Factors Influencing Customers to Use Digital Banking Application in Yogyakarta, Indonesia

MUFARIH, Muhammad; Jayadi, Riyanto; SUGANDI, Yovin

doi:10.13106/jafeb.2020.vol7.no10.897

Cited by 40 publications

(29 citation statements)

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“…The development of information technology and the demands of the public for an application as well as an increase in smartphone specifications and sophistication require banking institutions to make adjustments to their mobile banking applications. This adjustment allows users to evaluate the use of mobile banking according to their preference for perceived usability, perceived convenience, social influence, such as previous research conducted by Mufarih, et., Al (2020);Liu et., Al (2011);shaykh et al (2017);andrade et., al (2016);alalwan et., al (2017).…”

Section: Discussionmentioning

confidence: 99%

The Effect of Perceived Usefulness, Perceived Ease of Use, and Social Influence on the Use of Mobile Banking through the Mediation of Attitude Toward Use

Prastiawan

Aisjah

Rofiaty

2021

APMBA

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Mobile banking is one of the channels of banking service provided by banking institutions in forms of modern platforms that are fully based on digital technology and displace physical interaction between banks and their customers. For banking industry, mobile banking is more than a service option; it is a strategic plan to facilitate customer's changes in behavior. However, the acceptance of such platform by the public, particularly micro entrepreneurs, is still in question. The objective of this research is to identify factors influencing the use of mobile banking based on the perception of micro customers of Bank DKI in Surabaya. The variables used in this study were developed from previous researches that also examined the same matter with adjustment on the characteristics of micro customers. The variables, developed through the theoretical review, were then empirically assessed using SEM-PLS. the data was collected from questionnaires distributed to 266 micro customers who received financing from Bank DKI. The surcey discovered that perceived usefulness, perceived ease of use, and social influence are empirically proven to have both direct effects on the use of mobile banking and indirect effects through attitude toward use. Practical implications also discussed in this paper.

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Section: Discussionmentioning

confidence: 99%

The Effect of Perceived Usefulness, Perceived Ease of Use, and Social Influence on the Use of Mobile Banking through the Mediation of Attitude Toward Use

Prastiawan

Aisjah

Rofiaty

2021

APMBA

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“…Currently, technology has changed the way consumers want to interact. Researchers [10] used TAM theory on factors influencing customers to use branchless banking application. Branchless banking has become an interesting topic during COVID-19 pandemic and [11] reveals the TAM theory on branchless banking in Malaysia.…”

Section: Technology Model Support For the Branchless Banking Technolo...mentioning

confidence: 99%

“…To attract customers, banks will involve mediums such as agent banking and electronic banking channel to promote their products and services. In statements [10] to mitigate operational risks, BNM has recommended business continuity plans (BCPs) to FIs to continue essential services to customers whilst protecting well-being of customers. The activation of BCPs has effectively supported transactions which enabled FIs to continue their banking business.…”

Section: Customers Do Not Physically Come To the Bank For Business Pu...mentioning

confidence: 99%

“…Traditional banking methods are moving fast towards branchless banking. [10] states that IR 4.0 has been addressed in the most developed countries such as Austria, Belgium, France, Germany, Italy, Spain, and Sweden. IR 4.0 is associated with artificial intelligence (AI) wherein there are less human assistance and minimal control by parties.…”

Section: Industrial Revolution 40 Approachesmentioning

confidence: 99%

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Challenges from the disastrous COVID-19 pandemic: exposure to opportunities for branchless banking in Malaysia

et al. 2022

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Branchless banking is a new digitalization of artificial intelligence (AI) for future banking services. The rapid digitalization and technological advancement of financial institutions (FI) have changed due to the COVID-19 pandemic. Such branchless banks are expected to offer financial customers meaningful access whilst promoting responsible usage of suitable and affordable financial solutions. The objectives of this paper are to identify CSF to conduct branchless banking for bank performance during the attack of the COVID-19 pandemic in Malaysia. These CSFs are important to reinforce the new business model recommended by the central bank of Malaysia (BNM). Through this study five CSFs have been identified which are customers do not physically attend to the bank for their banking needs, it is more efficient, saves time, secured, and low cost. As the industrial revolution (IR) 4.0 approaches, public acceptance, innovation, and strong financial services, as well as demand of digital payment will take over the country. National savings bank (BSN) was officially the first bank in Malaysia to conduct branchless banking through agent banking. In line with the BNM division strategy 2011–2020, BSN had launched banking beyond branches via BSN agents who offer banking services on behalf of BSN.

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“…Digital banking, which was initially an application with standard transaction features, has been changed into an application with a variety of functions, ranging from opening savings and investment accounts, withdrawal without crads, rela-time gross settlement, redeem points, shopping, and several other types of transactions (Mufarih et al, 2020). It encompasses and cover all banking activities (internet banking and mobile banking) but in online 14,2 ways (Kusumawati & Rinaldi, 2020).…”

Section: Literature Reviewmentioning

confidence: 99%

Digitalization and Efficiency: Technology-based Service of Indonesia Sharia Commercial Banks

Bella

Himmawan

2021

IQTISHADIA

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This study aims to assess the technology-based service effectiveness on bank profitability as well as to evaluate the efficiency and stability of Islamic Commercial Banks in Indonesia. The model was analyzed by using multiple linear regressions with generalized least square estimation technique and Data Envelopment Analysis (DEA) with data are gathered from Q1 2017 to Q2 2020. The exogenous variables included were Branchless Banking (BB), Third-party Funds (DPK), and Technology Service Quality (TSQ), with banking operational income (PENDOP) as endogenous variable. The DEA method analyses the VRS and CRS scale while using output orientation. Using the inputs of DPK, operational expenses, and total funding, with the outputs of operational earnings and total assets. The main finding suggests that DPK played as a dominant variable, following by TSQ and BB on bank operational income. Moreover, the results of the DEA models showed in four quadrants in each CRS and VRS model. Respectively, 1 and 5 banks are highly efficient and stable, 5 and 2 banks have high efficiency but low stability, 4 and 2 banks have low efficiency but high stability, 4 and 5 banks have low efficiency and stability in the CRS and VRS model.

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Factors Influencing Customers to Use Digital Banking Application in Yogyakarta, Indonesia

Cited by 40 publications

References 0 publications

The Effect of Perceived Usefulness, Perceived Ease of Use, and Social Influence on the Use of Mobile Banking through the Mediation of Attitude Toward Use

The Effect of Perceived Usefulness, Perceived Ease of Use, and Social Influence on the Use of Mobile Banking through the Mediation of Attitude Toward Use

Challenges from the disastrous COVID-19 pandemic: exposure to opportunities for branchless banking in Malaysia

Digitalization and Efficiency: Technology-based Service of Indonesia Sharia Commercial Banks

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