The implementation of electronic toll collections brings many benefits for highway by reducing queuing. As a matter of fact, the number of toll road customers in Indonesia who used electronic cards for toll payment is very low. It is argued that behaviours in using electronic card for toll payment have a strong relation with personal behaviours and attitudes of customers of commercial banks. In order to investigate the reason behind the behaviour of electronic card usage, this study aims to investigate the influence of personal banking behaviour on the usage of the electronic card for toll road payment. To test the hypothesis that personal banking behaviour shapes the adaptability and level of usage of electronic card to pay the toll, a set of sample, originated from 29 toll roads in Indonesia, has been analysed. Not just personal characteristics, this study collected personal banking behaviour. This study found that toll road customers show a higher preference to use cash transactions instead of electronic payment. The customers were not homogenous in the characteristics of personal banking behaviours. It was found that personal banking behaviours have a significant impact on the adaptability of electronic card usage. The respondents perceived that there were no significant benefits to use electronic card in the toll road system, since there was a lack of connection with respondents’ daily financial behaviours. This study reveals the importance of integrated cards, which connect transport and non-transport, to reduce the burden of using different kinds of electronic cards.
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