Minat Nasabah Dalam Menggunakan Layanan Mobile Banking
DOI:
https://doi.org/10.32815/jitika.v12i1.227Kata Kunci:
mobile banking, minat, penerimaan, penggunaan teknologiAbstrak
Mobile banking is one of the e-banking services that provided by Bank which can facilitate all of the users to make transactions whenever and wherever for 24 hours and it can be accessed via smartphone. The purpose of this research is to determine the factors that influence of individual intention in using BRI’s mobile banking services. These factors are Facilitating Conditions, Performance Expectancy, Social Influence, Effort Expetancy, Perceived Credibility, Perceived Financial Cost, Perceived Self Efficacy. The research model used in this research is UTAUT (Unified Theory of Acceptance and Use of Tehcnology). The collection of data was obtained by distributing questionnaires to 120 respondents using BRI's mobile banking services. The sampling technique used in this research is simple random sampling and for data processing using descriptive statistics to know the distribution and concentration of respondent's answer also using Kendal Tau (t) Correlation Test. The results of this research showed that individual intention in using BRI's mobile banking services influenced by Perceived Financial Costs, Facilitating Conditions, Performance Expectations, Perceived Self efficacy to Effort Expectancy, Perceived Self Efficacy, Social Influence, Effort Expectancy.
Unduhan
Referensi
Alalwan, A. A, Dwivedi, Y.K, &Rana, N.P. 2017. Factors Influencing Adoption of Mobile Banking by Jordanian Bank customers:Extending UTAUT2 with trust. International Journal of Information Management, 37(3),99-110.
Arahita, Ceva Lavenja,& Hatammimi, Jurry. 2015.Factors Affecting the Intention to Reuse Mobile Banking Services.International Journal of Research in Business and Social Sciences,4(4), 15-23.
Azwar, Saifuddin. 2012. Penyusunan Skala Psikologi. Yogyakarta:Pustaka Belajar.
Bandura, Albert. 1977. Social Learning Theory. Englewood Cliffs, New Jersey:Prentice Hall..
Davis, F. D, Bagozzi, R.P, &Warshaw, P.R. 1992. Extrinsic and Intrinsic Motivation to Use Computers in the Workplace. Journal of Applied Social Psychology,22(14),1111-1132.
Davis, F. D. 1989. Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly,13(3),319-339.
Fishbein, M, & Ajzen, I. 1975. Belief, Attitude, Intention, And Behavior: An Introduction to Theory and Research., Reading, MA:Addison-Wesley.
Ghalandari, Kamal. 2012. The Effect of Performance Expectancy, Effort Expectancy, Social Influence and Facilitating Conditions on Acceptance of E-Banking Services in Iran: the Moderating Role of Age and Gender. Journal of Scientific Research,12(6),801-807.
Ghozali, Imam. 2016. Aplikasi Analisis Multivariate Dengan Program IBM SPSS 23. Semarang: Badan Penerbit Universitas Diponegoro.
Hair, J.F, Black, W.C, Babin, B.J&Anderson, R.E. 2010. Multivarite Data Analysis. Seventh Edition.Pearson Prentice Hall.
Heri,Retnawati. 2016. Analisis Kuantitatif Instrumen Penelitian. Yogyakarta:Parama Publishing.
Hoque, Rakibul, &Sorwar, Golam. 2017. Understanding factors influencing the adoption of mHealth by the elderly: An extension of the UTAUT model. International Journal of Medical Informatics, 101, 75-84.
Hsieh, H.L, Kuo, Y.M, Wang, S.R, Chuang, B.K, &Tsai, C.H. 2017. A Study of Personal Health Record User’s Behavioral Model Based on the PMT and UTAUT Integrative Perspective. InternationalJournal of Environmental Research and Public Health, 14(8), 1-14.
Jeong, Bong-Keun,&Yoon, Tom E. 2013. An Empirical Investigation on Consumer Acceptance of Mobile Banking Services. Journal Business and Management Research,2(1),31-40.
Kazi, A. K,&Mannan, M.A. 2013. Factors affecting adoption of mobile banking in Pakistan: Empirical Evidence. International Journal of Research in Business and Social Science, 2(3),54-61.
Kusuma, Hendra 2015. Transaksi Mobile Banking BRI Tembus Rp62 Triliun. https://economy.okezone.com/read/2015/10/28/457/1239372/transaksi-mobile-banking-bri-tembus-rp62-triliun. Diakses pada 30 Desember 2017.
Kohnke, A, Cole, M.L&Bush, R. 2014. Incorporating UTAUT Predictors for Understanding Home Care Patients and Clinician's Acceptance of Healthcare Telemedicine Equipment. Journal of Technology Management & Innovation,9(2),29-41.
Muhayiddin, M. N, Ahmed, E.M, &Ismail, H. 2011. Consumer Acceptance of an Electronic Dinar Payment System in Malaysia.Journal of Electronic Banking Systems, 1-13.
Morosan, C, &DeFranco, A. 2016. It's about time:Revisiting UTAUT2 to examine consumer's intention to use NFC mobile payments in hotels. International Journal of Hospitality Management, 53,17-29.
Rogers, E. M& John, F.C. 1960. Social Change In Rural Society: A Textbook in Rural Sociology. Literary Licensing.
Sandy, Kunthi Fahmar. 2015. Pengguna Mobile Banking Melebihi Target. https://ekbis.sindonews.com/read/1060558/178/pengguna-mobile-banking-bri-melebihi-target-1447199332.Diakses pada 30 Desember 2017.
Santoso, Singgih. 2012. Panduan Lengkap SPSS Versi 20. Jakarta: PT Elex Media Komputindo.
Siegel, Sidney. 1988. Statistik Nonparametrik Untuk Ilmu-Ilmu Sosial. Jakarta: Gramedia.
Sekaran, Uma. 2003. Research Methods for Business: A Skill Building ApproachFourth Edition.New York:John Wiley and Sons, Inc.
Sugiyono. 2007. Statistika Untuk Penelitian.Bandung:Alfabeta.
Sugiyono. 2017. Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung:Alfabeta.
Sripalawat, Jiraporn, Thongmak, Mathupayas & Ngramyarn,Atcharawan. 2011. M-Banking in Metropolitan Bangkok And A Comparison With Other Countries. The Journal of Computer Information System,51(3),67-76.
Taylor, S&Todd, P. 1995. Assesing IT Usage: The Role of Prior Experience. MIS Quarterly, 19(4) 561-570.
Thompson, R. L, Higgins, C.A, &Howell, J.M. 1991. Personal Computing Toward a Conceptual Model of Utilization. MIS Quarterly,15(1),125-143.
Vanneste, Dik, Vermeulen, Bram&Declerq, Anja. 2013. Healthcare professionals’ acceptance of BelRAI, a web-based system enabling person-centred recording and data sharing across care settings with interRAI instruments: a UTAUT analysis.BMC Medical Informatics and Decision Making, 13:129.
Venkatesh, V,Morris, M.G, Davis, G.B, & Davis, F. D. 2003. User Acceptance of Information Technology:Toward a Unified View.MIS Quarterly, 27(3),425-478.
Wiyono, Gendro. 2011. Merancang Penelitian Bisnis dengan alat analisis SPSS 17.0 & SmartPLS 2.0 Yogyakarta:UPP STIM YKPN.
Yang, Wan-Chi. 2011. Applying Content Validity Coefficient and Homogeneity Reability Coefficient to Investigate the Experimental Marketing Scale for Leisure Farms. Journal of Global Business Management, 7,1, 1-8.
Yu, C. S. 2012. Factors Affecting Individuals To Adopt Mobile Banking: Empirical Evidence From The UTAUT Model. Journal of Electronic Commerce Research, 13(2),104-121.
Unduhan
Diterbitkan
Terbitan
Bagian
Lisensi
Penulis mengirimkan naskah dan pengertian bahwa jika diterima untuk proses dipublikasi, hak cipta dari artikel tersebut akan diberikan kepada jurnal ilmiah teknologi informasi asia. Jurnal ilmiah teknologi informasi asia dan Lp2m Stmik Asia Malang sebagai penerbit jurnal, komponen Hak cipta mencakup hak untuk mereproduksi dan mengirimkan artikel dalam semua bentuk dan media, termasuk cetak ulang, foto, mikrofilm, dan reproduksi serupa lainnya, serta terjemahannya.
Jurnal ilmiah teknologi infomasi asia, dan Lp2m Stmik Asia Malang, beserta jajaran para redaksi berusaha keras untuk memastikan bahwa tidak ada data, opini, pernyataan yang salah atau menyesatkan ketika dipublikasikan di jurnal, dengan kondisi apapun, isi artikel dan iklan yang diterbitkan di Jurnal ilmiah teknologi infomasi asia adalah murni merupakan tanggung jawab masing-masing penulis dan pengiklan. Pengguna situs web ini akan dilisensikan dengan menggunakan materi dari situs web ini setelah Lisensi Internasional Creative Commons Attribution 4.0. Tidak ada biaya yang dibebankan. Silakan gunakan materi yang sesuai.
Anda bebas untuk:
Bagikan - salin dan sebarkan materi dalam media atau format apa pun
Adaptasi - remix, transformasikan, dan bangun berdasarkan materi untuk tujuan apa pun, bahkan secara komersial.
Pemberi lisensi tidak dapat mencabut kebebasan ini selama Anda mengikuti ketentuan lisensi
