The Effect of Perceived Ease of Use and Perceived Usefulness on Intention to Use Mobile Banking Apps

Authors

  • Andriya Risdwiyanto Universitas Proklamasi 45
  • Bambang Irjanto Universitas Proklamasi 45

DOI:

https://doi.org/10.58812/wsist.v4i01.2776

Keywords:

Mobile Banking, Perceived Ease of Use, Perceived Usefulness, Intention to Use, Indonesia

Abstract

This study examines the influence of perceived ease of use (PEOU) and perceived usefulness (PU) on the intention to use mobile banking apps in Indonesia. A total of 175 participants were surveyed, and the data were analyzed using SPSS version 25. The results indicate that both PEOU and PU significantly affect users' intention to use mobile banking apps, with perceived usefulness showing the strongest influence. Perceived ease of use also plays a significant role, though to a lesser extent. The findings suggest that enhancing both the usability and usefulness of mobile banking apps can drive higher adoption rates. This study contributes valuable insights for mobile banking developers and financial institutions aiming to improve user engagement and increase mobile banking adoption in Indonesia.

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Published

2026-04-30

Issue

Vol. 4 No. 01 (2026): West Science Information System and Technology

Section

Articles

License

Copyright (c) 2026 Andriya Risdwiyanto, Bambang Irjanto

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

How to Cite

The Effect of Perceived Ease of Use and Perceived Usefulness on Intention to Use Mobile Banking Apps (A. Risdwiyanto & B. Irjanto, Trans.). (2026). West Science Information System and Technology, 4(01), 1-9. https://doi.org/10.58812/wsist.v4i01.2776