scholarly journals PENGARUH TRUST, RISK AND TECHNOLOGY ACCEPTANCE MODELS TERHADAP KEPUTUSAN NASABAH DENGAN MINAT NASABAH SEBAGAI VARIABEL INTERVENING

2017 ◽  
Vol 5 (1) ◽  
Author(s):  
Sri Ismulyaty ◽  
Wiwin Siswantini
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Internet Banking ◽  
Perceived Usefulness ◽  
Technology Acceptance Models ◽  
Banking Risk ◽  
Acceptance Model ◽  
The Relationship

Sri Ismulyaty dan Wiwin Siswantini: The purpose of this study was to determine the influence of trust, risk and technology acceptance models, perceived case of use, perceived usefulness, perceived of credibility, the customers' interest in using internet banking? And how to influence customers' interest in using internet banking to the decision in dealing with internet banking? As well as how to influence customers' interest in using internet banking mediates the relationship between trust, risk and technology acceptance models with decisions in dealing with internet banking?Discussion of the results of this study can be drawn the following conclusions: Trust affect the customers' interest in using internet banking, Risk affect the customers' interest in using internet banking, Perceived case of use affect the customers' interest in using internet banking, Perceived usefullnes affect the interest of the customer in using internet banking, Perceived of credibility affect the customers' interest in using internet banking, interest customers in using internet banking influence the decision in the transaction, interest customers in using internet banking may mediate the relationship between trust, risk and technology acceptance models with the decision in the transaction with internet banking.Key Words: Trust, Risk And Technology Acceptance Model Keputusan Nasabah, Minat Nasabah

Perceived Usefulness and Ease of Use of Mobile Government Services

2020 ◽  
Vol 11 (1) ◽  
pp. 1-16
Author(s):  
Isaac Kofi Mensah
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Government Service ◽  
Government Services ◽  
Acceptance Model ◽  
The Relationship

This study examined the moderating effect of electronic word of mouth (eWOM) communications on the relationship between the perceived usefulness (PU) and perceived ease of use (PEOU) of mobile government services and the intention to use mobile government services. The Technology Acceptance Model was used as the theoretical framework and the data analysis was done with SPSS. The results have shown that there was a significant moderating impact of eWOM on both the relationship between PU and PEOU and the intention to use mobile government services. In addition, perceived usefulness and perceived ease of use of mobile government service were significant in determining the intention to use mobile government services. Also, PEOU was found to be a determinant of the PU of mobile government services. The implications of these findings are discussed.

An expansion of the technology acceptance model applied to the halal tourism sector

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Izra Berakon ◽  
Muhammad Ghafur Wibowo ◽  
Achmad Nurdany ◽  
Hendy Mustiko Aji
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Young Generation ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Acceptance Model ◽  
The Relationship

Purpose The increasing number of tourists in the Muslim world every year has encouraged digital business developers and the Sharia banking industry to integrate halal product and service apps with the Sharia mobile banking system. The fourth wave of the industrial revolution has changed the consumer paradigm, creating a young generation that uses digital service transaction systems in their daily lives. This paper aims to investigate the factors that determine intention to use halal tourism apps amongst Muslim tourists to provide insights promoting the development of halal tourism in Indonesia. Design/methodology/approach The research was conducted using an online survey approach. The sample comprised 205 Muslim Millennial and Generation Z travellers. The data collected were analysed using partial least square structural equation modelling. There were three analysis stages: evaluation of the measurement model, assessment of the structural model and hypothesis testing. Findings The findings indicated that trust mediated the relationship between perceived ease of use and perceived usefulness on individual intentions and that halal knowledge positively and significantly impacted individual intentions. In contrast, religiosity was not a significant influence on individual intentions. Originality/value The paper expanded the technology acceptance model by incorporating the key constructs of halal knowledge, religiosity and trust into an integrated research framework; this represented a novel step, especially in the context of halal tourism. The finding that trust mediated the relationship between perceived ease of use and perceived usefulness fills a gap in previous research, which has rarely included the trust construct in technology acceptance models.

scholarly journals Technology Acceptance Model for Zimbabwe: The Case of the Retail Industry in Zimbabwe

2017 ◽  
Vol 4 (3) ◽  
pp. 56
Author(s):  
Cinderella Dube ◽  
Victor Gumbo
Keyword(s):  
Technology Acceptance ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Retail Industry ◽  
Perceived Ease Of Use ◽  
Point Of Sale ◽  
Automated Teller Machines ◽  
Technology Acceptance Models ◽  
Acceptance Model

The retail industry in Zimbabwe has embraced the use of a variety of technologies in order to survive in this ever changing technological era. However, little research has been done on the adoption and use of these technologies and no model has been developed to date. The aim of this paper was to develop a model best suited to the Zimbabwean retail industry in order to enhance the successful adoption and use of online transaction platforms. The online transaction platforms used to develop the model were Internet banking, Automated Teller Machines, Mobile banking and Point of Sale. A three-sample dataset comprising of 268 bank and supermarket customers, 56 bank managers and 31 supermarket managers was used. Pearson’s correlation coefficient was used to determine the relationship between the given factors influencing adoption and use of online transaction platforms and the constructs perceived ease of use and perceived usefulness. The resultant TAMZIM model borrowed ideas from the Technology Acceptance Models proposed by Fred Davis in the mid-80s.

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>

scholarly journals Perceived usefulness, service quality and loyalty incentives: Effects on electronic service continuance

2007 ◽  
Vol 38 (3) ◽  
pp. 39-48 ◽  
Author(s):  
R. Naidoo ◽  
A. Leonard
Keyword(s):  
Service Quality ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Positive Relationship ◽  
Marketing Research ◽  
Perceived Usefulness ◽  
Service Users ◽  
Electronic Service ◽  
Acceptance Model ◽  
The Relationship

This paper examines the interrelationships between perceived usefulness, service quality and loyalty incentives on e-service continuance. The Technology Acceptance Model (TAM) was adapted from the information systems (IS) literature and integrated with theoretical and empirical findings from prior marketing research to theorise a model of e-service continuance. Results from a survey of a financial healthcare’s e-service users indicate a positive relationship between perceived usefulness, service quality and loyalty incentives on continuance. Further analysis strongly suggest that continuance is determined solely by the higher perceived usefulness of the e-service while service quality is more effective at lower levels of perceived usefulness. Loyalty incentives did not moderate the relationship between perceived usefulness and continuance. Implications of these findings for firms contemplating e-service initiatives are discussed.

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.

PENGGUNAAN TECHNOLOGY ACCEPTANCE MODEL (TAM) DALAM ANALISIS NIAT PERILAKU PENGGUNAAN INTERNET BANKING PADA MAHASISWA UNIVERSITAS TELKOM

2019 ◽  
Vol 3 (2) ◽  
pp. 215-229
Author(s):  
Rafi Irbah Kusumawati ◽  
Brady Rikumahu
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Behavioral Intention ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Behavioral Intention To Use

Perkembangan teknologi informasi telah mengubah cara hidup masyarakat. Mereka menginginkan aktivitasnya untuk menjadi lebih cepat, mudah dan aman. Internet banking merupakan salah satu kemajuan teknologi informasi yang digunakan untuk memberikan pelayanan yang lebih baik bagi nasabah, dengan menghubungkan transaksi perbankan dan internet. Tujuan penelitian ini adalah untuk mengetahui pengaruh faktor-faktor pada Technology Acceptance Model (TAM) yaitu perceived ease of use, perceived usefulness, attitude toward use, dan behavioral intention to use layanan internet banking. Penelitian ini menggunakan metode purposive sampling dengan sampel 380 responden di Universitas Telkom. Metode analisis pada penelitian ini adalah Partial Least Square. Hasil dari penelitian ini adalah perceived ease of use berpengaruh positif terhadap perceived usefulness, perceived ease of use berpengaruh positif terhadap attitude toward use, perceived usefulness berpengaruh positif terhadap attitude toward use, perceived usefulness berpengaruh positif terhadap behavioral intention to use, serta attitude toward use berpengaruh positif terhadap behavioral intention to use penggunaan internet banking.

ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENERIMAAN NASABAH TERHADAP LAYANAN INTERNET BANKING DENGAN MENGGUNAKAN PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL (TAM)

2012 ◽  
Author(s):  
Popi Fauziati
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Self Efficacy ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Computer Self Efficacy

This study aims to analyze the factors that affect customer acceptance of internet banking services with the approach Technology Acceptance Model (TAM). The sample in this study is internet banking users in Padang. The sampling technique with purposive sampling method. The total of questionnaire distributed counted 140 and able to be used  118. The study use Structural Equation Modeling (SEM) with AMOS application version 16.0. The results of this study indicated that: (1) personalization have a  significant effect on perceived usefulness. (2) personalization have a  significant effect on perceived ease of use. (3) computer self efficacy doesn’t significant effect on perceived usefulness. (4) computer self efficacy doesn’t significant effect on perceived ease of use. (5) trust doesn’t significant effect on perceived usefulness. (6) trust doesn’t significant effect on perceived ease of use. (7) perceived ease of use doesn’t significant effect on perceived usefulness.

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