Perceived Ease of Use and Trust Towards Intention to Use Online Banking in Malaysia (original) (raw)
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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.
Proceedings of the 3nd Warmadewa Research and Development Seminar, WARDS 2020, 21 December 2020, Denpasar-Bali, Indonesia, 2021
The aim of this study thoroughly explains the use of online banking which is influenced by the Technology Acceptance Model for customers at PT Bank Takyat Indonesia, Tbk. Gianyar Branch. The study also aims to provide consideration for the management of a bank regarding the importance of focusing attention on the use of online banking in order to improve the quality of service to customers considering that customers are assets for banking financial institutions. This study used 100 samples, namely customers of PT Bank Rakyat Indonesia, Tbk, Gianyar Branch. Determination of the sample using the Slovin formula and data collection techniques carried out by distributing questionnaires with a survey method. To answer the research hypothesis using an analytical tool, namely the multiple linear regression analysis method. From the research results it was found that the Technology Acceptance Model has a positive effect on the use of online banking