Hafizah Omar Zaki

Type of the article: Research Article

Abstract
The rapid expansion of digital banking services has increased concerns regarding excessive and uncontrolled user behavior, particularly impulsive and compulsive usage patterns. This study aims to examine the effect of perceived ease of use (PEU) and perceived usefulness (PU) on compulsive digital banking behavior, with impulsive usage (IU) as a mediating mechanism. A quantitative approach was employed using a survey of 348 active users of digital banking applications, specifically Bank Jago and Allo Bank, selected through purposive sampling based on their experience in digital financial transactions. Data were collected online between April and June 2025 to reflect current digital banking behavior. The results show that PEU (β = 0.511, p < 0.001) and PU (β = 0.523, p < 0.001) significantly influence impulsive usage. Furthermore, PEU (β = 0.187, p < 0.001) and PU (β = 0.511, p < 0.001) have significant direct effects on compulsive usage, while impulsive usage also has a positive but relatively small effect on compulsive usage (β = 0.140, p = 0.021). These findings indicate that perceived usefulness plays a more dominant role in driving compulsive behavior compared to perceived ease of use. The study highlights that while digital banking systems enhance efficiency and user engagement, they may also increase behavioral intensity and potential risks related to excessive usage. Therefore, digital banking providers should integrate system performance with responsible design strategies, such as behavioral control mechanisms, to support sustainable financial behavior.

Acknowledgment
The authors would like to express their sincere gratitude to Universitas Pendidikan Indonesia and Universiti Kebangsaan Malaysia for the academic support and facilities provided during the course of this research. We also extend our appreciation to all respondents who participated in the survey and contributed valuable insights. Finally, we acknowledge the constructive feedback from colleagues and reviewers, which greatly helped in improving the quality of this paper.