scholarly journals ANALISIS ADOPSI LAYANAN INTERNET BANKING OLEH NASABAH PERBANKAN DI PEKANBARU (Technology Acceptance Model) Eni Noviarni

2017 ◽  
Vol 10 (1) ◽  
pp. 26
Author(s):  
Eni Noviarni
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Descriptive Analysis ◽  
Internet Banking ◽  
Ease Of Use ◽  
Banking Services ◽  
Spss Software ◽  
Acceptance Model ◽  
Internet Banking Services ◽  
The City

This study aims to analyze the factors that affect adoption of internet banking services by bank customers in the city of Pekanbaru to approach the Technology Acceptance Model (TAM). The research method is a survey with    descriptive analysis approach. Data processed and analyzed with statistical models using mul tiple regression help of a computer using SPSS software version 17.Conclusion of this study indicate that the magnitude of usefulness, ease of use, awareness, risk and social influences affect the adoption of Internet banking by bank customers in Pekanbaru.

scholarly journals Factors that Influence the Adoptions of Internet Banking Among Customers

2018 ◽  
Vol 3 (1) ◽  
pp. 35-41
Author(s):  
Muhammad Azimulhakim Bin Haji Saman
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Banking System ◽  
Internet Banking ◽  
Business Systems ◽  
Banking Services ◽  
The World ◽  
Main Factors ◽  
Acceptance Model ◽  
Internet Banking Services

Internet banking is the latest technology that has revolutionized the changes of banking and business systems around the world. However, arrival of technology has an impact on Internet banking and transforms from a traditional banking system to a very useful innovation technology. The purpose of this study is to analyze factors that have influenced users to use Internet banking in doing financial transaction. This study uses content analysis on the previous literatures. The findings showed that there were 10 main different factors which influence the adoption of internet banking by the users. This study also proved that the highest factors which consist of 2 main factors are generated from technology acceptance model (TAM). Contribution of this research are significantly helps bank to have a better understanding on factors that influence the adoption of internet banking as well as help to develop a strategy to improved internet banking services.

scholarly journals Technology Acceptance Model for the Internet Banking Acceptance in Split

2019 ◽  
Vol 10 (2) ◽  
pp. 124-140 ◽  
Author(s):  
Marija Vuković ◽  
Snježana Pivac ◽  
Duje Kundid
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Financial Services ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
The Internet ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
The City

AbstractBackground: In today’s dynamic environment, electronic banking and electronic commerce have become an inevitable aspect of financial services, so the question of acceptance and use of this kind of technology arises.Objectives: The aim of this research is to determine whether the motivation for using the Internet banking in the city of Split, Croatia, can be explained by perceived ease of use and perceived usefulness as the main elements of the technology acceptance model.Methods/Approach: For the purposes of the research, a survey analysis was applied to the sample of 282 working residents of Split. The gender and age structure of the sample was harmonized with the population to make the results more credible. In order to test the research hypothesis, logistic regression models were used.Results: The results confirmed that both elements of the technology acceptance model significantly influence the acceptance of the Internet banking in the city of Split.Conclusions: It is concluded that demographic and economic characteristics and perception of individuals affect the acceptance and use of the Internet banking in the city of Split. The results showed that both elements of the technology acceptance model influence the acceptance of the Internet banking.

Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model

foresight ◽  
2020 ◽  
Vol 22 (3) ◽  
pp. 367-383 ◽  
Author(s):  
Imran Mehboob Shaikh ◽  
Muhammad Asif Qureshi ◽  
Kamaruzaman Noordin ◽  
Junaid Mehboob Shaikh ◽  
Arman Khan ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Consumer Innovativeness ◽  
Banking Services ◽  
Content Type ◽  
Acceptance Model ◽  
Financial Technology

Purpose This paper aims to examine the determinants that influence bank users’ acceptance for Islamic financial technology (FinTech) services by extending the technology acceptance model (TAM) in the Malaysian context. Design/methodology/approach The survey was conducted using convenience sampling. Moreover, 205 responses were gathered from users of the Islamic bank. On the same note, the literature on determinants of Islamic FinTech acceptance and TAM was reviewed as well in a bid to contribute to the factors that are instrumental in determining the acceptance of FinTech services. Findings Findings of the study reveal that Islamic FinTech’s services acceptance is determined by perceived ease of use, perceived usefulness and also by another variable, which is consumer innovativeness (CI). On the contrary other factors, self-efficacy and subjective norms are found not to be influential in determining Islamic FinTech’s acceptance by Islamic banking users. Originality/value TAM is extended in the context of Islamic FinTech. A new variable, namely, CI is tested using TAM. CI is yet to be tested, therefore, this paper will be a useful reference for the policymakers, academicians and future researchers.

Econometric investigation of internet banking adoption in Greece

2014 ◽  
Vol 41 (4) ◽  
pp. 586-600 ◽  
Author(s):  
Georgia Giordani ◽  
Christos Floros ◽  
Guy Judge
Keyword(s):  
Technology Acceptance ◽  
Internet Banking ◽  
Demographic Characteristics ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Previous Experience ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Content Type ◽  
Internet Banking Services

Purpose – The purpose of this paper is to examine if high branch fees, branch dissatisfaction as well as any previous experience of Greek banking customers with other banking technologies (i.e. Automated Teller Machines (ATMs)) have any impact on the probability of internet banking adoption. Further, the authors comment on the socio-economic and demographic characteristics of Greek banking customers, which effect the decision to adopt internet banking services. Design/methodology/approach – The authors employed the logistic regression model to examine the probability of Greek customers adopting internet banking based on certain demographic characteristics but also due to high branch fees, any dissatisfaction with branch services or due to previous experience of electronic banking technologies (ATMs). Findings – After estimating a logistic model, the authors report that branch dissatisfaction and high branch fees have no impact to the internet banking adoption in Greece, therefore Greek customers prefer to visit branches and are willing to pay high fees for the transactions. However, the authors find that ATM users are more likely to adopt internet banking services in Greece. Research limitations/implications – The authors should employ a technology acceptance model, to test the effect of perceived ease-of-use, perceived usefulness and technology self-efficacy of customers on the probability of e-banking adoption. The authors should also examine other hypotheses using recent data from other European countries and compare the results with those from Greece. Practical implications – The findings are strongly recommended to Greek bank managers. Originality/value – The research is primarily motivated by the lack of similar studies to explain empirically the characteristics of Greek bank customers which affect the adoption of internet banking.

scholarly journals The Effect of Usefulness, Ease of Use, Risk, and Trust to Behavioral Intention in the Use of Internet Banking

2021 ◽  
Vol 1 (1) ◽  
pp. 1-15
Author(s):  
Robino Indan ◽  
Rio Andika ◽  
Muhammad Ridwan ◽  
Robby Darma
Keyword(s):  
Information Technology ◽  
Technology Acceptance ◽  
Internet Banking ◽  
Positive Influence ◽  
Ease Of Use ◽  
Behavior Intention ◽  
Spss Software ◽  
Technology Usefulness ◽  
Acceptance Model ◽  
Use Of Internet

Recently information technology is one of the vital elements in human daily activity supports. One example of information technology measurement is based on the Technology Acceptance Model (TAM), which is an information system that shows how users come to accept and use the technology. Usefulness and Ease of Use are the main reasons that would predispose a person to use such technology. The TAM is also applied to the use of Internet Banking, but there are some more factors that will affect the Behavior Intention in using the Internet Banking including Risk and Trust. The aim of this study is to prove the hypothesis of the variables that affect the Behavior Intention. Research variables were measured using a questionnaire that is processed with SPSS software. The results showed that the four variables studied positive influence on Behavior Intention in the use of Internet Banking.

scholarly journals Determinants of E-Government Implementation Based on Technology Acceptance Model

2020 ◽  
Vol 11 (2) ◽  
pp. 184-197
Author(s):  
Nurkholis Nurkholis ◽  
Rosalina Yuri Anggraini
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Information Needs ◽  
Ease Of Use ◽  
City Government ◽  
System Quality ◽  
Government Services ◽  
Acceptance Model ◽  
The City

This study aims to examine Technology Acceptance Model (TAM) on the implementation of E-Government. Data for this study were collected through a questionnaire survey on the people of Malang City who have used E-Government services. Structural model analysis was performed using smartPLS. The results showed that intention was the main determinant of the use of E-Government services. The determining factor of intention to use E-Government services is positive attitude towards E-Government. Other factors such as system quality, its ease of use, and quality of information do not affect people’s interest in using E-Government services. In other words, E-Government application developed by the City Government has been deemed not easy enough to be applied and not informative enough to meet the information needs of the community. This is a challenge for the City Government to be able to improve and develop the quality of systems and information from its E-Government services so that people are increasingly interested in applying it, for the realization of Malang as a smart city.

scholarly journals Perceived Ease of Use and Trust Towards Intention to Use Online Banking in Malaysia

2020 ◽  
Vol 15 (1) ◽  
pp. 107-114
Author(s):  
Siti Rapidah Omar Ali ◽  
Wan Nur Khadijah Wan Marzuki ◽  
Nur Shafini Mohd Said ◽  
Suhaily Maizan Abdul Manaf ◽  
Nur Dalila Adenan
Keyword(s):  
Technology Acceptance ◽  
Pearson Correlation ◽  
Internet Banking ◽  
Online Banking ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Banking Services ◽  
Municipal Council ◽  
Acceptance Model

The development and invention of technology has transformed the way organizations conduct their businesses currently including banking institutions mainly in offering online banking services. Since the year of 2000, online banking services have been introduced in Malaysia. Still, online banking users in Malaysia are intolerant by issues of trust towards online banking which affect their level of acceptance. This study aims to identify the effect of perceived ease of use and trust towards intention to use internet banking among staff in Municipal Council in Malaysia. Technology Acceptance Model (TAM) was used as a research framework. 265 online banking users in a Municipal Council in Malaysia were tested using self-administered questionnaire. To examine the relationship between perceived ease of use and trust towards the intention to use internet banking, Pearson correlation and multiple regression were employed. The findings showed that perceived ease of use and trust have significant relationship with the intention to use internet banking. The outcomes offered valued information for both financiers and policy makers particularly when designing online banking marketing approaches

scholarly journals Pengaruh Internet Banking Terhadap Minat Nasabah Dalam Bertransaksi Dengan Technology Acceptance Model

2018 ◽  
Vol 5 (1) ◽  
pp. 34-42 ◽  
Author(s):  
Evi Yani ◽  
Ade Fitria Lestari ◽  
Hilda Amalia ◽  
Ari Puspita
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Random Sampling ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Test Reliability ◽  
Coefficient Of Determination ◽  
Keywords Internet ◽  
Acceptance Model

Abstrak Internet banking merupakan salah satu teknologi transaksi perbankan yang ditawarkan oleh bank-bank komersial di Indonesia untuk para nasabah dalam melakukan transaksi seperti transfer, pembayaran, dan sebagainya dengan mudah dan cepat. Sebagian besar nasabah lebih memilih melakukan transaksi dengan internet banking dibandingkan harus mendatangi ke bank, hal ini berdasarkan OJK (Otoritas Jasa Keuangan) mencatat bahwa jumlah pengguna e-banking meningkat sebesar 270 % dari 13,6 juta nasabah pada tahun 2012 menjadi 50,4 juta nasabah pada tahun 2016. Peningkatan terjadi dikarenakan adanya kebutuhan masyarakat dalam memanfaatkan teknologi. Penelitian ini bertujuan untuk mengetahui pengaruh internet banking terhadap minat nasabah dengan TAM (Technology Acceptance Model)yaitu persepsi kemudahan dan persepsi kegunaan. Metode pengumpulan data dengan kuesioner secara random sampling sebanyak 104 responden nasabah BRI dengan menggunakan skala Likert, pengujian data melalui uji validitas, reabilitas, normalitas, linearitas, uji regresi dan koefisien determinasi dan pengolahan kuesioner dengan SPSS. Hasil penelitian menunjukkan bahwa persepsi kemanfaatan penggunaan internet banking terhadap persepsi kemudahan dalam bertransaksi bagi nasabah Bank BRI.Semakin banyak manfaat yang dirasakan para nasabah,maka akan mempengaruhi kemudahan bagi nasabah setiap bertransaksi menggunakan internet banking. Kata Kunci: Internet banking, Technology Acceptance Model, persepsi kemudahan, persepsi kegunaan. Abstract Internet banking is one of the banking transaction technology offered by commercial banks in Indonesia for customers in transactions such as transfers, payments, and so on easily and quickly. Most customers prefer to make transactions with internet banking rather than go to banks, according to OJK (Financial Services Authority) noting that the number of e-banking users increased by 270% from 13.6 million customers in 2012 to 50.4 million customers in the year 2016. Increases occur due to the needs of the community in utilizing technology. This study aims to determine the effect of internet banking on customer interest with TAM (Technology Acceptance Model) that is perception of ease and perception of usability. Methods of collecting data with questioner by random sampling of 104 respondents of BRI customers by using Likert scale, testing data through validity test, reliability, normality, linearity, regression test and coefficient of determination and questionnaire processing with SPSS. The results showed that the perception of the usefulness of internet banking usage on the perception of ease in transactions for customers of Bank BRI. The more benefits perceived by customers, it will affect the convenience for every customer to transact using internet banking. Keywords : Internet banking, Technology Acceptance Model, perceived ease of use, perceived usefulness

scholarly journals A Study of The Factors That Influence The Level of Consumer Satisfaction Towards The Use of Internet Banking

2017 ◽  
Vol 3 (2) ◽  
pp. 87
Author(s):  
Vivi Vivi ◽  
Novita Novita
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Consumer Satisfaction ◽  
Sampling Method ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Information And Communication ◽  
Acceptance Model

<p>The development of Information and Communication Technology (ICT) has become an integral part of people’s life today. Various kinds of business and trade transactions have changed along with the advancement of ICT. One of the sectors that are influenced by the development in information and communication technology is banking. The presence of internet banking has brought more conveniences to the customers in conducting banking transactions anytime and anywhere. However, one of the challenges faced by banks in implementing online banking is the security factor. In addition, consumer satisfaction in conducting internet transactions can be influenced by factors of Technology Acceptance Model (TAM). Technology Acceptance Model (TAM) consists of perceived usefulness and perceived ease of use and excellent service from the provider. The purpose of this study is to determine whether security, perceived usefulness, perceived ease of use, and service quality havepositive influence on internet banking consumer satisfaction. Thetype of research is explanatory research type. The research variables consisting of independent variables are security factor, perceived usefulness, perceived ease of use, and service quality; meanwhile dependent variable is internet banking consumer satisfaction. The sampling technique used is accidental sampling method combined with snowball sampling method. Datais collected through questionnaires and interviews. Methods of data analysis used is Multiple Regression Analysis. The result shows that variables of  security, perceived usefulness, perceived ease of use, and service qualitysimultaneously influence internet banking consumer satisfaction. It shows that the four variables positively affect internet banking consumer satisfaction.</p>

Expanding the Technology Acceptance Model to Examine Internet Banking Adoption in Tunisia Country

2013 ◽  
Vol 4 (4) ◽  
pp. 61-81 ◽  
Author(s):  
Wadie Nasri ◽  
Charfeddine Lanouar ◽  
Anis Allagui
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Self Efficacy ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Perceived Ease Of Use ◽  
Acceptance Model

This paper aims to empirically examine the factors that affect the adoption of Internet banking in Tunisia. In order to explain the factors, this paper extends the “Technology Acceptance Model” by adding additional external factors such as security and privacy, self efficacy, social influence, and awareness of services and its benefits. The findings of the study suggests that the security and privacy, self efficacy, social influence, and awareness of services and its benefits have significant effects on the perceived usefulness (PU), perceived ease of use (PEOU) and attitude toward Internet banking acceptance. Age and education have also significant impact on the attitude towards the likelihood of adopting online banking. These findings may provide for banks useful guidelines for developing Internet banking services and for marketing Internet banking.

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