Minat Penggunaan M-Banking Bank Konvensional di Kabupaten Sumbawa: Implementasi Technology Acceptance Model
Abstract
This study aims to examine the public's interest in using m-banking in conventional banks in Sumbawa Regency. The Technology Acceptance Model (TAM) was employed as the underlying framework, and the research was conducted using a field survey method. Data for this study were collected online through convenience sampling using a self-registered questionnaire. The data were analyzed using Structural Equation Modeling (SEM) Partial Least Squares (PLS). The findings indicate significant influences between attitude toward using, perceived ease of use, perceived usefulness, and smartphone self efficacy on m-banking usage intention. Perceived ease of use, perceived usefulness, and user experience have a significant impact on m-banking usage intention. Additionally, smartphone self efficacy also influences the perceived ease of use in m-banking, but it does not have an effect on the perceived usefulness. These findings provide a better understanding of the factors influencing the public's interest in using m-banking in conventional banks in Sumbawa Regency.
Downloads
References
World Bank, “Beyond Unicorns,” Jakarta, 2021. doi: 10.1596/36018.
N. W. Sayekti, “Tantangan Perkembangan Ekonomi Digital di Indonesia,” Pus. Penelit. Badan Keahlian DPR RI, vol. X, no. 05, p. 19, 2018, [Online]. Available: http://berkas.dpr.go.id/puslit/files/info_singkat/Info Singkat-X-5-I-P3DI-Maret-2018-163.pdf.
N. Kholis, “Perbankan Dalam Era Baru Digital,” Economicus, vol. 12, no. 1, pp. 80–88, 2020, doi: 10.47860/economicus.v12i1.149.
World bank, The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. 2022.
A. I. Mutiasari, “Perkembangan Industri Perbankan Di Era Digital,” J. Ekon. Bisnis Dan Kewirausahaan, vol. 9, no. 2, pp. 32–41, 2020, doi: 10.47942/iab.v9i2.541.
S. Iska, Sistem perbankan syariah di Indonesia dalam perspektif fikih ekonomi, First. Fajar Media, 2012.
OJK, “Survei Nasional Literasi dan Inklusi Keuangan,” 2022.
M. Ikrar, “Analisis Faktor-Faktor yang Mempengaruhi Minat Penggunaan E- Banking,” Universitas Islam Indonesia, 2017.
M. H. Nasution and Sutisna, “FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH TERHADAP INTERNET BANKING,” J. Nisbah, vol. 1, no. 1, pp. 62–73, 2015.
S. Jamidan, “Faktor-Faktor Yang Mempengaruhi Minat Mahasiswa UII Dalam Menggunakan Internet Banking,” Universitas Islam Indonesia, 2016.
F. Munoz-Leiva, S. Climent-Climent, and F. Liébana-Cabanillas, “Determinants of Intention to Use the Mobile Banking Apps: An Extension of the Classic TAM Model,” SSRN Electron. J., 2019, doi: 10.2139/ssrn.3489124.
N. Marangunić and A. Granić, “Technology acceptance model: a literature review from 1986 to 2013,” Univers. Access Inf. Soc., vol. 14, no. 1, pp. 81–95, 2015, doi: 10.1007/s10209-014-0348-1.
I. Ghozali, Desain Penelitian Kuantitatif dan Kualitatif untuk Akuntansi, Bisnis dan Ilmu Sosial Lainnya, First. Yoga Pratama, 2016.
M. Abdullah, Metodologi Penelitian Kuantitatif. 2015.
J. F. Hair, M. Sarstedt, L. Hopkins, and V. G. Kuppelwieser, “Partial least squares structural equation modeling (PLS-SEM): An emerging tool in business research,” Eur. Bus. Rev., vol. 26, no. 2, pp. 106–121, 2014, doi: 10.1108/EBR-10-2013-0128.
P. Barrett, “Structural equation modelling: Adjudging model fit,” Pers. Individ. Dif., vol. 42, no. 5, pp. 815–824, 2007, doi: 10.1016/j.paid.2006.09.018.
Copyright (c) 2023 Firman Firman, Muhammad Nurjihadi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
