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As digital banking services evolve, sustaining user engagement becomes a growing challenge. Augmented Reality (AR) presents new opportunities to enhance user interaction in this domain. This study investigates the impact of AR interfaces on user engagement in digital banking, using a quantitative approach with survey data from 303 users of AR-enabled banking apps. Structural Equation Modeling (SEM) was employed to examine the relationships among usability, perceived usefulness, AR feature usage frequency, satisfaction, and engagement. Results indicate that usability, perceived usefulness, and AR usage frequency significantly influence user engagement, while satisfaction does not have a direct effect. The proposed model accounts for 58.6% of the variance in engagement, emphasizing the value of intuitive and purposeful AR features. These findings support the role of AR as a strategic element in enhancing digital banking experiences and contribute to the intersection of immersive technology and FinTech. Practical implications include prioritizing user-friendly AR designs to strengthen engagement. Future research should consider longitudinal approaches to assess the evolving role of satisfaction in user engagement over time.
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Supriyadi et al. (2025) studied this question.