PREDIKSI INTENSI PERILAKU TERHADAP PENGGUNAAN MOBILE BANKING MENGGUNAKAN THE UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY, TRUST, DAN NETWORK EXTERNALITIES (STUDI PADA PENGGUNAAN MOBILE BANKING DI KOTA BANDUNG)
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Abstract
Perkembangan teknologi yang semakin pesat dan layanan keuangan di era digital berhasil mendorong hadirnya financial technology. Salah satu produk dari financial technology adalah mobile banking. Walaupun penggunaan mobile banking di Indonesia meningkat, Kota Bandung memiliki tingkat presentase kepemilikan akun paling rendah dibandingkan dengan kota-kota lainnya. Metode penelitian yang digunakan dalam penelitian ini adalah metode kuantitatif. Pengumpulan data dilakukan dengan penyebaran kuesioner kepada 400 responden. Teknik analisis data menggunakan analisis deskriptif, uji asumsi klasik, dan analisis regresi linier berganda. Hasil dari penelitian ini menunjukkan bahwa variabel effort expectancy, performance expectancy, social influence, trust, dan network externalities berpengaruh positif signifikan terhadap behavioral intention untuk menggunakan mobile banking sebesar 34% sisanya 66% dipengaruhi oleh faktor lain
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References
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Anderson, J. (2016). M-Banking in developing markets: competitive and regulatory implications. Vol 12 no.1 pp. 1825,2010.
APJII. (2017). kominfo. Retrieved from Laporan Survei APJII: https://web.kominfo.go.id/sites/default/files/Laporan%20Survei%20APJII_2017_v1.3.pdf
Attuquayefio, S., & Addo, H. (2014). Review of Studies with UTAUT as Conceptual Framework. European Scientific Journal.
Bank Indonesia. (2018). Retrieved from Edukasi Perlindungan konsumen edukasi produk dan jasa fintech: https://www.bi.go.id/id/edukasi-perlindungan-konsumen/edukasi/produk-dan-jasa-sp/fintech/Pages/default.aspx
Carter, L., Schaupp, L. C., & Evans, A. (2008). Antecedents to e-File Adoption: The U.S. Perspective. Proceedings of the 41st Hawaii International Conference on System Sciences, 2-7.
Chrismastianto, I. A. (2017). Analisis SWOT Implementasi Teknologi Finansial Terhadap Kualitas Layanan Perbankan di Indonesia. Jurnal Ekonomi dan Bisnis, 133 - 144.
Cruz, P. (2010). Mobile banking rollout in emerging markets: evidence from Brazil. The International Journal of Bank Marketing, 342-271.
Dass, R., & Pal, S. (2011). A Meta Analysis on Adaption Mobile Financial Services. Indian Institute Of Management Ahmebadad.
Dewayanti, A., Kusyanti, A., & Herlambang, A. D. (2018). Faktor-faktor yang mempengaruhi minat nasabah dalam menggunakan layanan mobile banking dengan menggunakan UTAUT. Jurnal Pengembangan Teknologi Informasi dan Ilmu Komputer, 2798-2805.
Indrawati. (2015). Metode Penelitian Manajemen dan Bisnis. Bandung: Refika Aditama.
Jogiyanto. (2007). Sistem Informasi Keperilakuan. Yogyakarta: C.V Andi Offset
Lewis, N. K., Palmer, A., & Moll, A. (2010). Predicting young consumers’ take up of mobile banking services. International Journal of Bank Marketing, 410-432.
Lin, H. F. (2011). An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust. International journal of information management, 253-259.
Marsindonesia. (2013). Retrieved from Awareness Penetrasi Mobile Banking Melonkak Tinggi: https://www.marsindonesia.com/newsletter/awareness-penetrasi-mobile-banking-melonjak-tinggi
Pearson, J. M., & Shanab, E. A. (2007). Internet Banking in Jordan: the Unified Theory of Acceptance and Use of Technology (UTAUT) perspective. System and Information Technology.
Qasim, H., & Shanab, E. A. (2015). Drivers of mobile payment acceptance: The impact of network externalities. Inf Syst Front.
Sekaran, U., & Bougie, R. (2009). Research Methods for Business: A Skill Building Approach.
Sugiyono. (2016). Metode Penelitian. Bandung: ALFABETA.
Taylor, S., & Todd, P. A. (1995). Understanding Information Technology Usage: A Test of Computing Models. Institute for Operation Research and the Management Sciences.
Vankatesh, V., Thong, J. Y., & Xu, X. (2003). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly.
Wang, S., Zeng, S., Xu, L., Li, D., & Meng, H. (2008). A literature review of electronic marketplace research: Themes, theories and an integrative framework. Information Systems Frontiers, 555-571.
Wewege, L. (2016). The Digital Banking Revolution. New York: CreateSpace Independent Publishing Platform.
Wulandari, N. P., & Moeliono, N. K. (2017). Analisis Faktor-Faktor Penggunaan Layanan Mobile Banking di Bandung. Bisnis dan Iptek, 139-149.
Yang, K. (2005). Exploring factors affecting the adoption of mobile commerce in Singapore. Telematics and Informatics.
Yang, S., Lu, Y., Gupta, S., Cao, Y., & Zhang, R. (2012). Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits. Computers in Human Behavior, 129-142.
Yu, C.-S., & Tao, Y. H. (2013). Enterprise e-marketplace adoption: from the perspectives of technology acceptance model, network externalities, and transition costs. Journal of International Management.
Zhou, T. (2011). The effect of initial trust on user adoption of mobile payment. Information Development.