FINANCIAL LITERACY, BEHAVIORAL INTENTION, AND THE ADOPTION OF MOBILE BANKING USAGE IN JAMBI CITY

Mardiana R; Irfan  Hasandi; Mira  G Pangestu; Effiyaldi; Intan  Nuraini

doi:10.65179/jrb.2026.9196

Authors

Mardiana R Universitas Dinamika Bangsa
Irfan Hasandi Universitas Dinamika Bangsa
Mira G Pangestu Universitas Dinamika Bangsa
Effiyaldi Universitas Dinamika Bangsa
Intan Nuraini Universitas Dinamika Bangsa

DOI:

https://doi.org/10.65179/jrb.2026.9196

Keywords:

Effort Expectancy , Facilitating Conditions, Financial Literacy, Performance Expectancy, Social Influence

Abstract

This study investigated factors that influence the behavioral intention to use mobile banking among users in Jambi City. This study used a quantitative research design and the data were gathered from 392 participants through a structured questionnaire. The analysis, conducted using multiple linear regression, confirmed that performance expectancy, effort expectancy, social influence, facilitating conditions, and financial literacy each have a significant positive impact on the behavioral intention to use mobile banking, both individually and collectively. Research findings show that the adoption of mobile banking is a complex process influenced by a blend of perceived utility, ease of use, social factors, technological support, and the user's financial knowledge. This study contributes to the existing collection of literature on digital financial service adoption by emphasizing the need for financial institutions to develop comprehensive strategies that address both the technological and educational aspects of mobile banking to encourage wider use