Factors Affecting the Intention to Use Digital Banking Services: Case Study on Generation X in Greater Jakarta

This study analyses the impact of perceived usefulness, perceived ease of use, risk perception, attitudes, subjective norm, and behavioral control on the intention of Generation X individuals in Greater Jakarta, Indonesia, to utilize digital banking services. This study examines key factors that effects intention to use digital banking services among Generation X in Indonesia. A quantitative survey was conducted using Google Forms with a convenience sampling method. The data collected was processed using SmartPLS to implement the SEM-PLS approach. The findings reveal that Generation X’s intention to use digital banking services is strongly influenced by their perceived usefulness, attitude, subjective norm, and behavioral control. Furthermore, the study concludes factors such as perceived ease of use and risk perception statistically have no significant impact towards Generation X’s intention to use digital banking services. This study highlights the essential concerns that need to be prioritized in promoting digital banking services to Generation X specifically in Greater Jakarta, Indonesia.