Analysis Factors of Using Internet Banking in Indonesia (original) (raw)
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The Journal of Internet Banking and Commerce, 2017
The presence of the Internet in everyday life has brought many changes in the transactions in the bank. This study aimed to analyze the influence of perceived ease of use, trust, anxiety computing and service quality of the intention in using internet banking. The sample was one of the customers of private banks in Indonesia national branch offices, in Jakarta and Surabaya. The questionnaire used in this study adopts the existing indicators on WebQual and Technology Acceptance Model (TAM). Analysis of data used multiple linear regression method. The results show that the ease of use, trust, anxiety computing and service quality affects the intention in using electronic banking.
Service Quality of Internet Banking from an Indonesian Perspective
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This research aims to test and analyse the influence of trust on technology used for internet banking and its impact on customer’s interest to use internet banking. The fieldwork chosen for this research is the internet banking industry in Indonesia. However, the research focused on Aceh and North Sumatra’s big cities that is Banda Aceh and Medan because both cities have the largest number of internet banking customers. Customers beliefs on technology reliability, Customer acceptance of IT Value and Converting Intention on Internet Banking in the region of Aceh and North Sumatra are the research’s variables that have been selected for analysis and review to uncover the phenomena that have been developed in this study. The population is the main subject on which the researchers focus their study to examine specific parameters, and then be able to draw conclusions from it (Hair, J.F. 2010). In this paper, the study group is all internet banking customers from Aceh and North Sumatra re...
Analysis on Internet Banking Services in Indonesia: Impact of Customer Value to Converting Intention
Proceedings of the 1st Aceh Global Conference (AGC 2018), 2019
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The Factors Affecting Usage of Internet Banking Services in East Java
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The Online Banking Usage in Indonesia: An Empirical Study
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Many Indonesian banks have offered online banking services to improve service to existing customers and attract new ones. However, the online banking service is new to most people in Indonesia. This study focuses on this issue and attempts to identify the determinants of customer intention to use online banking. A research framework based on the Delone and McLean Information System Success (D and M IS) model for assessing website quality and the literature on brand credibility was developed to identify the factors that can affect customer intention to use online banking. This study uses customers of the financial industry in Indonesia as subjects and collects 184 valid questionnaires. Partial Least Squares (PLS) method is applied in the investigation. The analytical results indicate that brand credibility can affect customer intention to use online banking.
Exploring the influential antecedents of actual use of internet banking services in Indonesia
Control, Systems & Industrial …, 2012
With the emergence of electronic banking use, satisfaction and trust become crucial and prominent factors in determining online banking success, whereas consumers' reluctance in directing their decisions to adopt and use ecommerce has remarked the significant aspect of trust, security, and privacy in either traditional and online commerce systems.
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.
Usage and Risk Perception of Internet Banking: Case Study in Yogyakarta Special Region, Indonesia
2014
With number of samples 401 respondents, research aim is to measure consumer awareness, usage, and risk perceptions towards internet banking which based on information technology and communications. Research design is survey using a questionaire with 401 respondent as a sample; sampling method is multistage random sampling in five sub-provinces in Yogyakarta Special Region Province. The result show internet banking awareness is low, namely 27,4%; level of internet banking owner much more low, namely around 3,7%. Main reason not using internet banking is about lack of consumer readiness, lack of internet knowledge, and high administration cost. Respondent that considering to know internet banking most correlating this facility with a balance and banking transaction cheque via internet. Transaction frequency for internet banking is vary, between one times in a month until more than five times in a month, with the number of transactions also vary, between Rp. 1.000.000,- Rp. 2.000.000- ...
A Study on the Intention to Use of Internet Banking
International Commerce and Information Review, 2007
Purpose-The finance industry especially the banking industry has been facing unprecedented atmosphere due to Internet Specialized Bank, P2P financing, mobile banking, etc. Furthermore borrowing and lending task which is the core business of banking can be done by internet without visiting bank. So called new business platform for the banking industry has emerging, and accordingly banks have to find new strategies to survive. Banks need to maintain existing customers by understanding customers' perceived value and attract new customers. In this research, we investigate the relationship among Internet Banking Use, Trust, Bank Loyalty, Continuity, and Switching Barrier. The variables represent what customers perceive as values regarding banking and what make them to switch banks. Especially switching barriers are analyzed whether they have control effects on customers' behavior leaving or staying their current bank. By understanding factors affecting customers' decision making, banks can set up strategies not to lose existing customers and to attract new customers. Research design, data, and methodology-The first step is to test whether the customers' perceived value on internet banking affect internet banking use and bank loyalty. The second step is to test trust which consists of system trust and bank trust affect internet banking use affects internet banking use and bank loyalty. The third step is to analyze whether switching barriers for internet banking have control effect on leaving the current or staying. The data was collected by questionnaire and analyzed using SPSS. Demographic characteristics, factor analysis, regression analysis, and 3 step regression analysis were conducted. Results-All sub-variables of customers' perceive value, usefulness, ease of use, customization, convenience, is turned out to affect internet banking use and bank loyalty at statistically significant level. Of system trust which consists of two sub-variables, task performance trust and security trust, task performance affects internet banking use and bank loyalty but security trust does not. Three sub-variables of Bank trust, promise keeping, opportunistic behavior, employee trust, affect internet banking use but regarding bank loyalty promise keeping and employee trust affect but opportunistic behavior does not affect bank loyalty. The switching barriers for internet banking are turned out to have control effect on the process from internet banking use to continuity and from bank loyalty to continuity. Conclusions-The customers' perceived value on internet banking use are chosen from extant study results. They are usefulness, customization, ease of use and convenience. All the four variables are meaningful regarding internet banking. Regarding trust, customers are still suspicious on security of the system. However customers have confidence in internet banking in terms of tasks. Of bank trust customers believe that banks will keep their promises and the employees are trustworthy but they also think that banks can make decisions for their own benefit when conflicts between customers and bank break out. The switching barriers which consist of three factors, switching costs, difficulties of new environment and uncertainties of new bank, have control effect on switching internet banks. Therefor for banks not to lose existing customers need to make the barriers higher. The contribution of this study is as follows. First, we found what factors regarding customers' perceived value on internet banking affect the use. Second the trust regarding internet banking has to be divided into two aspects which are system trust and trust of bank itself. Finally, the switching barriers on internet banking are influential to switching banks and continuity.
Determination of Internet Banking Customer Satisfaction - Study at SOE Bank in Indonesia
Jurnal Minds: Manajemen Ide dan Inspirasi
This study seeks to identify the role of perception of information technology, service quality, and trust on customer satisfaction of internet banking users in several State-Owned Enterprises (SOE) Banks in Indonesia. The study involved 228 respondents from BBRI, BMRI, and BBNI. The stages in data analysis involve the classical assumption, validity & reliability, and effect test using PLS-SEM. The results accept all hypotheses with positive and significant effects. This study finds that the optimal use and application of information technology systems can increase perceptions of internet banking use on customer satisfaction at SOE banks in Indonesia.