Customer Attitude Towards Using Mobile Banking Di Indonesia

Danies Mariyam Widyawati, Nadya Novandriani Karina Moeliono

Abstract

Abstrak Mobile Banking merupakan layanan jasa yang berbasis aplikasi untuk melakukan transaksi perbankan melalui jaringan internet atau online. Salah satu kemudahan yang didapatkan oleh nasabah dan pengguna mobile banking yaitu dapat melakukan transaksi dan mencari informasi pada fitur aplikasi yang telah disediakan dalam mobile banking. Perceived ease of use dan perceived usefulness memiliki dampak positif secara langsung pada atitude towards using pada aplikasi mobile banking. Maka dari itu variabel attitude towards using yang digunakan pada penelitian ini memiliki pengaruh terhadap aplikasi mobile banking yaitu berupa kemudahan maupun penggunaan aplikasi oleh pengguna. Tujuan dari penelitian ini adalah untuk mengetahui peran dan pengaruh variabel perceived ease of use dan perceived usefulness terhadap attitude towards using dalam pengguna aplikasi mobile banking di Indonesia. Metode yang digunakan pada penelitian ini yaitu metode luantitatif, dengan tipe analisis deskriptif-kausal. Pengambilan sampel menggunakan metode non-probability sampling dengan jenis purposive sampling sebesar 100 responden pengguna aplikasi mobile banking di Indonesia[. Teknik analisis data yang digunakan adalah teknik analisis deskriptif dan analisis Partial Least Square – Structral Equation Model (PLS-SEM). Kata Kunci :Perceived Ease of Use, Perceived Usefulness dan Attitude Towards Using. Abstract Mobile Banking is an application-based service to perform banking transactions via internet or online network. One of the convenience gained by customers and users of mobile banking is to conduct transactions and seek information on application features that have been provided in mobile banking. Perceived ease of use and perceived usefulness have a direct positive impact on the attitude towards using in mobile banking applications. Therefore the variable attitude towards using that is used in this research has an effect on the application of mobile banking that is in the form of ease and usage of application by user. The purpose of this research is to know the role and influence of variable perceived ease of use and perceived usefulness toward attitude towards using in mobile banking application user in Indonesia. The method used in this research is the method of quantitative, with the type of descriptivecausal analysis. Sampling using non-probability sampling method with purposive sampling type of 100 respondents of mobile banking application users in Indonesia [. Data analysis technique used is descriptive analysis technique and Partial Least Square - Structral Equation Model (PLS-SEM) analysis. Keyword: Perceived Ease of Use, Perceived Usefulness, Attitude Towards Banking, Technology Acceptance Model and Mobile Banking

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