Analysis and Evaluation of User Interest Factors on Intention to Use Digital Bank

Everything is now digital, and technology is becoming more advanced. For example, during the COVID-19 pandemic, people used cashless payments more frequently for all transactions. This makes digital banks significantly attractive and gives their customers a unique experience. This is because customers who use digital banks are able to use all banking services via a mobile device. Therefore, users can access digital banking services from anywhere. This research was conducted to determine public interest in using digital banks in Indonesia. This research uses quantitative methods on data from questionnaires from 205 respondents who are digital bank users in Indonesia collected through distributing questionnaires through social media. This research was conducted to find out what can raise user interest in using a digital bank. This study examines the relationship between 6 variables with intention to use digital banks: Trust, Perceived Ease of Use, Social Influence, Satisfaction, Curiosity and Reward. The results obtained are that all variables have an effect except Trust and Social Influence.