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Currently the banking sector provides product services in the form of electronic banking for customers, one of which is mobile banking. Mobile banking is a banking service that allows customers to make various financial transactions through mobile devices, such as smartphones or tablets. This study aims to examine the influence of ease of use, security, and reliability on the use of mobile banking among the people of Palopo city. Data was collected using a questionnaire that was distributed online to respondents. This study uses a quantitative method. The sample was taken using the purposive sampling technique with a total of 105 respondents collected. To process the data in this study, the Statistical Package for Social Science (SPSS) program is used. The results of this study show that ease of use, security, and reliability have a significant effect on the use of mobile banking.

The inability of rural banks to adapt to the changing global landscape, particularly owing to globalisation, could also have adverse effects on economically disadvantaged populations. This research aims to examine the dynamics of regulating rural banks in Indonesia, the pressing need for legal reforms in rural banks to address the problems posed by globalisation, and the legal reforms for rural banks that are based on the Values of Pancasila. The study methodology employed is the Normative Juridical approach. The research findings suggest that initially, the licencing and activities of the rural bank required permission from the Minister of Finance. However, after the amendment of Law Number 7 of 1992 concerning Banking with Law Number 10 of 1998, the licence for rural banks is now granted by the leadership of Bank Indonesia, as stated in Article 16 paragraph. Globalisation has a significant impact on community life, leading to the emergence of new requirements. One of these requirements is the need for easier transactions, which can be achieved through the digitalisation of banking or the provision of electronic banking facilities. Consequently, legal reforms for banking institutions need to be implemented, taking into account the noble values of the nation as reflected in the moral principles of Pancasila. These values include morality, respect, protection of human rights without discrimination, unity, social justice in the economic and community sectors, and the realisation of people’s sovereignty and adherence to the law.

This research work investigates cost implication of change in Naira notes on Household and money market operators in Taraba State. The study adopted a survey research design to obtain data about practices, situations, and views through questionnaires. The number of respondents for Households and Money Market Operators is 394 and 338 respectively. The study used a simple multistage and cluster sampling method to select the sample respondents. The study employed a descriptive statistic method; simple percentages and the Chi-square (x2) statistic were used for the computation and analysis of the data collected. The study found a significant increase in general costs of household and money market operators in Taraba State between 2022 and 2023. This policy significantly affected households and money market operators in Taraba State by increasing their general costs. The study recommends that a reasonable timeline be given to the implementation period with strict monitoring and control of commercial banks to erode favoritism and corruption in the process of policy implementation. There should be stability in the maximum cash withdrawal policy from all means: Point of sale (POS), automated teller machines (ATM) over the bank counter, etc., and adequate provisions for electronic banking for rural and urban centers should be made by financial sector administrators. The government should promote ceaseless cash traceability and accountability to keep the new notes as close to the banking system as possible.

Studi ini menyelidiki faktor-faktor yang mempengaruhi adopsi dan penggunaan perbankan elektronik di Batam, Indonesia, mengingat lonjakan global dan regional dalam e-banking. Tujuan utamanya adalah untuk melihat bagaimana kenyamanan, aksesibilitas, penghematan biaya, dan kualitas layanan mempengaruhi adopsi dan penggunaan berkelanjutan dari layanan ini, memberikan wawasan untuk membantu lembaga keuangan dan pembuat kebijakan merumuskan strategi yang lebih mempromosikan adopsi e-banking. Menggunakan metodologi penelitian kuantitatif, menampilkan enam variabel: kegunaan yang dirasakan, norma subjektif, kemudahan penggunaan yang dirasakan, niat untuk menggunakan, teknologi yang dirasakan, dan risiko yang dirasakan. Data, yang dikumpulkan dari 400 peserta melalui survei, menunjukkan bahwa variabel spesifik tidak terpengaruh oleh semua kecuali tiga persepsi kegunaan, teknologi, dan bahaya. Anehnya, ketika datang ke e-banking, norma subjektif memiliki dampak yang jauh lebih kuat pada konsumen daripada kenyamanan penggunaan pada keinginan mereka untuk menggunakan. Untuk penelitian ke depan, pandangan demografis yang lebih jelas dapat diperoleh dengan mempertimbangkan target responden dan memperluas cakupan di luar Kota Batam.