Faktor-faktor Yang Mempengaruhi Pengguna Menggunakan Aplikasi Perbankan Jenius Di Jabodetabek

Hutami Rizki Islamy, Nurvita Trianasari

Abstract

Abstract This study aims to investigate factors regarding customers using and adopting genius banking applications. The method used in this research is quantitative. The expanded model, based on the Technology Acceptance Model (TAM) which consists of the model of Perceived Ease of Use, Perceived Usefulness, Bank Credibility, Perceived Risk, Perceived Trust, Attributes, Intention to Adopt. source of data obtained from 385 respondents genius banking application users in Jabodetabek. The sampling technique used was purposive sampling. This study uses a regression analysis model that is processed with IBM SPSS 25 software. The results of this study are there are direct statistical relationships for the variables perceived ease of use, perceived usefulness, bank credibility, perceived trust with attitudes to use Jenius banking applications. There is an indirect statistical relationship for the perceived risk variable with attitudes to use the Jenius banking application. Also, there is a direct statistical relationship for the variables of attitudes with intention to adopt to use Jenius banking applications Keywords— TAM; digital banking; attitude; intention Abstrak Penelitian ini bertujuan untuk menyelidiki faktor-faktor mengenai pelanggan menggunakan dan mengadopsi aplikasi perbankan jenius. metode yang digunakan dalam penelitian ini yaitu kuantitatif. Model yang diperluas, berdasarkan Technology Acceptance Model (TAM) yang terdiri dari model Perceived Ease of Use, Perceived Usefulness, Bank Credibility, Perceived Risk, Perceived Trust, Atittudes, Intention to adopt. sumber data yang diperoleh dari 385 responden pengguna aplikasi perbankan jenius di jabodetabek.Teknik pengambilan sampel yang digunakan adalah purposive sampling. Penelitian ini menggunakan model analisis regresi yang diproses dengan software IBM SPSS 25. hasil dari penelitian ini yaitu terdapat hubungan statistik langsung untuk variabel perceived ease of use, perceived usefulness, bank credibility, perceived trust dengan atittudes untuk menggunakan aplikasi perbankan Jenius. Terdapat hubungan statistik tidak langsung untuk variabel perceived risk dengan atittudes untuk menggunakan aplikasi perbankan Jenius. Serta, terdapat hubungan statistik langsung untuk variabel atittudes dengan intention to adopt untuk menggunakan aplikasi perbankan Jenius. Kata kunci— TAM; digital banking; attitude; intention

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