Perilaku Penggunaan Internet Banking Sebagai Alat Transaksi Finansial

Abstract

Internet banking is one of the bank services to do financial and non-financial transactions via an internet network. Internet banking provides consumers' benefits such as fast, safe, convenient, and inexpensive transactions. Moreover, the bank gains business expansion and customer loyalty as their own benefits. Internet banking usage is influenced by perceived usefulness, perceived ease of use, visibility, enjoyment, social influences, attitude toward using, behavioral intention, and actual usage. The study's purpose was to analyze these variables and formulate managerial implications in developing internet banking for the future. The study approach used the Technology Acceptance Model (TAM), which was tested by Structural Equation Modeling (SEM). The results showed five-factor relationships. First, the perceived ease of use had a significant influence on perceived usefulness. Second, the perceived usefulness was a significant toward the behavioral intention. Third, visibility and enjoyment had significant influence on attitude toward using. Fourth, the attitude toward using had significantly influenced behavioral intention. Five, the behavioral intention had significant toward actual usage. While the variable of visibility and enjoyment indirectly affected the actual usage.

Analysis of the Use of Mendeley Using the Technology Acceptance Model (Tam) Approach: Study in Students of Office Administration Education in Surabaya State University

“…Procedures for using Mendeley that are easy to understand will help complete work faster and student performance will be better. The result of this test is in accordance with research [9]; [7]; [13]; [8]; and [32] stating that perceived ease of use has a positive effect on perceived usefulness. From table 6, it can be concluded that perceived ease of use indirectly has a positive and significant effect on behavioral intention of use through perceived usefulness.…”

“…The results of the same study conducted by Sana et al that the more user attitudes to use technology are formed, the more convinced these users will continue to use technology [27]. The results of these studies are in accordance with research [13]; [6]; [7]; and [27] where the results of the research on behavioral intention of use variables are directly influenced by the attitude towards using variables positively and significantly.…”

“…The easier the technology is to use, the more useful the technology will be. The same statement was conveyed by Heryani et al, (2020), the easier it is to use technology, the more useful the technology will be [7]. Another result was conveyed by Kurniawati et al, (2017) that the ease with which users feel will give users confidence to continue using this technology [8].…”

The Effects of Perceived Ease of Use, Security, and Promotion on Trust and Its Implications on Fintech Adoption

“…If an application is found difficult to utilize, then the application will no longer be used by customers. Generally, a system that is easier to use eventually becomes more useful for its users (Anjelina, 2018;Heryani, Simanjuntak & Maulana, 2020). Other than that, security covers the concept of administering personal data of fintech users, which includes maintaining confidentiality and providing confidence in security guarantees (Abdullatif, Purnaningsih & Simanjuntak, 2020).…”

Technology Acceptance Modelling for Jconnect Mobile Users (Study at Bank Jatim Regional Lamongan)

“…Andre et al (2021) and Prastiawan et al, (2021) have all conducted research on the impact of perceived ease of use on behavioral intention to use technology. They found that perceived ease of use positively influences behavioral intention to use, while Heryani et al (2020) and Saidani et al (2022) found that it does not significantly affect behavioral intention to use digital payment applications in Jakarta. These findings suggest the need for further study on how perceived ease of use influences behavioral intention.…”