The Influence of User Interface and Application Security on the Decision to Use Bank A’s Mobile Banking Among University B Students in Jakarta, Indonesia

Abstract

In order to uphold its image as a bank that continually innovates in the extension of its financial services, Bank A, one of Indonesia’s top private banks, uses mobile banking to create possibilities and overcome hurdles. International business management majors are regarded as having thorough knowledge, especially when utilizing digital technology. University B in Indonesia is used as an example for the adoption of technology-based education. By distributing questionnaires via Google forms to 51 students majoring in International Business Management, who are particularly active users of mobile banking, this study uses a quantitative approach to examine the influence of the user interface and application security as two determinant factors that determine the use of mobile banking. Through the analysis of test data using SPSS 26, it has been demonstrated that the user interface and application security have a combined or independent influence on users’ decisions to utilize Bank A University B mobile banking. The distinctiveness of this study is in its ability to draw conclusions based on the choice to use Bank A’s mobile banking among college students who are at the forefront of its use and majors with a deep understanding and high proficiency in its usage.