Abstract

This study examines how digital quality influences financial inclusion among users of BRImo, a mobile banking application provided by Bank Rakyat Indonesia, with connectivity introduced as a moderating variable. The research is grounded in three theoretical pillars Technology Acceptance Model, Digital Financial Inclusion Theory, and Digital Divide Theory to explain how digital service performance and digital infrastructure interact in shaping financial inclusion outcomes in geographically constrained regions. Using a sample of 150 BRImo users living in coastal districts of Sumenep, this study employs Partial Least Squares. Structural Equation Modeling (PLS-SEM) for empirical analysis. The findings reveal that digital quality significantly enhances financial inclusion, while connectivity alone does not show a direct effect. However, connectivity significantly strengthens the relationship between digital quality and financial inclusion, demonstrating that the positive impact of well-designed digital services depends heavily on network stability. This study provides new insights into digital banking adoption in underserved coastal communities and highlights the crucial role of infrastructure readiness in maximizing the effectiveness of mobile financial services.