The Influence of Perceived Cybersecurity and Digital Financial Literacy on the Intention to Continue using Mobile Banking Among Bank Customers in Indonesia

Muharman Arta and . Yudiyansyah
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Muharman Arta: Widyatama University, Bandung, Indonesia.
. Yudiyansyah: Widyatama University, Bandung, Indonesia.

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Abstract: The rapid growth of digital banking has increased customers' reliance on mobile banking, while continued use depends on both perceived security and users' ability to manage digital financial risks. This study analyses the influence of perceived cybersecurity and digital financial literacy on the intention to continue using mobile banking among bank customers in Indonesia. A quantitative causal design was employed with 468 respondents selected from mobile banking users. Data were collected using a five-point Likert scale measuring perceived cybersecurity, digital financial literacy, and continuance intention. The analysis comprised validity and reliability testing, classical assumption testing, multiple linear regression, t-tests, F-tests, and the coefficient of determination. Perceived cybersecurity had a positive and significant effect on continuance intention (B = 0.484; t = 13.726; p < 0.001). Digital financial literacy also had a positive and significant effect (B = 0.456; t = 12.722; p < 0.001). The simultaneous test showed that both variables significantly influenced continuance intention (F = 306.150; p < 0.001), and the model explained 56.8% of its variation. The findings indicate that continued mobile banking use is associated with users' confidence in system security and their capacity to understand and manage digital financial risks. These results support the importance of combining secure banking systems with practical digital financial competence to sustain mobile banking use.

Date: 2026-09-29
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Published in Journal of Global Economics, Management and Business Research, 2026, 18 (3), pp.422-429

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