The Use Analysis of Internet Banking among SMEs Entrepreneurs

Indra Sungkana Nugraha, Apriani Dorkas Rambu Atahau

Abstract


The increasing number of financial transaction activities resulted in a need of the fast, safe and efficient transaction.The increasing number of financial transaction activities resulted in people to require a payment means that was fast, safe and efficient in making transactions. Internet banking as one of the modern financial transaction means offered many conveniences in the activities. We investigated the factors that influenced the interests that had an impact on the behavior of SMEs in using internet banking. The samples of this research were 129 SMEs entrepreneurs who used internet banking in Salatiga. By using TAM modification namely Trust and Risk in Technology Acceptance Model (TRiTAM) and also actual system usage variable, we found that pertinence perception, convenience perception, attitude, and trust were factors that affected interest and affected the behavior of internet banking usage in transaction activities. The implication of this research was that the relationship among trusts, risk, and technology acceptance model with transaction behavior and internet banking could be mediated by customer interest. Abstrak

JEL Classification: G41, G21

DOI: https://doi.org/10.26905/jkdp.v22i3.1798


Keywords


Actual System Usage; Attitude; Convenience Perception; Interest; Pertinence Perception; Trust and Risk in Technology Acceptance Model (TRiTAM)

Full Text:

PDF

References


Citradika, D. P. (2018). Transaksi non tunai pada UMKM batik Pekalongan: Sebuah tinjauan empiris. Thesis. Magister Manajemen Fakultas Ekonomi dan Busniness. UKSW. Salatiga.

Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(5), 319-339. http://dx.doi.org/10.2307/249008.

Ghozali, I. (2011). Structural Equation Modelling Metode Alternatif dengan Partial Least Square. Edisi Ketiga. Semarang: Badan Penerbit Universitas Diponegoro.

Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate Data Analysis. Seventh Edition. New Jersey: Prentice Hall.

Irmadhani, & Nugroho, M. A. (2012). Pengaruh persepsi kebermanfaatan, persepsi kemudahan penggunaan dan computer self eficacy, terhadap penggunaan online banking pada mahasiswa S1 Fakultas Ekonomi Universitas Negeri Yogyakarta. Kajian Pendidikan Akuntansi Indonesia, 1(3), 1-20. Retrieved from: https://journal.uny.ac.id/index.php/jkpai/article/view/882

Chin, J., & Lin, S. C. (2016). A behavioral model of managerial perspectives regarding technology acceptance in building energy management systems. Sustainability, 8(641), 1-13. https://doi.org/10.3390/su8070641.

Jamieson, R., & Lui, H. K. (2003). TriTAM: A model for integrating trust and risk perceptions in business-to-consumer electronic commerce. BLED 2003 Proceedings. 16th Bled E-Commerce Conference E-Transformation. Slovenia.

Kesharwani, A., & Bisht, S. S. (2012). The impact of trust and perceived risk on internet banking adoption in India: An extension of technology acceptance model. International Journal of Bank Marketing, 30(4), 303-322. https://doi.org/10.1108/02652321211236923.

Medyawati, H., Christiyanti, M., & Yunanto, M. (2011). E-banking adoption analysis using technology acceptance model (TAM): Empirical study of bank customers in Bekasi City. 2011 International Conference on Innovation, Management, and Service, 14, 91-95.

Nasri, W., & Charfeddine, L. (2012). Factors affecting the adoption of internet banking in Tunisia: An integration theory of acceptance model and theory of planned behavior. The Journal of High Technology Management Research, 23(1), 1-14. https://doi.org/10.1016/j.hitech.2012.03.001.

Panggalih, R. G., & Baridwan, Z. (2013). Minat individu terhadap penggunaan internet banking: Pendekatan modified theory of planned behavior. Jurnal Manajemen Pemasaran Universitas Brawijaya, 1(2), 1-20. Retrieved from: http://jimfeb.ub.ac.id/index.php/jimfeb/article/view/589.

Pinontoan, W. (2013). Pengaruh e-banking, kualitas pelayanan, kualitas komunikasi, dan kepercayaan terhadap loyalitas nasabah pada PT. Bank Mandiri Cabang Manado. Jurnal EMBA, 1(4), 192-201. Retrieved from: https://ejournal.unsrat.ac.id/index.php/emba/article/view/2650

Safeena, R., Kammani A., & Date, H. (2011). Internet banking adoption in an emerging economy: Indian consumer’s perspective. International Arab Journal of e-Technology, 2(1), 56-63.

Sholihin, M., & Ratmono D. (2013). Analisis SEM-PLS dengan WarpPLS 3.0: Untuk hubungan nonlinear dalam penelitian sosial dan bisnis. Yogyakarta: Penerbit Andi.

Sulastini, N. P., & Warmika, I. G. K. (2014). Aplikasi TAM, persepsi risiko, dan kepercayaan dalam menjelaskan niat menggunakan internet banking. E-jurnal manajemen Universitas Udayana, 3(4), 1100-1118. Retrieved from: https://ojs.unud.ac.id/index.php/Manajemen/article/view/7584

Szopinski, T. S. (2016). Factors affecting the adoption of online banking in Poland. Journal of Business Research, 69(11), 4763-4768. http://dx.doi.org/10.1016/j.jbusres.2016.04.027

Venkatesh, V., & Davis, F. D. (1996). A model of the antecedents of perceived ease of use: Development and test. Decision Sciences, 27(3), 451-481. https://doi.org/10.1111/j.1540-5915.1996.tb00860.x.

Yousafzai, S., & Mirella, Y. S. (2012). Understanding customer-specific factors are underpinning internet banking adoption. International Journal of Bank Marketing, 30(1), 60-81. https://doi.org/10.1108/02652321211195703




DOI: https://doi.org/10.26905/jkdp.v22i3.1798

Refbacks

  • There are currently no refbacks.


Bookmark and Share


Jurnal Keuangan dan Perbankan (Journal of Finance and Banking)

Diploma Program of Banking and Finance, Faculty of Economics and Business, University of Merdeka Malang

Published by University of Merdeka Malang

Mailing Address:
2nd floor Finance and Banking Building, Jl. Terusan Raya Dieng No. 57 Malang, East Java, Indonesia
Phone: +62 813-3180-1534
Email: jkp@unmer.ac.id

This work is licensed under a Creative
Commons Attribution-ShareAlike 4.0