Analysis of Internet Banking Using Technology Acceptance Model by Experience as Variable Moderation

2014 ◽  
Vol 2 (3) ◽  
pp. 11-18
Author(s):  
Ana Mardiana ◽  
Muchriana Muchran ◽  
Grace T. Pontoh
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Sampling Technique ◽  
Internet Banking ◽  
External Variable ◽  
Service Support ◽  
Internet Connection ◽  
Keywords Internet ◽  
Acceptance Model

Objective - This studyaimed toanalyzethe variablesTAMby addingservice awarenessasexternal variablesandexperienceas a moderating variable. In analyzing thestudy subjectsusedempirical testing. Methodology/Technique - Dataobtained bydistributing questionnaires tointernet banking users. Selection ofthe sampleusingsimple random sampling technique. Hypothesis testingmethodsPartial LeastSquare Findings - The awareness of service support the perceivedease of useandperceived usefulness. Perceivedease of usesupports theperceived usefulness. Perceivedease of usehas no support onintention to use. Perceivedusefulnesshas no support onintention to use. Perceivedease of usesupportstheintention to usetheexperienceas avariablemoderating.Perceivedusefulnesshas no supporton theintention to usetheexperienceas avariablemoderating. Novelty - This research refers toresearch Al Somali(2008) and Mahardika(2010) which examines Awareness of service, Security, Quality of internet connection as an external variable. The variablesthat use isawarenessof servicedue tothe different resultsofthe two researchers. This study alsoaddsvariablemoderationis experience. Experienceis usedforInternet Bankingcan be different dependingon the experiencethey have. Type of Paper - empirical. Keywords: Internet Banking, Technology Acceptance Model, Awareness of Service, Experience

scholarly journals Pengaruh Kondisi Fasilitas dan Pengaruh Sosial Terhadap Konstruk Technology Acceptance Model pada Mahasiswa Konsumen GoPay dan OVO di Jakarta

2020 ◽  
Vol 4 (6) ◽  
pp. 328
Author(s):  
Alfa Gratia Pelupessy ◽  
Yanuar Yanuar
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Structural Equation ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
External Variable ◽  
Tam Model ◽  
Acceptance Model

The research conducted aims to examine the effect of facility conditions and social influences on the technology acceptance model (TAM) construct consisting of perceived usefulness, perceived ease of use, attitude toward using, behavioral intentions to use, and actual use to GoPay and OVO consumers. This research was conducted on students who are actively studying at Tarumanagara University, Trisakti University, and Atmajaya University who are also GoPay and OVO users in April 2019. The sampling technique used is based on the Slovin formula. Source of research data is the result of the distribution of questionnaire instruments, where the assessment of the response of each sample is measured using a Likert scale. The results of data collection are then analyzed using the structural equation model. The results of the study prove that the condition of the facility and social influence as an external variable in the TAM model under study has a positive effect on perceived ease and perceived benefits. The results of this study explain that the better the facilities, which include facilities and infrastructure in the use of GoPay and OVO as e-money, as well as the more people who use GoPay and OVO will tend to have an impact on the formation of perceptions of convenience and perceptions of benefits that are increasingly positive so as to encourage individuals to have a positive attitude and greater interest to use GoPay and OVO to help with the activities or activities undertaken.

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI NASABAH UNTUK MENGADOPSI TEKNOLOGI INTERNET BANKING DI KALIMANTAN BARAT

2019 ◽  
Vol 7 (2) ◽  
pp. 90-98
Author(s):  
Angga Permadi Karpriana
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Internet Banking ◽  
Online Banking ◽  
Acceptance Model

Penelitian ini berjudul bertujuan untuk menguji faktor-faktor apa saja yang mempengaruhi para nasabah bank dalam mengadopsi atau menggunakan layanan internet banking di Indonesia. Penelitian ini fokus terhadap variabel Kenyamanan (Enjoyment), Informasi pada Online Banking (Info on Online Banking), Keamanan dan Kerahasiaan (Security & Privacy), Kualitas Koneksi Internet  Quality of Internet), Sikap Terhadap Penggunaan (Attitude Towards Using) dan juga dua variabel yang terdapat dalam Technology Acceptance Model (TAM).

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 Consumer Acceptance of Online Banking: Application of Technology Acceptance Model

2018 ◽  
Vol 14 (2) ◽  
pp. 41-52
Author(s):  
Sobia Zaman ◽  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Online Banking ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Future Research ◽  
Internet Connection ◽  
Frame Work ◽  
Acceptance Model

This research reports the findings of a study concerning the acceptance of online banking in Pakistan. It investigates customer's adoption within the context of Pakistan online banking services whereby the research frame work is based on the extension of Technology Acceptance Model. The research model included factors that would influence the acceptance of online banking. The frame work dimensions includes online banking usage, quality of internet connection, perceived enjoyment, perceived usefulness, perceived ease of use and security & privacy. A survey was conducted to gather the data for study. Reliability, correlation and factor analysis were used to analyse the data. Results showed that quality of internet connection, amount of information on online banking and security and privacy has positive influence on online banking usage. Theoretical contributions and practical implications of the findings are discussed in the paper and suggestions for future research are proposed.

scholarly journals E-Government Adoption in Tunisia Extending Technology Acceptance Model

2019 ◽  
Vol 6 (4) ◽  
pp. 30-42 ◽  
Author(s):  
Wadie Nasri
Keyword(s):  
Social Influence ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Usefulness ◽  
Stable Model ◽  
Government Services ◽  
Internet Connection ◽  
Proposed Model ◽  
Acceptance Model

The purpose of this study is to examine the factors which affect e-government services adoption of Tunisian's citizens by using a technology acceptance model (TAM). The proposed conceptual model was extended by adding social influence, awareness, and quality of internet connection. The proposed model was empirically tested using survey data provided by 150 respondents and was analyzed using a structural equation model (SEM). The findings indicate that the proposed model is a stable model and a good explanatory. Perceived usefulness is predicted mutually by social influence and awareness. Moreover, perceived ease of use is predicted by quality of internet connection. This study contributes to the literature by providing a new research model for understanding e-government services adoption in Tunisia and its findings provide useful guidelines to develop policies and strategies to increase the adoption of e-government services.

scholarly journals EVALUASI TINGKAT PENERIMAAN APLIKASI DATA POKOK PENDIDIKAN (DAPODIK) MENGGUNAKAN METODE TECHNOLOGY ACCEPTANCE MODEL (TAM) (Studi Kasus : Pemutakhiran Data PIP Menggunakan Aplikasi DAPODIK)

2019 ◽  
Vol 9 (2) ◽  
pp. 396-406
Author(s):  
Aryanto Aryanto
Keyword(s):  
Data Processing ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Basic Education ◽  
Sampling Technique ◽  
Study Groups ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Acceptance Model

ABSTRACT Smart Indonesia Program (PIP) is a direct cash assistance provided to underprivileged students with Smart Indonesia Card (KIP) as a marker / identity to ensure and ensure that children get the assistance of the Smart Indonesia Program. In order to monitor the distribution of KIP and to ensure that KIP has been accepted and can be utilized by the students, the Ministry of Education and Culture shall validate and update KIP recipient data through the Dapodik Application. Dapodik is an online and real time, based application that can be accessed and operated directly by all school operators in data entry, data processing, updating of PIP data, education personnel, students, periodic, sanitation, study groups and data of infrastructure school. This study aimed to evaluate the level of acceptance of basic education data applications (dapodik) using the method of Technology Acceptance Model (TAM). This study used 3 modified variables are Perceived Ease of Use (PEOU) and Perceived Usefulness (PU) as independent variable while Acceptance of IT as dependent variable. This study used simple random sampling as a sampling technique, with the number of respondents as many as 66 people operators. For data analysis techniques, this study used multiple regression techniques with descriptive quantitative research types, as well as data processing tools using SPSS 16.00 for windows software. The results showed that the benefit factor (Perceived Ease of Use) of 43.5%, factor amenity (Perceived Usefulness) of 36.8%. This proves that the more dominant benefit factor influences receipt of Dapodik application usage as PIP data updating application.   Key Words: Aplication of Dapodik, Perceived Ease of Use, Perceived Usefulness, Perceived Usefulness, Acceptance of IT, Technology Accaptance Mod

scholarly journals Analisis Penggunaan E-Commerce Terhadap Peningkatan Permintaan Kuantitas Produk Pada UMKM di Kabupaten Banyumas (Suatu Pendekatan Teori Technology Acceptance Model)

2019 ◽  
Vol 10 (1) ◽  
pp. 63-74
Author(s):  
Dona Primasari ◽  
Sudjono Sudjono ◽  
Nining Abriani
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Structural Equation ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Use Behavior

Abstract. The long-term objective of this research is to enrich the development of science, especially the development of SMEs related to the adoption of information technology with studies using the Technology Acceptance Model. The specific aim of the research is to examine what factors are inhibiting the adoption of e commerce technology in SMEs in Banyumas Regency, as well as examining whether e-commerce adoption has an impact on increasing the demand for product quantities in SMEs. Collecting data in this study was carried out by distributing questionnaires through direct interviews with SMEs in Banyumas District who were respondents. The sampling technique in this study using random sampling technique. Whereas for data analysis using Statistical Product and Service Solution (SPSS) version 22.0 and Structural Equation Modeling (SEM) with AMOS program. The results of the study show that the Technology Acceptance Model theory is able to explain the institutions of SMEs actors to use e-commerce technology. Keywords: E-commerce, perceived usefulness, perceived ease of use, use behavior,TAM (Technology Acceptance Model) Abstrak. Tujuan jangka panjang penelitian ini adalah untuk memperkaya perkembangan ilmu, khususnya pengembangan UMKM terkait dengan adopsi teknologi informasi dengan kajian menggunakan Technology Acceptance Model.  Tujuan khusus penelitian adalah untuk menelaah faktor-faktor apakah yang menghambat adopsi teknologi e commerce pada UMKM di Kabupaten Banyumas, serta menelaah apakah adopsi e- commerce berdampak pada peningkatan permintaaan kuantitas produk pada UKM. Pengumpulan data dalam penelitian ini dilakukan dengan menyebarkan kuesioner melalui antar langsung kepada pelaku UMKM di Kabupaten Banyumas yang menjadi responden.  Teknik pengambilan sampel dalam penelitian ini dengan menggunakan teknik random sampling. Sedangkan untuk analisis data mengunakan Statistical Product and Service Solution (SPSS) versi 22.0 dan Structural Equation Modeling (SEM) dengan program AMOS. Hasil penelitian menunjukkan bahwa teori Technology Acceptance Model  mampu menjelaskan instensi para pelaku UMKM untuk menggunakan teknologi e-commerce.  Hasil penelitian juga berhasil menerima 3 (tiga) hipotesis yaitu Perceived usefulnes  berpengaruh terhadap use behavior, Perceived ease of use berpengaruh terhadap use behavior, use behavior  berpengaruh terhadap peningkatan permintaan kuantitas produk.  Hasil penelitian juga menunjukkan implementasi e-commerce tidak berpengaruh terhadap persepsi manfaat (perceived usefulness), Implementasi e-commerce tidak berpengaruh terhadap persepsi kemudahan pengoperasian sistem  (perceived ease of use) atau dengan kata lain menolak 2 (dua) hipotesis lainnya.Keywords. E-commerce, perceived usefulnes, perceived ease of use, use behavior,peningkatan permintaan, TAM  (Technology Acceptance Model)

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