THE ANALYSIS OF MOBILE BANKING ACCEPTANCE FOR TRADITIONAL PRIVATE BANK CUSTOMERS IN INDONESIA
Article Sidebar
Read Counter : 10
Download : 8
Main Article Content
Abstract
Many banks have improved digital customer service through mobile banking, including private banks and government banks. The development of mobile banking in Indonesia is very massive, starting with the COVID-19 pandemic. However, not all customers want to take full advantage of mobile banking. This research aims to analyze the factors that influence mobile banking adoption. The subjects of this research are private customers aged over 20 years. Research that uses primary data by distributing questionnaires with the variables Perceived Usefulness and Perceived East to Use with Attitude as a mediating variable. Data collection used the convenience method and continued with the snowball method. A valid questionnaire was used by 99 respondents, then analyzed using path analysis. The research results show that perceived usefulness influences mobile banking adoption, but is different from Perceived Ease to Use. The conclusions obtained from this research indicate that customers have felt the benefits of mobile banking, but customers still need effort or are not yet comfortable in operating it. The implication of this research is that banks still have to develop mobile banking systems or applications in order to simplify mobile banking operations according to the characteristics and conditions of their customers.
Article Details
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
This journal provides immediate open access to its content on the principle that making research freely available to the public supports a greater global exchange of knowledge.
IJAEB by Graduate Program of Universitas Tarumanagara is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.. Permissions beyond the scope of this license may be available at https://journal.untar.ac.id/index.php/ijaeb
References
Ananda, S., Devesh, S., & Al-Lawati, A, M. (2020). What Factors Drive The Adoption Of Digital Banking? An Empirical Study From The Perspective Of Omani Retail Banking. Journal of Financial Services Marketing.
Apanasevic, T., Markendahl, J., and Arvidsson, N (2016). Stakeholders' Expectations Of Mobile Payment In Retail: Lessons From Sweden. International Journal of Bank Marketing, 34(1), 37-61.
Ariffin, S. K., & Lim, K. T. (2020). Investigating Factors Affecting Intention To Use Mobile Payment Among Young Professionals In Malaysia. Paper presented at the First ASEAN Business, Environment, and Technology Symposium (ABEATS 2019), 1st-4th December 2019. Atlantis Press.
Ariffin, S. K., Reza Abd Rahman, M. F., Muhammad, A. M., & Zhang, Q. (2021). Understanding The Consumer's Intention To Use The E-Wallet Services. Spanish Journal of Marketing - ESIC, 25(3), 446-461.
Bregashtian, and Herdinata, C. (2021). The Effect of Perceived Ease of Use, Usefulness and Risk on Intention to Use the Go-Food Application in Surabaya and Sidoarjo. International Conference on Entrepreneurship, 169-183.
Chaouali, W., Souiden, N., & Ladhari, R. (2017). Explaining Adoption Of Mobile Banking With The Theory Of Trying, General Self-Confidence, And Cynicism. Journal of Retailing and Consumer Services, 35, 57-67.
Cheah, C. M., Teo, A. C., Sim, J. J., Oon, K. H., & Tan, B. I. (2011). Factors Affecting Malaysian Mobile Banking Adoption: An Empirical Analysis. International Journal of Network and Mobile Technologies, 2(3), 149-160.
Davis, F. D. (1985). A Technology Acceptance Model for Empirically Testing New End-User Information Systems: Theory and Results. Doctoral dissertation. Massachusetts Institute of Technology.
Davis, F. D., Bagozzi, R. P., and Warshaw, P. R. (1989). User acceptance of computer technology: a comparison of two theoretical models. Management Science, 35(8), 982-1003.
Eagly, A. H. (1992). Uneven Progress: Social Psychology And The Study Of Attitudes. Journal of Personality and Social Psychology, 63(5), 693-710.
Fachreza, J. A., Besra, E., and Verinita. (2022). Effect of Perceived Usefulness and Perceived Ease of Use on Intention to Use Mobile Banking (BRIMO) with Attitudes as Intervening Variable. Journal of Management,12(3), 1552-1561.
Fishbein, M., & Ajzen, I. (1975). Belief, Attitude, Intention, and Behaviour: An introduction to theory and Research, Addiso. Addison-Wesley, Reading, MA.
Gupta, A., Yousaf, A., & Mishra, A. (2020). How Pre-Adoption Expectancies Shape Post-Adoption Continuance Intentions: An Extended Expectation-Confirmation Model. International Journal of Information Management, 52, 102094.
Handayani, P. W., Gelshirani, N. B., Azzahro, F., Pinem, A. A., & Hidayanto, A. N. (2020). The Influence Of Argument Quality, Source Credibility, And Health Consciousness On Satisfaction, Use Intention, And Loyalty On Mobile Health Application Use. Informatics in Medicine Unlocked, 100-429
Haritha. (2022). Mobile Payment Services Adoption: Understanding Customers For An Application Of Emerging Financial Technology. Information & Computer Security, 2056-4961.
Jamshidi, D., & Hussin, N. (2016). Forecasting patronage factors of Islamic credit card as a new e-commerce banking service: an integration of TAM with perceived religiosity and trust. Journal of Islamic Marketing, 7(4), 378-404.
Kejela, A. B., and Porath, D. (2021). Influence Of Attitude On Mobile Banking Acceptance And Factors Determining Attitude Of End-Users In Ethiopia. Journal of Internet and Digital Economics, 2(1), 68-88.
Kemp, S. (2019, Mei 22). We are social. Diambil kembali dari https://wearesocial.com/ global-digital-report-2019
Khurana, M. K., Kushwaha, U. S., Baniya, P., & Yadav, M. (2020). Indian E-Commerce Industry Startup Scenario With Trends And Opportunities. International Journal for Research in Engineering Application and Management, 5(11), 157-162.
Lai, P. (2017). The Literature Review Of Technology Adoption Models And Theories For The Novelty Technology. Journal of Information Systems and Technology Management, 14, 21-38.
Liao, Z., & Landry, R. J. (2000). An Empirical Study On Organisational Acceptance Of New Information Systems In A Commercial Bank Environment. Proceedings of the 33rd HI International Conference on System Sciences.
Liébana-Cabanillas, F., Japutra, A., Molinillo, S., Singh, N., & Sinha, N. (2020). Assessment of mobile technology use in the emerging market: analysis intention to use m-payment services in India. Telecommunications Policy, 44(9).
Lin, H, F (2011). An Empirical Investigation Of Mobile Banking Adoption: The Effect Of Innovation Aattributes And Knowledge-Based Trust. International Journal of Information Management, 31, 252-260.
Madan, K., & Yadav, R. (2016). Behavioural intention to adopt mobile wallet: a developing country perspective. Journal of Indian Business Research, 8(3), 227-244.
Mohammadi, H. (2015). A Study of Mobile Banking Usage In Iran. International Journal of Bank Marketing, 33 (6),733-759.
Mousavian, S, J., & Abbasi, H. (2021). Factors Influencing Mobile Banking Adoption in Iranian Clients. Jurnal Bisnis dan Kewirausahaan (Journal of Business and Entrepreneurship, 9 (1), pp. 51-62.
Paramita, D, A., & Hidayat,A. (2023). The Effect Of Perceived Ease Of Use, Perceived Usefulness, And Perceived Benefits On Interest In Using Bank Syariah Indonesia Mobile Banking. International Journal of Research in Business & Social Science, 12(5), 01-09
Payne, M. E., James, P. W., & Victor, A. B. (2018). Mobile Banking And AI-Enabled Mobile Banking:The Differential Effects Of Technological And Non-Technological Factors On Digital Natives' Perceptions And Behaviour. Journal of Research in Interactive Marketing, 12(3), 328-346.
Petty, R. E., & Cacioppo, J. T. (1986). The Elaboration Likelihood Model Of Persuasion. Advances in Experimental Social Psychology, 19, 123-205.
Priya, R., Viskas Gandhi, A., & Shaikh, A. (2018). Mobile banking: consumer perception towards adoption. Benchmarking: An International Journal, 25, 1-43.
Ratten, V. (2015). International Consumer Attitudes Toward Cloud Computing: A Social Cognitive Theory And Technology Acceptance Model Perspective. Thunderbird International Business Review, 57(3), 217-228.
Raza, S. A., Shah, N., and Ali, M. (2019). Acceptance Of Mobile Banking In Islamic Banks: Evidence From Modified UTAUT Model. Journal of Islamic Marketing, 11(1), 357-376.
Sakala, L. and Phiri, J. (2019) Factors Affecting and Use of Mobile Banking Services in Zambia Based on TAM Model. Open Journal of Business and Management, 7, 1380-1394.
Sanbonmatsu , D. M., Vanous, S., & Posavac, S. S. (2005). The Multiple Roles Of Attitudes In Decision Making. The Routines of Decision Making, 101-116.
Shaikh, A. A., & Karjaluoto, H. (2015). Mobile Banking Adoption: A Literature Review. Telematics and Informatics, 32(1), 129-142.
Shaikh, I. M., Qureshi, M. A., Noordin, K., Shaikh, J. M., Khan, A., and Shahbaz, M. S. (2020). Acceptance Of Islamic Financial Technology (Fintech) Banking Services By Malaysian Users: An Extension Of Technology Acceptance Model. Foresight, 22(3), 367-383.
Sharma, S., and Khurana, M. K. (2022). An Era Of Digitalization: Mobile Banking Adoption In India. Journal of Science and Technology, 1-21.
Singh, A. K., & Sharma, P. (2022). A Study Of Indian Gen X And Millennials Consumer's Intention To Use Fintech Payment Services During COVID-19 Pandemic. Journal of Modelling in Management, 1746-5664.
Singh, S., Sahni, M. M., and Kovid, R. K. (2020). What Drives Fintech Adoption? A Multi-Method Evaluation Using An Adapted Technology Acceptance Model. Management Decision, 58(8), 1675-1697.
Sugiarto, A. (2016). Gender Differences in The Adoption Mobile Banking: A Review of Using TAM on Banking Customers. Jurnal Dinamika Akuntansi, 8 (1), 53-59.
Suhartanto, D., Ismail, and Sundari. (2019). Kualitas Layanan Pengaruhnya Terhadap Perilaku Konsumen. Jurnal Ekonomi dan Manajemen Universitas Trisakti, 19, 79-86.
Sumargo, Y., Suharno, & Indriastuti, H. (2021). The Effect Of Perceived Of Usefulness, Perceived Ease of Use, And Mindfulness o Shaikh, A. A., & Karjaluoto, H. (2015). Mobile Banking Adoption: A Literature Review. Telematics and Informatics, 32(1), 129-142n Attitude and Intention to Use Mobile Banking Maybank Bank. International Journal of Business and Management Invention, 10(11), 47-54.
Usman, H., Mulia, D., Chairy, C., and Widowati, N. (2020). Integrating Trust, Religiosity And Image Into Technology Acceptance Model: The Case Of The Islamic Philanthropy In Indonesia. Journal of Islamic Marketing, 13(2), 381-409.
Widaningsih, E. (2021). Technology Acceptance Model To Measure Customer's Interest To Use Mobile Banking. Journal of Industrial Engineering and Management Research, 2(1), 73-82.
Yu, C, S. (2012). Factors Affecting Individuals To Adopt Mobile Banking:Empirical Evidence From The UTAUT Model. Journal of Electronic Commerce Research. 13 (2).