The Role of Trust and Technology Acceptance Model(TAM) on Customer Acceptance of Mobile Banking

This paper studies the need to integrate trust and Technology acceptance model (TAM) to understand the behaviour intention of the customer to use mobile banking. The present study focuses through literature review on trust related antecedents and technology related constructs and its influence on customer decision. It covers disposition to trust, institution-based trust, cognitive-base trust, security and privacy as five potential antecedents of trust. The study concludes that two technology attributes which are perceived ease of use and perceived usefulness to be beneficial for the usage of mobile banking. It suggests an integrated model that incorporates the five trust antecedents and two technology-related antecedents on its influence on customers’ decision to use mobile banking.

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MINAT NASABAH MENGGUNAKAN MOBILE BANKING DENGAN MENGGUNAKAN KERANGKA TECHNOLOGY ACCEPTANCE MODEL (TAM) (Studi Kasus PT Bank Syariah Mandiri Cabang Yogyakarta)

JESI (Jurnal Ekonomi Syariah Indonesia) ◽

10.21927/jesi.2015.5(2).137-150 ◽

2016 ◽

Vol 5 (2) ◽

pp. 137

Author(s):

Imam Sugih Rahayu

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Behavioral Intention ◽

Ease Of Use ◽

Perceived Usefulness ◽

Mobile Banking ◽

Perceived Ease Of Use ◽

Perceived Credibility ◽

Acceptance Model

Abstrak Mobile Banking adalah salah satu pelayanan jasa bank yang memungkinkan nasabah untuk memperoleh informasi, melalui jaringan internet. Penerimaan dan manfaatkan yang dirasakan nasabah secara langsung dinilai berdasarkan persepsi penggunaan melalui kerangka TAM. Oleh karena itu tujuan dari penelitian ini adalah untuk mengetahui Faktor-Faktor Yang Mempengaruhi Minat Nasabah Menggunakan Mobile Bangking Dengan Kerangka Technology Acceptance Model (TAM). Penelitian ini merupakan penelitian survey dengan jenis penelitian kausalitas. Populasi dan sampel dalam penelitian ini nasabah BSM Cabang Yogyakarta yang menggunakan Mobile Banking yang berjumlah 376. Metode pengumpulan menggunakan koesioner yang telah diuji sebelumnya ke 30 responden dan dilakukan uji validitas dan reliabilitas yang menghasilkan 100% pertanyaan dikatakan valid dan layak untuk digunakan. Metode penelitian menggunakan uji analisis regresi berganda dengan bantuan software SPSS versi 17. Hasil yang diperoeh dari penelitian ini adalah Presepsi manfaat (perceived usefulness) berpengaruh positif terhadap minat perilaku menggunakan Mobile Banking. Dimana tingginya atau meningkatnya Presepsi manfaat (perceived usefulness) maka akan meningkatkan minat perilaku menggunakan Mobile Banking. Persepsi kemudahan penggunaan (perceived ease of use) berpengaruh negatif terhadap minat perilaku menggunakan Mobile Banking. Tingginya Persepsi kemudahan penggunaan (perceived ease of use) akan menurunkan minat perilaku menggunakan Mobile Banking. Presepsi kredibilitas (perceived credibility) berpengaruh positif terhadap minat perilaku menggunakan Mobile Banking. Tingginya Presepsi kredibilitas (perceived credibility) akan meningkatkan minat perilaku menggunakan Mobile Banking. Informasi tentang Mobile Banking berpengaruh positif terhadap perilaku menggunakan Mobile Banking. Tingginya Informasi tentang Mobile Banking akan meningkatkan minat perilaku menggunakan Mobile Banking. Keywords: Mobile Banking, perceived usefulness, perceived ease of use, perceived credibility,information of mobile bangking, behavioral intention.

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

International Journal of Innovation in the Digital Economy ◽

10.4018/ijide.2013100104 ◽

2013 ◽

Vol 4 (4) ◽

pp. 61-81 ◽

Cited By ~ 2

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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An Essential Review of Internet Banking Services in Developing Countries

e-Finanse ◽

10.2478/fiqf-2019-0013 ◽

2019 ◽

Vol 15 (2) ◽

pp. 73-86 ◽

Cited By ~ 3

Author(s):

Yadgar M. Hama Khan

Keyword(s):

Developing Countries ◽

Technology Acceptance ◽

Technology Acceptance Model ◽

Action Theory ◽

Internet Banking ◽

Ease Of Use ◽

Perceived Usefulness ◽

Security And Privacy ◽

Perceived Ease Of Use ◽

Acceptance Model

AbstractIn the absence of a literature review for an adoption of internet banking in developing countries, this study was conducted to review and summarize the most evaluated articles in the literature. The significance of this work came from three concepts which are to highlight the concepts of research in developing countries, to accentuate the dominant models which have been used effectively in analyzing the constructs in adopting internet banking, and thirdly, to shed some light on the gaps in the potential applications for the system in the future. The Technology Acceptance Model, Theory of Reasoned Action, Theory of Planned Behaviour, Unified Theory of Acceptance and Use of Technology and Self Designed models have been used by most of the researchers in this review with a higher frequency of the Technology Acceptance Model among them. The results from this review are limited to 28 articles which were selected from a total of 110. The sources were from the search engines of Science Direct, Emerald Insight, Growing Science, International Business Information Management Association and Canadian Central of Science and Education and other different types of journal publications. The factors revealed to have important effects on the acceptance and adoption of the system were trust, perceived ease of use, and perceived usefulness, security and privacy and social influences.

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Using Technology Acceptance Model to Study Customers’ Perception Towards Green Banking

Think India ◽

10.26643/think-india.v22i3.8270 ◽

2019 ◽

Vol 22 (3) ◽

pp. 402-409

Author(s):

Deepak Shrivastava ◽

Apurva Shrivastava ◽

Gyan Prakash

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Perceived Risk ◽

New Technology ◽

Banking System ◽

Point Of View ◽

Ease Of Use ◽

Perceived Usefulness ◽

Perceived Ease Of Use ◽

Acceptance Model

Tech-friendliness in this new era is an important quotient considered and the persons’ acceptance towards the technology frequency matters a lot. But still the frequency varies from person to person, this brought in the concept of Technology Acceptance Model given by Fred Davis in 1989. The theory of TAM is based on two theories that are Theory of Reasoned Action and Theory of Planned Behavior, TAM is extended version of these two. Green Banking is a new technology introduced by the banks that focuses on the growth of Sustainable development and Banking system too. Thus, banks ask their customers to use it or practice it in their daily life transactions. But every customer has their own point of view on the usage of Green banking. Thus, the research aims to understand the customers’ perception towards the Green Banking for this TAM is used. The research states that Perceived risk is the primary factor that is followed by perceived usefulness and perceived ease of use that impacts the decision to use green banking. Thus, the behavioral intention results in actual use of green banking usage for which people are trying to accept the new technology. So, the banks have earned points for creating awareness among their customers but still they have to work hard and clarify their customers’ problems and vanish that hitch that is stopping them to use green banking easily.

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FACTORS AFFECTING THE ADOPTION OF ELECTRONIC MONEY USING TECHNOLOGY ACCEPTANCE MODEL AND THEORY OF PLANNED BEHAVIOR

Journal of Business Economics ◽

10.35760/eb.2019.v24i1.1858 ◽

2019 ◽

Vol 24 (1) ◽

pp. 100-113

Author(s):

Filona ◽

Misdiyono

Keyword(s):

Theory Of Planned Behavior ◽

Technology Acceptance ◽

Technology Acceptance Model ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Electronic Money ◽

Factors Affecting ◽

Acceptance Model

With the rapid growth of information technology, electronic money has played an important and central role in the e-payment. Development of electronic money is able to create a trend less-cash society, which is a society’s behavior using non- cash transactions by utilizing the simplicity offered through electronic transactions. The purpose of this research is to determine the factors affecting the intention to use electronic money. We designed a questionnaire and used it to survey a simple random sampling of people who use of e-money in DKI Jakarta. The actual samples used for the study are 125 respondents. We analyzed the data using Structured Equation Modeling to evaluate the strength of the hypothesized effects. The result of the analysis showed that perceived ease of use has no significant effect on attitudes towards the use of e-money. Perceived ease of use has a significant effect on the perceived usefulness of e-money. Perceived usefulness has no significant effect on the intention to use e-money. Perceived usefulness has a significant effect on attitudes towards the use of e-money. Attitude has a significant effect on the intention to use e-money. Subjective norm has a significant effect on the intention to use e-money. Perceived behavioral control has no significant effect on the intention to use e-money. Keywords: electronic money, technology acceptance model, the theory of planned behavior.

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

JURNAL FASILKOM ◽

10.37859/jf.v9i2.1401 ◽

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

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

JURNAL ILMU MANAJEMEN DAN BISNIS ◽

10.17509/jimb.v10i1.15371 ◽

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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The Determinant of Acceptance of SIMDA (Information System of District Management) Implementation on the Government of Batu City

Journal of Accounting and Business Education ◽

10.26675/jabe.v1i2.8494 ◽

2017 ◽

Vol 1 (2) ◽

pp. 298

Author(s):

Umar Maksum ◽

Zaki Baridwan ◽

Imam Subekti

Keyword(s):

Information System ◽

Technology Acceptance ◽

Technology Acceptance Model ◽

Self Efficacy ◽

Ease Of Use ◽

Perceived Usefulness ◽

Perceived Ease Of Use ◽

Personal Innovativeness ◽

Acceptance Model ◽

Computer Self Efficacy

This study aims to examine the factors influencing the acceptability of SIMDA in the Batu Municipal Government. The research model used the Technology Acceptance Model (TAM), which add external construct from D&M success model of information system and other construct namely the commitment of management, social influence and the Individually influence such as computer self-efficacy and personal innovativenes. This research employed census sampling method. The samples are all official of in financial department who use SIMDA. Results of the research showed that perceived usefulness was affected by management commitment, social influence, information quality, system quality, personal innovativeness, and perceived ease of use. In addition, Computer self-efficacy, and personal innovativeness influenced to perceived ease of use. Furthermore, the acceptance SIMDA was influenced perceived usefulness and perceived ease of use. On the contrary, computer self-efficacy did not affect to perceived usefulnessKeywords: Technology Acceptance Model (TAM), Acceptance SIMDA, perceived usefulness, perceived ease of use

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PENERAPAN TECHNOLOGY ACCEPTANCE MODEL PADA KUALITAS USER EXPERIENCE APLIKASI MULTIMEDIA COMPANY PROFILE BPJS KESEHATAN WONOSOBO

Device ◽

10.32699/device.v10i1.1480 ◽

2020 ◽

Vol 10 (1) ◽

pp. 9-14

Author(s):

Saifu Rohman

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

User Experience ◽

Ease Of Use ◽

Perceived Usefulness ◽

Perceived Ease Of Use ◽

Actual Use ◽

Acceptance Model ◽

Behavioral Intention To Use ◽

User Friendly

Company Profile sebuah perusahaan merupakan sebuah media yang memiliki peran yang sangat penting dalam menunjukkan eksistensinya di dalam berbagai bidang dunia bisnis. Perkembangan dunia teknologi informasi menuntut untuk selalu memberikan sesuatu yang lebih nyaman dan mengedepankan user experience. Metode TAM (Technology Acceptance Model) merupakan salah satu metode yang tepat dalam merancang dan membangun sistem yang user friendly dalam meningkatkan tingkat kepuasan pengguna pada user experience. Dengan mengimplementasikan konstruk-konstruk TAM yang meliputi PU (Perceived Usefulness), PEOU (Perceived Ease of Use), ATU (Attitude Toward Using), BITU (Behavioral Intention to Use) dan AU (Actual Use) maka dapat dipastikan akan meningkatkan tingkat kenyamanan user experience melalui interface yang baik dan sesuai dengan kebutuhan pengguna informasi.

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Analysis of E-Marketplace Use in East Java’s MSMEs Using the Technology Acceptance Model Approach

KnE Social Sciences ◽

10.18502/kss.v5i5.8853 ◽

2021 ◽

Author(s):

Rurid Dwi Anggraeny ◽

Imam Baihaqi

Keyword(s):

Technology Acceptance ◽

Technology Acceptance Model ◽

Behavioral Intention ◽

Technology Use ◽

Ease Of Use ◽

Perceived Usefulness ◽

Intention To Use ◽

Perceived Ease Of Use ◽

Acceptance Model ◽

Behavioral Intention To Use

The e-commerce industry has the potential to be one of the drivers of the domestic economy. One of the impacts of the advancement of e-commerce is the emergence of many online-based marketplaces or so-called e-marketplaces. However, a lot of these online marketplaces sell 90% imported products. In addition, the outbreak of Covid-19 in Indonesia has prompted the government to establish several policies that have significantly reduced MSME performance by up to 70-100%. This study aimed to provide an empirical analysis of the influence of factors based on the Technology of Acceptance Model (TAM) approach, namely e-marketplace self-efficacy, complexity, perceived usefulness, perceived ease of use, attitude towards using, behavioral intention to use, and actual technology use in e-marketplaces. The sample consisted of MSMEs in East Java, especially those engaged in the food and beverage industry sector with ready-to-eat processed food products whose business activities use the Shopee e-marketplace application platform. This is an online shopping marketplace focused on mobile platforms. There were 150 respondents. The Structural Equation Model (SEM) was used. E-marketplace self-efficacy, complexity, perceived usefulness, perceived ease of use, attitude towards using, behavioral intention to use, and actual technology use in e-marketplaces all had positive effects on each other. This showed that a system that offers convenience will improve behavior, habits, and performance for MSMEs in using e-marketplace activities. The theoretical and methodological implications and opportunities for further research are discussed. Keywords: MSMEs, e-marketplace, technology acceptance model

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