THE PERCEIVED USEFULNESS AND EASY OF USE TOWARD CUSTOMER'S INTENTION TO ADOPT INTERNET BANKING IN THE BANKING SECTOR
MAR’ AINI *
Persada Bunda College of Economics, Indonesia.
IRSYADI ZAIN
Persada Bunda College of Economics, Indonesia.
*Author to whom correspondence should be addressed.
Abstract
This study aimed to examine the effect of perceived usefulness and ease of use toward the customer’s intention to adopt internet banking in the banking sector in Indonesia. The research was conducted quantitatively with causal and descriptive research design. The amounts of sample are 100 customers by using a proportional stratified random sampling method. Data collection techniques used in this research is a survey and observation. Measurement scale used is the Likert scale. The data analysis technique used is the analysis of Partial Least Square (PLS). The results showed that the perceived ease of use and perceived usefulness has a direct and significant positive effect on the customer’s intention to using internet banking, but did not have a significant direct effect on adopting internet banking. The customer's intention of using internet banking has a direct and significant positive effect on adopting internet banking. Perceived ease of use and perceived usefulness can have an indirect positive effect on adopting internet banking mediated by customer's intention to using internet banking. The results of the research findings can recommend several policy implications according to the priorities that can be given as input for the company i.e. increasing the productivity of internet banking technology through features that can provide positive benefits for customers and build a user-friendly internet banking system, a network-friendly application system so that its operation is easy to learn and use, flexible and can control the work of internet banking users.
Keywords: Perceived usefulness, easy of use, intention, adoption, internet banking.
How to Cite
References
Yadewani D, Akbar YR, Arief M. Buku ajar manajemen bisnis. Indonesia: Graha Aksara Makassar; 2020.
Akbar YR, Basriani A. Islamic bank savings customer retention: in terms of the service marketing Mix. Asian Journal of Advances in Research. 2020;5(2):17-26.
Zain I, Akbar YR. Bank dan lembaga keuangan lainnya. Yogyakarta: Penerbit Deepublish; 2020.
Akbar YR. Pengaruh bauran pemasaran jasa terhadap kepuasan dan retensi nasabah tabungan pada bank nagari cabang pekanbaru. Jurnal Tepak Manajemen Bisnis. 2020;6(1):105-113.
Marafon DL, Basso K, Espartel LB, de Barcellos MD, Rech E. Perceived risk and intention to use internet banking. International Journal of Bank Marketing. 2018;36(2):277-289.
Abd Ghani M, Rahi S, Yasin NM, Alnaser FM. Adoption of internet banking: extending the role of technology acceptance model (TAM) with e-customer service and customer satisfaction. World Applied Sciences Journal. 2017;35(9):1918-1929.
Akbar YR, Elsye MA. Pemasaran terintegrasi untuk meningkatkan minat masyarakat dalam menabung di bank syariah. Jurnal ISLAMIKA. 2019;2(2):82-97.
Diatmika IW, Irianto G, Baridwan Z. Determinants of behavior intention of accounting information systems based information technology acceptance. Imperial Journal of Interdisciplinary Research. 2016;2(8):125-138.
Gefen D, Karahanna E, Straub D. Trust and TAM in online shopping: An Integrated Model. MisQuarterly. 2013;27 (1):51-90.
Davis FD. Perceived usefulness, perceived ease of use, and user acceptance of information technology. MisQuerterly. 1989; 13(3).
Al-Fahim NH. An exploratory study of factors affecting the internet banking adoption: a qualitative study among postgraduate students. Global Journal of Management and Business Research. 2013;13:8-C.
Akbar YR, Mar'aini. Implementasi sistem informasi pengelolaan keuangan daerah dengan pendekatan model penerimaan teknologi terhadap kualitas laporan keuangan pemerintah daerah provinsi riau. bilancia: Jurnal Ilmiah Akuntansi. 2020;4(1):92- 101.
Ajzen I, Fisbein M. The theory of planned behaviour/reasoned action. TCW: Theorieënoverzicht; 2002.
Abu-Assi HA, Al-Dmour HH, Zu'bi MF. Determinants of internet banking adoption in Jordan. International Journal of Business and Management. 2014;9(12):169.
Akbar YR, Zain I, Nuraini P. Analisis dimensi service marketing mix sebagai pengukur kepuasan nasabah bank syariah di pekanbaru. Jurnal Tabarru': Islamic Banking and Finance. 2019;2 Issue 2:1-15.
Triandis HC. Reflections on trends in cross-cultural research. Journal of Cross-cultural Psychology. 1980;11(1):35-58.
Ajzen I, Fisbein M. Information seeking behavior and technology adoption: Theories and Trends, Chapter: Theory of Reasoned Action (TRA); 1980.
Suryani T. Manajemen pemasaran strategik bank di era global. Indonesia: Prenada Media; 2017.
Saeidipour B, Ranjbar H, Ranjbar S. Adoption of Internet banking. IOSR Journal of Business and Management. 2013;11(2):46-51.
Perkins ED, Annan J. Factors affecting the adoption of online banking in Ghana: implications for bank managers. International Journal of Business and Social Research (IJBSR). 2013;3(6):94-108.
Lee MC. Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications. 2009;8(3):130-141.
Al-Smadi MO. Factors affecting adoption of electronic banking: An analysis of the perspectives of banks' customers. International journal of Business and Social Science. 2012;3(17).
Malhotra NK. Marketing research. Jakarta: Indeks; 2017.
Akbar YR. Analisis kuantitatif, pengolahan data statistik menggunakan spss & pengumpulan data survei google form/surveymonkey. Purwokerto: CV Pena Persada; 2020.
Akbar YR. Penyuluhan dan Pengolahan Data Sosial Ekonomi Perikanan. Jurnal Pengabdian Masyarakat Multidisiplin. 2020;4(1):48-55.
Nunnally J. Psychometric theory. 2nd Edition. New York: McGraw-Hill; 1978.
Fornell CR, Lacker DF. Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research. 1981;18:39-50.
Hair JF, Black WC, Babin BJ, Anderson RE. Multivariate data analysis: Pearson new international edition. Essex: Pearson Education Limited; 2014.