Understand TTF by Considering the Trust Factor in Adopting M-Banking

Acceptance of mobile banking technologies was learned through the connection between the user's perception, confidence in the technology, and a fit between the current technologies with mobile banking technology. Theoretical models used are task technology fit model (TTF), unified theory of acceptance and usage of technology model (UTAUT), and the Trust variable. This study used 225 samples and partial least square (PLS) to identify which variable in TTF, UTAUT and TRUST influences in the usage of mobile banking. The result of this research shows the technology characteristics significantly influence the task technology fit. In addition, in TTF variables that significantly influence the user's behaviour intentions are the effort expectancy, performance expectancy, and social influence. As summary, this study's result can be used as a consideration when bank want to implement mobile banking's service.