The Influence of Innovation Attributes and Level of Trust on Mobile Banking Adoption

Abstract

The rapid progress and development of information technology has affected the banking industry. The main priority of the Bank is not only about banking but also about services supported by large investments in the field of Information Technology.And Mobile banking is one manifestation of the progress of these technological developments. This research is about two points, first point is attribute innovation that customers need to adopt mobile banking and the second points is trust factors desired by customers from mobile banking providers in order to adopt the service. This research also study about how these two things affect the attitude of the customer and the value of customer to adopt mobile banking. So that research can be a reference for mobile banking provider to develop their services for customer. Because there are various advances in technology that exists today, customer desired not only easy of use but also compatibility Because some telecommunication companies and online sales agencies offer similar functionality to mobile banking. proven in this research is what consumers wanted by the customer is the relative advantage that can be offered by the bank and also the integrity confidence of the bank itself against customer. Thus it is expected that banks can continue to innovate to provide the best service desired by customers, by developing the field of information technology.

A Proposed Conceptual Framework for Innovation Attributes and Trust Towards Loyalty in Family Takaful

“…Chen and Wang (2016) found that innovation attributes have positive effect on customer's trust in the context of social commerce. Purwati and Soewarno (2018) found that innovation attributes have positive effect on the attitude of adopting mobile banking. Thus, this study postulates the following hypothesis: H1: Innovation attributes have a significant effect on trust.…”

Analisis Pengaruh Persepsi Teknologi Dan Persepsi Risiko Terhadap Kepercayaan Pengguna M-Banking

“…Menurut literatur, variabel persepsi teknologi, persepsi risiko, kemudahan, dan fitur layanan berpengaruh positif terhadap minat ulang nasabah menggunakan m banking (Amijaya, 2010). Purwati, Soewarno, & Isnalita (2018) dalam penelitiannya berpendapat bahwa m-banking dapat mempermudah kehidupan seseorang karena dengan menggunakan telepon seluler pelanggan dapat menabung waktu dan biaya. Transaksi perbankan yang biasanya dilakukan secara manual, dapat dilakukan tanpa harus mengunjungi dan mengantri di bank.…”

“…Jika teknologi tersebut tidak memberikan manfaat maka mereka tidak akan berminat lagi menggunakan teknologi tersebut karena ada pilihan-pilihan lain yang tersedia (Priambodo & Prabawani, 2016). Penelitian Purwati et al, (2018) menekankan pada dua hal yang berkaitan dengan m-banking yaitu atribut inovasi yang dibutuhkan pelanggan untuk mengadopsi m-banking dan dua faktor kepercayaan yang diinginkan oleh pelanggan dari penyedia m-banking untuk dapat mengadopsi layanan layanan. Menurut literatur, variabel persepsi teknologi, persepsi risiko, kemudahan, dan fitur layanan berpengaruh positif terhadap minat ulang nasabah menggunakan m-banking…”

“…Saat ada ketidakpastian yang dirasakan, maka rasa percaya mungkin akan rendah. Menurut Purwati et al, (2018) dengan berbagai kemajuan teknologi di Indonesia yang ada saat ini, tentu saja yang diinginkan oleh pelanggan tidak hanya kemudahan transaksi, dan kompatibilitas. Jika hanya pada dua hal tersebut beberapa perusahaan telekomunikasi dan agen penjualan online menawarkan fungsionalitas yang hampir mirip dengan mobile banking.…”

The Influence of Tam Factors on the Interest of Pay Later Users

“…The Fourth Factor is Security, this security is critical when making online transactions or digital payments, and this security system is an important thing that must be considered by the user when making transactions; if this security or security is guaranteed for its use, then the user will not hesitate in using this technology (Rabia et al, 2020, Dewi & Tarigan, 2022. The fifth factor is trust; by continuing to provide the best service desired by users, a sense of trust or trust in users of the technology will grow within the user (Purwati & Soewarno, 2018).…”