Publisher

UBUB

Journal APMBA (Asia Pacific Management and Business Application)APMBA (Asia Pacific Management and Business Application) Abstract

Mobile banking is one of the channels of banking service provided by banking institutions in forms of modern platforms that are fully based on digital technology and displace physical interaction between banks and their customers. For banking industry, mobile banking is more than a service option; it is a strategic plan to facilitate customers changes in behavior. However, the acceptance of such platform by the public, particularly micro entrepreneurs, is still in question. The objective of this research is to identify factors influencing the use of mobile banking based on the perception of micro customers of Bank DKI in Surabaya. The variables used in this study were developed from previous researches that also examined the same matter with adjustment on the characteristics of micro customers. The variables, developed through the theoretical review, were then empirically assessed using SEM-PLS. The data was collected from questionnaires distributed to 266 micro customers who received financing from Bank DKI. The survey discovered that perceived usefulness, perceived ease of use, and social influence are empirically proven to have both direct effects on the use of mobile banking and indirect effects through attitude toward use. Practical implications also discussed in this paper.

Conclusion

Perceived usefulness, ease of use, and social influence directly influence the use of mobile banking among micro‑entrepreneurs.These factors also affect usage indirectly through shaping the users attitudes toward the platform.The findings confirm that enhancing perceived benefits, simplifying the interface, and leveraging social networks are key to promoting mobile banking adoption.

Future Research

1. Lakukan studi kualitatif untuk memahami bagaimana persepsi risiko dan kepercayaan memengaruhi keputusan micro‑entrepreneur menggunakan mobile banking, sehingga dapat merancang strategi mitigasi risiko yang lebih spesifik. 2. Uji efektivitas program pelatihan literasi digital bagi micro‑entrepreneur dan evaluasi pengaruhnya terhadap peningkatan kepercayaan diri dan penggunaan mobile banking dalam jangka panjang. 3. Bandingkan perilaku adopsi mobile banking antara cabang bank swasta dan BUMN di wilayah Surabaya menggunakan model multigruppa, sehingga dapat mengidentifikasi faktor-faktor kontekstual yang memperkuat atau melemahkan adopsi di masing‑masing sektor.

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