scholarly journals Attitude Of Technology And Their Impact On Interest Of Internet Banking

2021 ◽  
Vol 2 (3) ◽  
pp. 183-191
Author(s):  
I Gusti Ayu Ratih Permata DEWI
Keyword(s):  
Technology Use ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Savings And Loans ◽  
Analysis Technique ◽  
Attitudes Towards Technology ◽  
Repeated Use ◽  
Use Of Internet

This study aims to determine the effect of perceived benefits, ease of use and trust in the attitude of using technology and its impact on the intention to use Internet Banking (Empirical Study: Customers of PT. Bank Rakyat Indonesia Tbk, Gianyar Branch). PT. Bank Rakyat Indonesia Tbk as one of the largest banks with branches in every city and units in almost every sub-district level, has become one of the banks used as customers to make savings and loans and other transactions. The data used are primary data. D ata primary obtained from questionnaires distributed to the Customer PT. Bank Rakyat Indonesia Tbk Gianyar Branch. The data analysis technique used is regression analysis multiple linear . The results showed that perceived usefulness, ease of use and trust had an effect on attitudes towards technology use. Furthermore, the attitude of using technology affects the interest in repeated use of internet banking.

Pengaruh Persepsi Kegunaan, Persepsi Kemudahan, Kecepatan, Keamanan 75 dan Kerahasiaan Serta Kesiapan Teknologi Informasi Wajib Pajak terhadap Penggunaan e-Filing Bagi Wajib Pajak Orang Pribadi Di Kota Tangerang, Kecamatan Karawaci

2016 ◽  
Vol 8 (1) ◽  
pp. 75-91 ◽  
Author(s):  
Shelby Devina ◽  
Waluyo Waluyo
Keyword(s):  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Primary Data ◽  
Perceived Ease Of Use ◽  
Analysis Technique ◽  
Convenience Sampling ◽  
The Individual ◽  
Tax Payers ◽  
Selection Of

The objective of this research was to examine the effect of perceived usefulness, perceived ease of use, speed, security and privacy and readiness technology tax payers information to e-Filing usage. The object of this study is the individual tax payers in Tangerang City, Karawaci District. The selection of the sample is determined based on convenience sampling method. Data used in this study was primary data, id est: questionnaires. The respondent in this study were 110. Data analysis technique in this study using multiple linear regression. The result of this study were (1) perceived usefulness have a significant impact towards e-Filing usage; (2) perceived ease of use have a significant impact towards e-Filing usage; (3) speed does not have a significant impact towards e-Filing usage; (4) security and privacy does not have a significant impact towards e-Filing usage; (5) readiness technology tax payers information does not have a significant impact towards e-Filing usage; (6) perceived usefulness, perceived ease of use, speed, security and privacy and readiness technology tax payers information all simultaneously, have a significant impact towards e-Filing usage. Keywords: e-Filing usage, perceived usefulness, perceived ease of use, readiness technology tax payers information, security and privacy.

scholarly journals FACTORS THAT INFLUENCE THE INTENSITY OF THE USE OF DIGITAL PAYMENT (CASE STUDY IN OVO USERS)

2020 ◽  
pp. 89-99
Author(s):  
Triyani Budyastuti
Keyword(s):  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Perceived Ease Of Use ◽  
In Ovo ◽  
Analysis Technique ◽  
Digital Payments ◽  
Questionnaire Method

The purpose of this study is to analyze the factors that influence the intensity of the use of digital payments, especially users of OVO applications. Factors that are suspected to have an influence on the intensity of the use of digital payments in OVO applications are perceived ease of use, perceived risk of use, perceived usefulness of use and trust. The population in this study were all students of the Faculty of Economics, University of Mercu Buana and students of the Faculty of Economics, University of Prof. Dr. Moestopo (Beragama). Sampling was carried out by random sampling method totaling 115 respondents, 60 respondents from the Faculty of Economics, University of Mercu Buana and 55 respondents from the Faculty of Economics, University of Prof. Dr. Moestopo (Beragama). The primary data collection method used is the questionnaire method. Data analysis technique used in this study is multiple regression analysis techniques with test equipment using PLS 3.0. KEYWORDS: Usefulness, Risk, Ease of Use, Trust, Intensity Use of digital payment

scholarly journals Persepsi Manfaat, Kemudahan Penggunaan dan Minat Menggunakan Internet Banking dengan Sikap Sebagai Variabel Intervening

2021 ◽  
Vol 31 (6) ◽  
pp. 1375
Author(s):  
Ni Putu Mahesa Arsita Putri ◽  
I Gusti Ngurah Agung Suaryana
Keyword(s):  
Structural Equation Modeling ◽  
Structural Equation ◽  
Internet Banking ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Equation Modeling ◽  
Analysis Technique

This study aims to determine the effect of perceived usefulness and ease of use on interest in using BRI internet banking with the role of attitude as an intervening variable. The analysis technique used is Structural Equation Modeling (SEM) with a variance based or component based approach with Partial Least Square (PLS). The results of this study indicate that, Perception of benefits has a positive and significant effect on attitudes, Ease of use has a positive and significant effect on attitudes, Perception of benefits has a positive and significant effect on interests, Ease of use has a positive and significant effect on interests, Attitude has positive and significant effect on interest, Perception of benefits has positive and significant effect on interest through attitude as avriable intervening, Ease of use has positive and significant effect on interest through attitude as attitude as intervening variable. Keywords: Perception of Benefits; Ease of Use; Attitude; Interest.

scholarly journals Analysis of the factors affecting the intention of accounting students in STIE Perbanas Surabaya to use Mandiri Internet Banking

2017 ◽  
Vol 6 (2) ◽  
pp. 123
Author(s):  
Hana Pratiwi
Keyword(s):  
Service Quality ◽  
Computer Anxiety ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Accounting Students ◽  
Primary Data ◽  
Perceived Ease Of Use

This study attempts to see the effect of perceived usefulness, ease of use, trust, service quality, and computer anxiety on the intention of accounting students in STIE Perba-nas Surabaya to use Mandiri internet banking. The population is all Accounting Students of STIE Perbanas Surabaya with the sample from Accounting Students (Bachelor Degree) of STIE Perbanas Surabaya. They were taken by using a purposive sampling method, with the criteria of the respondents in batch year of 2011-2014. The independent variables in this study are perception usefulness, perceived ease of use, perceived trust, perceived Service quality and Computer Anxiety, while the dependent variable is the intention of accounting students of STIE Perbanas Surabaya to use Mandiri internet banking. The research method used is quantitative, with primary data obtained from questionnaires. The data analysis technique used is multiple linear regression analysis. The results of this study indicate that the variables of perception usefulness, ease of use, trust, and service quality have significant effect on the inten-tion of accounting students of STIE Perbanas Surabaya to use Mandiri internet bank-ing either simultaneously or partially, but the variable of perceived computer anxiety partially has no significant effect on the intention of accounting student of STIE Per-banas Surabaya to use Mandiri internet banking.

scholarly journals PENGARUH KEMUDAHAN PENGGUNAAN, KEMANFAATAN, SIKAP, RISIKO DAN FITUR LAYANAN TERHADAP MINAT ULANG NASABAH BANK BCA DALAM MENGGUNAKAN INITERNET BANKING

2016 ◽  
Vol 16 (1) ◽  
pp. 160
Author(s):  
Chitra Laksmi Rithmaya
Keyword(s):  
Credit Card ◽  
Service Providers ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Internet Banking ◽  
Ease Of Use ◽  
Primary Data ◽  
Simultaneous Test ◽  
Risk Variable ◽  
Use Of Internet

ABSTRACT The use of Internet as a shopping medium has started to become popular nowadayd. Banking service providers also need to predict the acceptance of the Internet by consumers, and understand why they do such use. This opportunity is used by banks in Indonesia, both government and private banks, because Internet as a media is an innovation that is enough to give the opportunities and challenges in its development. Development of services performed by technology based banking (electronic transaction) in the form of internet banking, mobile based mobile banking (phone banking), the use of ATM (authomatic Teller Machine), Credit Card and others are compulsory for banks in Indonesia to grab market share. Nowadays, internet banking is a major concern and a revolutionary weapon of strategic operations of the bank, for delivering as well as for competing among banks. The problem in this study is whether there are influences of ease of ease of use, usefulness, the attitude of use, risks and service features variables towards the reset interest of the customers of Bank BCA Internet banking. The data used in this study were primary data obtained by distributing questionnaires to customers who use internet banking. By using multiple linear regression analysis, in a simultaneous test using the F test, shown the influence of the independent variables with the dependent variable. Partially, expediency variable (X2) influenced positively and had significant impact on The interest. Partially, attitudinal variables (X3) influenced Positively and had significant impact on the reset interest Partially, risk variable (X4) influenced positively and had Significant impact on the interest. Partially, service features Variables (X5) influenced positively and had significant impact on the reset interest.

Use and Non-Use of Internet Banking Among Elderly People in Nigeria

2020 ◽  
Vol 7 (2) ◽  
pp. 42-54
Author(s):  
Funmilola Olubunmi Omotayo
Keyword(s):  
Digital Divide ◽  
Elderly People ◽  
Elderly Population ◽  
The Elderly ◽  
Internet Banking ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Facilitating Conditions ◽  
Use Of Internet

Existing research in electronic banking has not deeply investigated the determinants of use and non-use of Internet Banking (IB) among the older adults who have been found to exhibit reluctance in using ICT. This study, therefore, investigates the factors that influence use and not use IB among elderly people in the Ibadan metropolis, Nigeria. Survey research design was adopted. Findings indicate that, in addition to the TRA (attitude and subjective norms) and TAM (perceived usefulness and perceived ease of use) variables, trust, self-efficacy, security and facilitating conditions are the factors the elderly population consider in choosing to use or not using IB. Findings also reveal that the non-users have the intention of using IB in the future, while the users have the intention of continuing using IB. This study is novel in the sense that no known study have investigated use and non-use of IB among the elderly in Nigeria in a single study. The paper could assist policymakers in promoting and implementing policies that would ensure the financial inclusion of the elderly and reduce the digital divide between this group and the younger ones. Int. J. Soc. Sc. Manage. Vol. 7, Issue-2: 42-54

Analisa Faktor-Faktor Yang Mempengaruhi Penggunaan E-Filing Wajib Pajak Orang Pribadi

2018 ◽  
Vol 9 (2) ◽  
pp. 15-32
Author(s):  
Adisti Putri Utami ◽  
Maria Stefani Osesoga
Keyword(s):  
Information Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Primary Data ◽  
Perceived Ease Of Use ◽  
The Public ◽  
Analysis Technique ◽  
Convenience Sampling ◽  
Selection Of

The objective of this research was to examine the effect of perceived usefulness, perceived ease of use, satisfaction, security and privacy, and taxpayers readiness of information technology toward e-Filing usage. The main purpose of e-Filing implementation was to improve services to the public by facilitating the reporting of SPT electronically through the internet to the taxpayer. The object of this research was individual taxpayers in Tangerang City. The selection of the sample was determined based on convenience sampling method. Data used in this study was primary data. The respondent in this study were 160 individual taxpayers. Data analysis technique in this research was using multiple linier regression. The result of this study were (1) perceived usefulness had significant effect to e-Filing usage; (2) perceived ease of use had significant effect to e-Filing usage; (3) satisfaction had significant effect to e-Filing usage; (4) security and privacy had no effect to e-Filing usage; (5) taxpayers readiness of information technology had significant effect to e-Filing usage. Furthermore, perceived usefulness, perceived ease of use, satisfaction, security and privacy, and taxpayers readiness of information technology had influence simultaneously to e-Filing usage. Keywords: e-Filing usage, perceived ease of use, perceived usefulness, satisfaction, security and privacy, taxpayers readiness of information technology.

Financial Innovations and Performance of Commercial Banks in Kenya

2020 ◽  
Vol 2 (2) ◽  
pp. 21-33
Author(s):  
Naomi Wanja Ireri ◽  
Gladys Kimutai
Keyword(s):  
Rural Areas ◽  
Commercial Banks ◽  
Internet Banking ◽  
Ease Of Use ◽  
Primary Data ◽  
The Internet ◽  
Mobile Banking ◽  
Good Opportunity ◽  
Financial Innovations ◽  
Automated Teller Machine

Commercial banks in Kenya have embraced alternative banking channels which represent a shift in delivery of banking and financial services since the alternative banking have become synonymous with commercial banks in Kenya. While banks have succeeded in leveraging available technology and provide alternative avenues to customers for banking services, the challenge it faces today is optimizing the usage of these channels so as to improve on their performance. The general objective of this study was to investigate the effects of financial innovations on the performance of commercial banks in Kenya. The specific objectives of the study were to examine the influence of internet banking, mobile banking, agency banking and ATM banking on the performance of commercial banks in Kenya. The study was guided by agency theory, balanced score card and diffusion of innovation theory. This study employed a descriptive research design. The study targeted44 commercial banks in Kenya as at 2017. The 16 banks which embrace all the four financial innovations from 2013 to 2017were selected using purposive sampling method. The sample size was 80 respondents who comprised of 5 senior management employees in each of the selected banks.This study used questionnaire to collect primary data from the respondents. Content analysis technique was used to analyze qualitative data collected from open ended questions in and reported in narrative form. Descriptive statistics such as mean and standard deviation were used to analyse the quantitative data. Multiple regression analysis was used to show the relationship between independent variables against dependent variable. The study revealed that internet banking, mobile banking, agency banking and ATM banking had a positive and significant effect on the performance of commercial banks. Thisstudy concludes that the banking industry has benefited tremendously from the development of the Internet. The Internet fundamentally changed the way in which banking networks are designed to meet the client demands and expectations. Mobile banking provides a good opportunity to commercial banks in Kenya to reach many mobile phone subscribers in Kenya who had remained unbanked and unreached due to limited access to bank branch networks in the country. The access to the large masses through mobile banking of the population gives banks the opportunity to grow by reaching the unbanked population. Agency banking has led to accessibility of financial service to many customer in remote areas and hence an increase in effectiveness and efficiency in service delivery. Customers are satisfied with the automated teller machine services because of ease of use, transaction cost and service security but not satisfy with automated teller machine dispense of cash. The study recommends that the public and businesses must be encouraged to use Internet banking in their daily activities, including deposits, payments and money transfers. Commercial banks in Kenya should ensure convenience and security of mobile banking through written guidelines on convenience and security of mobile banking. Commercial banks in Kenya should increase the number of agents in estates and in the rural areas. This can be done by reducing the requirements of becoming a bank agent. The banks should employ customized software that records relevant information on automated teller machine cards so that banks can establish whether unauthorized transaction has taken place or not.

Direct and Indirect Associations of Personality With Audiovisual Technology Acceptance Through General Self-Efficacy

2021 ◽  
pp. 003329412199778
Author(s):  
Maria Manolika ◽  
Rigas Kotsakis ◽  
Maria Matsiola ◽  
George Kalliris
Keyword(s):  
Technology Acceptance ◽  
Student Perceptions ◽  
Technology Use ◽  
Self Efficacy ◽  
Online Survey ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Beliefs About Technology ◽  
General Self Efficacy

Increasing consensus among information systems researchers suggests that personality accounts for the effective use of several technologies, yet less is known about the process through which personality affects user perceptions of technology acceptance. This study, therefore, examined whether personality is associated with student perceptions of audiovisual technology acceptance, and whether general self-efficacy mediates this association. In total, 244 students completed an online survey including measures of personality, general self-efficacy, and perceptions of audiovisual technology acceptance. Canonical correlation uncovered significant associations between personality and student beliefs about technology use. Results further revealed that general self-efficacy fully mediated the effects of openness to experience and neuroticism on Perceived Ease of Use, whereas the association between agreeableness and Perceived Usefulness was partially mediated by self-efficacy beliefs. The fact that personality influences students’ perceptions of technology acceptance both directly and indirectly should not remain unnoticed, especially when designing intervention programs to enhance their academic performance.

scholarly journals PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN, PERSEPSI KEGUNAAN, dan PENGALAMAN TERHADAP MINAT WAJIB PAJAK MENGGUNAKAN SISTEM E-FILING (Studi Kasus Wajib Pajak Orang Pribadi Di Kabupaten Pati)

2016 ◽  
Vol 5 (2) ◽  
pp. 163
Author(s):  
Nanik Ermawati ◽  
Zamrud Mirah Delima
Keyword(s):  
Regression Analysis ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Primary Data ◽  
Perceived Ease Of Use ◽  
Technological Developments ◽  
Modern Era

E-Filing is one of the technological developments in the modern era, in which the taxpayer is easy to report to the tax office use online. This study aims to determine the effect of perceived ease of use, perceived usefulness, andexperience to the interest of individual taxpayers to use the E-Filing.  Research was conducted on an individual taxpayer in Pati regency. The method used regression analysis. The data used in this study are primary data, using a questionnaire. the results of this study indicate that the perceived ease of use, perceived usefulness, and experience affect the interest of taxpayers to use the E-Filing.

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