Determinant Factors of SeaBank Application Success for Digital Payments Using Extended Technology Acceptance Model
Abstract
This study explores the crucial determinants affecting the successful adoption of SeaBank's digital payment application through Extended Technology Acceptance Model (ETAM), incorporating trust as an additional external variable. As one of Indonesia's fastest-growing digital banks, SeaBank provides distinctive features but improve user convenience and support the transition to cashless transaction. Using a quantitative methodology, were gathered from 100 active SeaBank users through an online survey. The relationship between trust, perceived ease of use, perceived usefulness, attitude, and intention to accept e-payment were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) in SmartPLS 4. The analysis substantiates that trust considerably mitigates user concerns regarding data privacy and security. Additionally, both perceived ease of use and perceived usefulness positively shape user attitudes, which subsequently drive the intention to accept e-payment services. This study validates the relevance and suitability of the ETAM framework in the context of digital banking and underscores the necessity of building user trust, ensuring ease of use, and demonstrating clear benefits in platforms such as SeaBank.
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