Perilaku Adopsi Digital Banking: Bagaimana Persepsi dan Pengetahuan Membentuk Minat Nasabah Menggunakan Aksel Bank Kalsel?
DOI:
https://doi.org/10.54259/manabis.v5i3.8775Keywords:
AKSEL Mobile Banking, Perceived Usefulness, Perceived Ease of Use, User Knowledge, Usage InterestAbstract
The development of AKSEL Mobile Banking services by Bank Kalsel represents a response to the rapid digital transformation within the banking industry while serving as a strategic initiative to expand transaction accessibility and enhance the quality of customer services. However, the adoption rate of this service remains below expectations, making it essential to identify the factors influencing customers' intention to use the platform. This study aims to examine the effects of perceived usefulness, perceived ease of use, and knowledge on customers' intention to use AKSEL Mobile Banking. A quantitative approach with a cross-sectional research design was employed, involving 90 Bank Kalsel customers in the Banjarmasin area selected through purposive sampling. Multiple linear regression analysis revealed that all three independent variables positively influenced customers' intention to use AKSEL Mobile Banking, with perceived ease of use emerging as the most significant determinant. These findings suggest that sustainable adoption strategies should prioritize simplifying the application's user interface, strengthening digital literacy programs, and providing responsive technical support to improve customer engagement and encourage continued use of the service.
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