Enhancing Mobile Banking Adoption: The Role of Privacy, Social Influence, and Trust in Supporting Digital Entrepreneurship and Business Innovation

Authors

  • Renaldi Theodorus Hijaya Bina Nusantara University
  • Leni Susanti Bina Nusantara University
  • Doni Morika Bina Nusantara University
  • Satrio Matin Utomo Bina Nusantara University
  • Indriana Bina Nusantara University
  • Doni Purnama Alamsyah Bina Nusantara University

Keywords:

Mobile Banking Adoption, Electronic Trust, Perceived Privacy, Digital Entrepreneurship

Abstract

The rapid development of digital services has increased the use of mobile banking, yet concerns over data privacy, security, and user trust remain major obstacles to its broader adoption. This paper aims to analyze the influence of perceived privacy, social influence, and electronic trust on users’ behavioral intention and perceived security in the context of mobile banking. Using a quantitative survey method, data were collected from 245 mobile banking users in Bandung, Indonesia, and analyzed using the PLS Algorithm and Bootstrapping procedure with SmartPLS. The results show that perceived privacy and social influence significantly affect perceived security, which in turn positively influences both electronic trust and behavioral intention. These findings provide valuable insights for improving mobile banking platforms by emphasizing privacy protection, social validation, and user-centered security measures. From an entrepreneurial and business perspective, this research highlights the strategic importance of building trust and security in digital financial services to support customer retention and digital engagement. For fintech startups and banking institutions, understanding these behavioral drivers can inform the development of innovative, secure, and user-friendly mobile banking solutions that enhance competitiveness, foster customer loyalty, and contribute to the growth of the digital economy.

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Published

2025-07-14

Issue

APSKI ICE Vol 03, Ed 01 (2025)

Section

Articles

License

Copyright (c) 2025 APSKI International Conference on Association of Indonesian Entrepreneurship Study Programs

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