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Factors Influencing E-Banking Adoption in Rural Communities: A Case Study of Batang Kuis

*Irgi Prayogo  -  Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara , Jl. IAIN No.1, Gaharu, Kec. Medan Tim., Kota Medan, Sumatera Utara 20235| Universitas Islam Negeri Sumatera Utara, Indonesia
Sugianto Sugianto  -  Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara , Jl. IAIN No.1, Gaharu, Kec. Medan Tim., Kota Medan, Sumatera Utara 20235| Universitas Islam Negeri Sumatera Utara, Indonesia
Nur ahmadi bi rahmani  -  Universitas IsIam negeri Sumatra Utara, Indonesia
Received: 5 Jan 2025; Revised: 4 Apr 2025; Accepted: 2 May 2025; Published: 6 May 2025.
Open Access Copyright 2025 Irgi Prayogo, Sugianto Sugianto

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Abstract
Banking adoption in rural communities, specifically in the Batang Kuis area. The results of data analysis indicate that perceived profit and security are the dominant factors encouraging e-banking adoption among the rural community in Batang Kuis. This research contributes to the existing literature by aligning with Utility Theory and TAM Theory , which posits that perceived benefits and actual benefits are key drivers of individual technology adoption. Based on these findings, this study recommends improving security measures, enhancing financial literacy through education programs, and improving infrastructure in rural areas to foster greater e-banking adoption. This necessitates collaboration between financial institutions and government agencies. However, this research has limitations, including a limited sample size and a restricted scope of variables. Future research could expand the sample and incorporate a wider range of variables for a more comprehensive understanding of e-banking adoption in rural settings.

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Keywords: E-banking adoption; rural communities; financial literacy; Infrastructure; security; benefits; financial policies

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