Imam Sugiharto Universitas Bina Sarana Informatika
Septian Tunijah Faradila Universitas Bina Sarana Informatika
Ferdy Albethstian Alonso Universitas Bina Sarana Informatika
Beriandi Universitas Bina Sarana Informatika
Wanty Eka Jayanti Universitas Bina Sarana Informatika

DOI:

https://doi.org/10.55537/cosie.v5i1.1488

Keywords:

Keamanan, Kepercayaan, Niat Menggunakan, Mobile Banking, Pontianak

Abstract

This study empirically investigates the impact of system security and trust on mobile banking usage intention among Digital Generation in Pontianak City. Quantitative data were collected from 111 respondents utilizing a purposive sampling approach. The methodology was validated by fulfilling statistical power criteria, establishing asymptotic normality via the Central Limit Theorem (CLT), and mitigating common method bias. Multiple linear regression analysis reveals that system security independently does not exert a significant effect. For digital natives, technical protection has transitioned from a value-added motivator to a mere hygiene factor (default expectation). Conversely, perceived trust exerts a highly significant positive influence, emerging as the dominant determinant of technological adoption driven by social proof. Simultaneously, both predictors account for 74.4% of the variance in behavioral intention, devoid of any overfitting indications. Despite generalizability limitations concerning the purposive sampling method, this research robustly offers strategic implications for the banking industry, advocating a paradigm shift toward fostering emotional branding and optimizing User Experience (UX)

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