¹Erliana, ²Fery Citra Febriyanto, ³Linawati

^1,2,3Universitas Pamulang

DOI : https://doi.org/10.58806/ijsshmr.2025.v4i8n11

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ABSTRACT

This research aims to examine the influence of perceived ease of use, trust, and security on the adoption of e-banking services among Universitas Pamulang students. Guided by the Technology Acceptance Model (TAM), the study employs a quantitative approach using primary data obtained from questionnaires distributed to 100 respondents, selected through probability sampling. Multiple linear regression analysis is utilized to test the hypotheses. The results show that, partially, perceived ease of use and trust do not have a significant effect on the adoption of e-banking, while security has a positive and significant effect. Simultaneously, all three variables ease of use, trust, and security significantly influence the adoption of e-banking. These findings highlight that security plays a more decisive role than ease of use or trust in encouraging the adoption of e-banking services among young digital-native users. The study provides valuable insights for banking institutions to strengthen security measures and optimize digital service strategies to increase adoption rates among younger demographics.

KEYWORDS:

e-banking, ease of use, trust, security, Technology Acceptance Model, adoption

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VOlUME 04 ISSUE 08 AUGUST 2025