ANALISIS PENGARUH PERCEIVED RISK, SOCIAL NORMS, USEFULNESS, DAN TRUST TERHADAP ADOPSI MOBILE BANKING DAN INTERNET BANKING

Irni Audini; Idrianita Anis

doi:10.36766/ijag.v1i1.1

ANALISIS PENGARUH PERCEIVED RISK, SOCIAL NORMS, USEFULNESS, DAN TRUST TERHADAP ADOPSI MOBILE BANKING DAN INTERNET BANKING

Irni Audini, Idrianita Anis

Abstract

The purpose of this study was to determine the influence of perceived risk, social norms, usefulness and trust towards the adoption of mobile banking and internet banking in Indonesia. Independent variables in this study were perceived risk, social norms, usefulness and trust. Dependent variables used were the adoption of mobile banking and internet banking. The control variables of this study were gender, age, education, profession and understanding of technology.The research used questionnaire for data collection. The respondents were active users of mobile banking services banking and internet banking. The sampling technique used was purposive sampling. This study uses regression analysis. The analytical tool used to test the hypothesis is SPSS 20.These results indicate that not all independent variables showed significant effects on the dependent variable. Perceived risk has a negative influence on the adoption of mobile banking and internet banking. Social norms and trust have a positive influence on the adoption of mobile banking and internet banking. Usefulness has no influence on the adoption of mobile banking and internet banking. The control variables of age proved to be a positive influence on the adoption of mobile banking and internet banking. However, other variables, namely gender, education, profession and understanding of the technology do not affect the adoption of mobile banking and internet banking.

Keywords

Adoption of mobile banking and internet banking, perceived risk, social norms, usefulness, trust, gender, age, education, profession and understanding of technology

Full Text:

PDF

References

Amijaya, G.R. (2010). Pengaruh Persepsi Teknologi Informasi, Kemudahan, Resiko Dan Fitur Layanan Terhadap Minat Ulang Nasabah Bank Dalam Menggunakan Internet Banking. Skripsi. Universitas Diponegoro.

Azjen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human decision Processes, 50(2), 179-211.

Budiharjo, E. K. dan Aprilovi D., (2009). Mobile Banking: A Customer Relationship Manage-ment Channel. Yogyakarta, UPN Veteran: Seminar Nasional Informatika

Cruz, P., Neto, L.N.F., Munoz-Gallego, P. and Laukkanen, T. (2010), Mobile banking rollout in emerging markets: evidence from Brazil, International Journal of Bank Marketing, Vol. 28 No. 5, pp. 342-71.

Davis, F. D., Bagozzi, R. P., and Warshaw, P. R. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Mana-gement Science.35, 8 (1989), 982-1003.

Gary Mortimer Larry Neale Syed Fazal E Hasan Benjamin Dunphy , (2015), Investigating the factors influencing the adoption of m-banking: a cross cultural study. International Journal of Bank Marketing, Vol. 33 Iss 4 pp. 545 – 570

Ghozali, I. (2001). Aplikasi Multivariat dengan Program SPSS. Badan Penerbit Universitas Diponegoro.

Kim, D., J., Ferrin, D., L., dan Rao, H., R. (2007). A Trust-Based Consumer Decision Making Model in Electronic Commerce: The Role of Trust, Perceived Risk, and Their Antecedents. Decision Support Systems. Volume 44(2), 544-564.

Laforet, S. and Xyaoyan, L. (2005), Consumers’ attitudes towards online and mobile banking in China,International Journal of Bank Marketing, Vol. 23 No. 5, pp. 362-80.

Maharsi, S. dan Mulyadi, Y. , (2007), Faktor-Faktor yang Mempe-ngaruhi Minat Nasabah Menggunakan Internet Banking dengan Menggunakan Kerangka Technology Acceptance Model (TAM). Surabaya: Jurusan Ekonomi Akuntansi, Fakultas Ekonomi - Universitas Kristen Petra.

Mobile Ecosystem Forum. (2015). Retrieved on 15 April 2017 from link: http://dailysocial.net/post/mobile-banking-indonesia.

Riquelme, H. and R. E. Rios. (2010) , The moderating effect of gender in the adoption of mobile banking, International Journal of Bank Marketing, Vol. 28, No. 5: 328-341.

Rogers, E. M., (2003). Diffusions of Innovations; Fifth Edition. Simon & Schuster Publisher

Sekaran, U. (2002). Research Methods for Business: A Skill Building Approach. PT.Jakarta : Elex Media Komputindo.

Singh, S., Srivastava, V., and R. K. Srivastava. (2010), Customer acceptance of mobile banking: A conceptual framework, SIES Journal of Management, Vol. 7, No. 1: 55-64.

Sitkin, S. B., and Pablo, A. L. (1992). Reconceptualizing the Deter-minants of Risk Behavior. Academy of Management Review, 17(1), 9-38.

Soesilo, D. (2006) Analisa faktor-faktor yang mempengaruhi penerimaan mobile banking dengan Technology Acceptance Model (TAM). Bachelor thesis, Petra Christian University.

Sugiyono (1999), Metode Penelitian Bisnis, Bandung : Alfabeta.

Rakhi, T., Mala S.,. (2014). Adoption readiness, personal innovativeness, perceived risk and usage intention across customer groups for mobile payment services in India. Internet Research 24:3, 369-392.

Thompson, R. L., Higgins, C. A., dan Howell, J. M., (1991), Personal Computing: Toward a Conceptual Model of Utilization, MIS Quarterly, 125-143.

Ulun A., Nuray T.. (2012). Mobile banking adoption of the youth market. Marketing Intelligence & Planning 30:4, 444-459.

Venkatesh, M., M.G., Davis, G.B., and Davis F.D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Querterly, Vol.27, No.3, September.

Wibowo, A. (2007). Kajian Tentang Perilaku Pengguna Sistem Informasi dengan Pendekatan Technology Acceptance Model (TAM). Jakarta: Program Studi Sistem Informasi, Fakultas Teknologi Informasi, Universitas Budi Luhur.

Widyarini, L.A. dan Putro, A.Y.W.T. Analisis Hubungan Faktor-faktor Technolog Acceptance, Trust dan Risk pada Niat Nasabah Bank untuk Menggunakan Internet Banking. The 2nd National Conference UKWMS. Surabaya 6 September 2008.

Yu, C. S. (2012). Factors Affecting Individuals to Adopt Mobile Banking : Empirical Evidence From The UTAUT Model. Journal of Electronic Commerce Research, 13(2), 2012.

DOI: https://doi.org/10.36766/ijag.v1i1.1