Examine the Technology of Acceptance Model Among Mobile Banking Users in Indonesia (original) (raw)
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Analysis of Factors Affecting Adoption of Mobile Banking Application in Indonesia
Esensi: Jurnal Bisnis dan Manajemen
The development of information technology makes banking provide mobile banking service applications in Indonesia as an easy, convenient and fast service. However, there are still many customers who do not have a mobile banking account. In addition, the use of currency is still in demand by the soceity. Therefore, the purpose of this study is to determine the factors that influence consumer acceptance in the context of mobile banking applications. This study uses the Unified Theory of Acceptance and Use of Technology (UTAUT2) model which is modified by adding the variable perceived credibility and perceived self-efficacy. This research model was tested using 205 respondents from online surveys in the Jabodetabek, Indonesia. Data was analyzed using Partial Least Square (PLS). Performance expectancy, effort expectancy, social influence has a significant effect on behavioral intention. Performance expectancy is the factor that most influences the behavior intention. Behavioral intentio...
Over the time study on the acceptance of new technologies tend to always use the construct of Perceived Usefulness and Perceived Ease of Use of the Technology Acceptance Model (TAM), but this concept may not be able to explain the behavior of customers towards new information technologies such as mobile banking. In this study variable, Perceived enjoyment added as new factors that reflect the intrinsic belief in the acceptance of mobile banking customers. Therefore the aims of this research are to test the influence of; 1) Perceived Ease of Use toward Perceived Enjoyment Mobile banking services, 2) Perceived Enjoyment toward behavioral intention Mobile banking services, 3) Perceived Ease of Use toward Perceived Usefulness Mobile banking services and 4) Perceived Usefulness toward behavioral intention Mobile banking services. In this research, Survey methods and questionnaires are used as research instruments. The sample used amount 200 respondents. Data were analyzed using descriptive analysis and Structural Equation Model (SEM) to examine the relationship between variables. Results of the Research show that: 1) Perceived ease of use affect perceived enjoyment of mobile banking positively, 2) Perceived enjoyment affect Intention to use mobile banking positively, 3) Perceived ease of use affect perceived of usefulness of mobile banking and 4) perceived of usefulness affect intention to use mobile banking positively.
Acceptance of Mobile Banking Services in Makassar: A Technology Acceptance Model (TAM) Approach
Mobile banking services is a relatively new banking services. This study aims to look customer acceptance of mobile banking services in Makassar and the influencing factors using the Technology Acceptance Model (TAM) framework. The design of this study is causal and descriptive with sample of 180 customers selected by convenience and accidental sampling. Data were collected through structured interviews with a questionnaire. The results showed that (1) Perceived Ease of Use significantly influence Perceived Usefulness; (2) Perceived Ease of Use significantly influence Intention to use and (3) Perceived of Usefulness significantly influence intention to use. The research concluded that to increase customer acceptance or adoption of mobile banking services, the banks should pay attention to and highlight factors Perceived Usefulness and Perceived Ease of Use.
International Review of Management and Marketing
The percentage of mobile banking users is currently lower than the number of active internet users with smartphones in Indonesia. The current study extends the Unified Theory of Acceptance and Use of Technology 2 by adding two important factors, perceived risk and observability. The purpose of this study is to investigate the factors influencing behavioural intention and use behaviour of Mobile banking by customers of Indonesian. Data was collected by conducting an online survey questionnaire completed by 360 respondents. The authors analysed the model through structural equation modelling LISREL. The results showed observability, performance expectation, hedonic motivation, facilitating conditions as positive and significant of behaviour intentions. The perceived risk, and price value indicated negative and significant in explaining behaviour intention. Behavioral intention and experience has positive and significant to use behavior mobile banking.
2020
Background: The information technology in Indonesia is growing and bring significant changes to the people in Indonesia. Digital Technology bring in the ease of use, efficient and benefitto almost all activities. Financial Technology Systemis one of which have changed the financial payment system services provided by banks. The aim of this research is to analyze the variables of perceived ease of use and perceived usefulness towards customer'sintention to use in relating to trust as the intervening variable. Materials and Methods: The collection of dataisdoneby usingdistributionofquestionnaire, thepopulationisthe customers of Mega Mobile Bankingsystem in Jakarta, Indonesia. This study is based ondescriptiveandverificationresearch, themethodsisusinganalysisandtheverificationmethodsisusingquantitativeanalysis. The sampledeterminationisusing Purposive Sampling andtheanalysismethodisusingPartialLeastSquare (PLS). Results: The resultsindicatethatperceived of ease and perceived useful...
BISMA (Bisnis dan Manajemen)
Information technology has made mobile banking easy, convenient and accessible to 178 million unique mobile subscribers base in Indonesia. Out of this 50 million are smartphone users and collectively about 132 million are internet users . This rising trend has been forcing 120 commercial banks in the country to ramp up their mobile-based banking initiatives. However, in contrast to it, only 50 million have bank accounts out of 250 million Indonesian population size . This poses a few challenges to digital adoption using mobile as medium, especially when a limited number of people have bank accounts and the cost of internet is high due to geographical, infrastructural spread and cost barriers. The purpose of this study is to unearth such factors that have - direct or indirect - influence on consumer acceptance for mobile banking applications. This research model examines 205 respondents from online surveys in Jabodetabek, Indonesia. To conduct this study, we have used Unified Theory...
2020
The increase in smartphone users over the past 5 years has caused lifestyle changes, where customers are demanding cheaper, more effective and efficient banking services and transactions. One solution is through a mobile banking application. PT. Bank Pembangunan Daerah Jawa Timur Tbk (Bank Jatim) launched the Bank Jatim Mobile Banking application to facilitate customers making banking transactions via smartphones. Bank Jatim Mobile Banking received a positive response from customers as indicated by an increase in the number of users reaching 59.7%. Therefore, it is necessary to analyze the factors that drive customer acceptance in using Bank Jatim Mobile Banking services using the Extended The Unified Theory of Acceptance and Use of Technology (UTAUT2) model. This study aims to determine the effect of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habits on behavioral intention and use behavior of Bank Jatim Mobile Banking applications. Data were obtained using a questionnaire instrument which was distributed to 130 customers of Bank Jatim Mobile Banking selected through purposive sampling. Data analysis uses SPSS Version 22.0. The results showed that performance expectancy, effort expectancy, hedonic motivations, price value, and habits had a significant effect on behavioral intention, meanwhile facilitating conditions and social influence had no effect on behavioral intention. The results also showed that habit and behavioral intention significantly influence use behavior, while facilitating conditions do not affect use behavior.
2020
The rapid development of information technology has encouraged the banking industry to innovate in serving its customers. One of the most phenomenal technology service facilities is m-banking. This could be seen from the use of mobile banking is steeply increasing in recent years since almost every bank offers mobile banking services. In response to this fact, this study aims at examining the influence of trust, perceived benefits and perceived ease upon attitudes and intention of customers to use mobile banking. This study used technological acceptance model (TAM) with trust. The collection of data was conducted through a survey-based empirical study of 150 of respondents using convenience sampling. The result of study shows that attitude highly influences the intention to use mobile banking and attitude, as mediation, is influenced by perceived benefits, ease and trust.
New determinants of ease of use and perceived usefulness for mobile banking adoption
International Journal of Electronic Customer Relationship Management, 2017
This research centres the variables affecting the intention of individuals to continue using mobile banking in Pakistan through using a model of technology acceptance model (TAM). Relevant information was collected through a structured instrument while the sample size included 300 users of mobile banking. Furthermore, statistical tools applied as a part of a study were reliability analysis and partial least square-SEM = Structural Equation Modelling in order to check the effect of those factors with the intention of the users. Outcomes suggest that resistance is significantly and negatively associated with perceived ease of use while it is significantly and positively associated with perceived usefulness. Also, perceived risk and compatibility have positive significant relationships with both perceived ease of use and perceived usefulness. However, awareness is positively and significantly connected with perceived ease of use and an insignificant relationship with perceived usefulness. Perceived ease of use has a significant positive relationship with both perceived usefulness and attitude, while perceived usefulness has a positive significant relationship with attitude and intention towards adopting mobile banking. Finally, attitude is also positively and significantly linked with the intention of using mobile banking. The results of this study provide useful information about the users' pattern of using the technology, which will be helpful for the financial institutions.
Banking is one industris that is currently growing rapidly. With the development of information technology, it will create such a great opportunity for the financial service providers in this industry. This opportunity can be used to further expand its business towards information technology. One of the banking products based on information technology today is internet banking. According to Shih and Fang (2006) internet banking is a new type of information system that uses emerging techniques, such as the Internet and th e World Wide Web, and has changed the way consumers do various financial activities in a virtual space. The purpose of the study is to determine the characteristics of internet banking users and to know the factors that influence the survey user of internet banking. It is expected that this research will broaden the knowledge of the long-term information technology. This will make information technology, such as internet banking, can be used, not only in industry banking, but various commercial and non-commercial brand business. The research method used in this study is non probability sampling on several big cities in Indonesia. The data processing analysis is using multiple regression with SPSS 20.00 software. The results of this data processing will be conducted wih an in-depth discussion on the characteristics of internet banking users and the factors that affect the use of internet banking in Indonesia. The results of this study are divided into two parts. First, the results of qualitative research successfully strengthens the research model. The variables of perceived usefulness, perceived ease of use, perceived credibility, compatibility, personal innovativeness, and social influence do affect the interest in using internet banking, in in the end, the real utilization in using the internet banking. In addition, using quantitative research successfully generated indicators for each valid and reliable variables, namely 3 indicators from actual usage, 4 indicators from behavioral intention, 6 indicators from perceived usefulness, 6 indicators from perceived ease of use, 4 indicators from perceived credibility, 4 indicators from compatibility, 3 indicators from personal innovativeness, and 4 indicators from social influence.