Toward an Understanding of the Mediating Role of “Trust” in Mobile Banking Service: An Empirical Test of Indonesia Case

Abstract: Mobile banking has been considered to be one of the most value-added and important mobile services currently available. Considering the fact that the penetration of this technology is undefined well, particularly in developing country, this study clarified the role of trust as a mediating variable in mobile banking environment. An empirical study was undertaken in Indonesia and the data of 100 respondents were collected. The empirical results provided strong evidence for the explanatory power of our research model. Firstly, we found that the trust mediated the effects of information quality to perceived usefulness and end-user satisfaction. Second, the both relationships of system quality and perceived usefulness and system quality and end-user satisfaction were partially mediated by trust. Third, trust also showed a direct effect on both end-user satisfaction and perceived usefulness. Lastly, the result provided support of the positive relationship between perceived usefulness and end-user satisfaction. Implication for both practice and further research were also discussed.