Adopt Mobile Banking With Theory of Trying and General Self Confidence

This study discusses someone's intention to adopt new technology in developing countries, specifically mobile banking, based on general self-confidence and theory of trying as indicators. A person's self-confidence influences a person's courage to try mobile banking. There are three possibilities in the theory of trying which allow someone to generate an act towards the adoption of mobile banking and an intention to adopt it, to wit trying then succeeding, trying then learning and trying then failing. This study used primary data collected from 141 respondents who are banking customers. The research sample was taken using the convenience sampling method and processed using SEM-PLS 4.0. The methods used are the outer model test and the inner model test. The results of this study indicate that a person's intention to adopt mobile banking is influenced by their attitudes towards the adoption of mobile banking itself. Attitudes towards mobile banking adoption are also influenced by two possible theories of trying, i.e. trying then succeeding, and trying then learning, and are influenced by general self-confidence, while the possibility of a theory of trying then failing does not affect people's attitudes and intentions towards mobile banking adoption.