How to Boost the Penetration of Mobile Banking Micro-Fisheries Enterprises in the Rural Small Islands Region?

Purpose – The objective of the study was to examine and analyze the determine factors of intention to use mobile banking for micro fisheries enterprises in Kei Islands, eastern Indonesia, using technology adoption model (TAM) Methodology – We used purposive sampling and surveyed 320 future users of mobile banking in Kei Islands, eastern Indonesia from August to October 2024. Based on questionnaire validation there were 290 sample that fit to be used. Using PLS-SEM for data analysis. Findings – The study offers valuable insights for the government and banking industry to enhance mobile banking in coastal island fisheries micro-enterprises by improving design effects mobile banking usage because it impacts utility, which is mediated by security and comfort Originality – The outcome of the study recommends for government to improve literacy of micro-enterprises in small islands region and at the same bank industry can make sure to design mobile banking that offer simplicity but also maintain the security and functionality for not micro-enterprises in the region but also as guidance for region with similar socio-economy and geographical characteristic.