scholarly journals The Effect Of Perception Of Trust, Perception Of Ease Of Use, Perception Of Benefits, Perception Of Risk And Perception Of Service Quality On Interest In Using Mobile Banking Bank Independent In Bekasi City

2021 ◽  
Vol 2 (5) ◽  
pp. 1722-1730
Author(s):  
Okky Natalia ◽  
Rini Tesniwati
Keyword(s):  
Service Quality ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Primary Data ◽  
Mobile Banking ◽  
Perception Of Risk ◽  
Perceived Service Quality ◽  
Perceived Trust ◽  
Data Collection Instrument ◽  
The City

The purpose of this study was to explain and analyze the effect of perceived trust, perceived convenience, perceived risk, perceived service quality on interest in using mobile banking at Bank Mandiri in Bekasi city. The research methodology used is a quantitative approach. The sample used is the customer of Bank Mandiri Bekasi City as many as 100 respondents. The data collection instrument used primary data. Primary data was obtained by using a questionnaire. Analysis of the data used in this study is multiple linear regression test, classical assumption test, autocorrelation test, multicollinearity test, heteroscedasticity test, determinant test, t test and f test with the help of SPSS version 24. The results showed that partially or simultaneously the perception of trust, perception of convenience, perception of risk, perception of service quality have a significant effect on interest in using bank Mandiri mobile banking in the city of Bekasi 

Examining the Impact of Customers’ Awareness, Risk and Trust in M-Banking Adoption

2021 ◽  
pp. 231971452110199
Author(s):  
Prashant Tiwari ◽  
Shiv Kant Tiwari ◽  
Ashish Gupta
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Global Market ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Rapid Expansion ◽  
Mobile Banking ◽  
Banking Services ◽  
Perceived Trust ◽  
The Impact

Mobile banking services have been a significant breakthrough in the electronic banking system and have many potential demands for online banking services to connect with consumers. Although there has been a rapid expansion of information technology (IT) in banking, which offers multiple opportunities in the global market, massive growth has not been seen in India’s m-banking adoption. Several kinds of research on m-banking adoption have been conducted in various countries, and it has been observed that India has great potential for m-banking. Nonetheless, users are not quite sure about its use for a few reasons. The present study extends the applicability of technology acceptance model (TAM) constructs in connection with customers’ awareness, perceived risk and perceived trust to investigate the user’s behavioural intention of m-banking adoption. The authors tested the proposed framework by using regression analysis in SPSS 23 and collected a sample of 311 mobile banking users by using convenience sampling. In support of the previous studies, findings revealed that perceived usefulness, perceived ease of use, customer awareness, perceived risk and perceived trust significantly adopted m-banking services in the Indian context.

Factors contributing towards adoption of E-banking in Pakistan

2014 ◽  
Vol 1 (1) ◽  
pp. 437 ◽  
Author(s):  
Azam Khurshid ◽  
Muhammad Rizwan ◽  
Erum Tasneem
Keyword(s):  
Service Quality ◽  
Technology Acceptance ◽  
Perceived Risk ◽  
Negative Impact ◽  
Positive Impact ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Perceived Trust ◽  
Acceptance Model

Purpose:The main purpose of this research is to understand the customer’s E-Banking adoption behavior. To achieve this purpose we are going to investigate the External variables (Perceived Risk, Service Quality, and Perceived Trust), Technology Acceptance Model (perceived usefulness, perceived ease of use) and their effect on attitude towards using and the adoption of E-Banking.Methodology:Questionnaire was used to collect the data from convenience sampling of 150 customers. Regression analysis is use to determine the stability of E-Banking proposed model and hypothesis testing.Results & Findings:The results confirm that Perceived Usefulness, Perceived Ease of Use have positive impact on Attitude towards using. Service Quality has positive impact on Perceived Usefulness, Perceived Ease of Use, and Attitude towards using. Perceived Risk has negative impact on Attitude towards using. Perceived Trust and Attitude towards using have positive impact on E-Banking adoption. The results not supported one hypothesis Perceived Risk (PR) impact on Perceived Usefulness (PU). Results shows that PR has negative impact on PU.

scholarly journals ECONOMIC CONSEQUENCES AND VARIABLES INFLUENCING THE UPTAKE OF MOBILE FINANCIAL SERVICE IN UNBANKING POPULATION LIKE PAKISTAN

2021 ◽  
pp. 38-53
Keyword(s):  
Financial Services ◽  
Perceived Risk ◽  
Positive Impact ◽  
Pearson Correlation ◽  
Primary Data ◽  
Mobile Banking ◽  
Banking Services ◽  
Affective Factors ◽  
Perceived Trust ◽  
The Impact

The growth of digital mobile devices enables the world to integrate and enables the masses to access and use services with optimism, speed and efficiency. These developments are on the rise in Pakistan. Market opportunities for digital financial services in Pakistan are projected to exceed $ 36 billion by 2025, which will increase GDP by 7%, create four million new jobs and generate $ 263 billion in new deposits. This power can only be achieved through a robust and efficient DFS environment. Although Pakistan has a DFS environment, it is unfortunate that so far no research has been done to determine and analyze the economic impact of mobile banking services as well as factors affecting their use in developing countries like Pakistan, to this end, the methodology part will be divided into two parts: the first part will focus on the secondary data to analyze and determine the impact of mobile banking activity on GDP, employment, government taxes for support to reduce non-banking figures in Pakistan. The second part will focus on the primary data that will be used to investigate the influencing variables on the usage of mobile banking services. A self-administered questionnaire has been developed with 250 respondents, which will be distributed to mobile money users to get their ideas on mobile banking services. Its results will be evaluated using the Pearson correlation and multiple regressions. Affective factors are assessed under five factors: risk, perceived trust, cost-effectiveness, accessibility and reliability using biometric analysis method in mobile banking. The study revealed that mobile financial services had positive impact on the economic indicators whereas factors like perceived trust, convenience and perceived risk had a significant influence on the adoption of mobile banking services but perceived cost and reliability were said to have insignificant influence on its adoption.

PENGARUH KUALITAS PRODUK DAN KUALITAS LAYANAN TERHADAP KEPUASAN PELANGGAN

2017 ◽  
Vol 5 (3) ◽  
Author(s):  
Ismail Razak, SE., MS. ◽  
Nirmala Putri Sari
Keyword(s):  
Data Analysis ◽  
Linear Regression ◽  
Customer Satisfaction ◽  
Service Quality ◽  
Product Quality ◽  
Sampling Method ◽  
Primary Data ◽  
Analysis Method ◽  
Simple Linear Regression ◽  
The City

The aim of this study was to analize the effects of product quality and service quality on the customer satisfaction. This study took place in the City of Bekasi and objects in this study are all customer who use the Matrass GM-9000. Primary data was obtained from customers of Matrass GM-9000 in Bekasi City through admission filling of questionnaire by using scale of Likert. The respondent of this study was chosen through accidental sampling method, and data analysis method was simple linear regression and multiple linear regression. The results of this study indicated that product quality and service quality positively and significant influenced the customer satisfaction

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.

Validating the Measurement Constructs Affecting the Technology Adoption in Indian Mobile Banking Industry

2016 ◽  
Vol 1 (1) ◽  
Author(s):  
Muragesh Y. Pattanshetti ◽  
Sachin S. Kamble ◽  
Sudheer M. Dhume ◽  
Shradha Gawankar
Keyword(s):  
Technology Adoption ◽  
Perceived Risk ◽  
Service Providers ◽  
Business Environment ◽  
Retail Banking ◽  
Appropriate Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Measurement Scale ◽  
Mobile Banking

Mobile phones have undeniably brought a paradigm shift, affecting both the lives of people and the business environment. Today, mobile phone has permeated the lives of billions of people around the world, becoming for many an indispensable device. Moreover, adoption of mobile banking has significant impact on reducing costs and enabling change in retail banking. Factors influencing the intention to use or adopt mobile banking are very important and will play a vital role for mobile banking service providers. The proposed study focuses on a comprehensive set of potential factors that influence the adoption of mobile banking. The research model identifies appropriate factors and captures dependency relationships among these factors in the form of a number of hypotheses to be tested in this research. This paper aims to design a scale with a high degree of reliability, validity, and dimensionality which helps to determine the appropriate technology adoption model based on the identified constructs, viz. Optimism (OPTI), Innovativeness (INNO), Insecurity (INSC), Discomfort (DISC), Perceived Usefulness (PU), Perceived Ease of Use (PEU), Perceived Risk (PR), Subjective Norms (SN), Attitude (ATTI), Behavioural Control (BC) and Behavioural Intention (BI). The data were collected through questionnaire survey from 201 respondents comprising software engineers, bank employees, professors, entrepreneurs. Confirmatory factor analysis was used to test the validity of the proposed measurement scale for all the identified constructs. This instrument helps bankers to determine and design there applications which will contribute to the knowledge of predicting customer intention.

Pengaruh Kualitas Layanan, Nilai Nasabah, Kepercayaan dan Kepuasan Terhadap Loyalitas Nasabah Pengguna Layanan Mobile Banking Syariah

2020 ◽  
Vol 19 (3) ◽  
pp. 134-158
Author(s):  
Yulia Widi Astuti ◽  
Ratno Agriyanto ◽  
Ahmad Turmudzi
Keyword(s):  
Data Analysis ◽  
Service Quality ◽  
Customer Loyalty ◽  
Customer Value ◽  
Service Users ◽  
Mobile Banking ◽  
Banking Services ◽  
Insignificant Effect ◽  
Banking Service ◽  
The City

This study analyzes the effect of service quality, customer value, trust and satisfaction on customer loyalty at Bank Syariah Mandiri. The problem in this research is: how to increase customer loyalty of mobile banking service users at BSM. This study used 100 respondents using mobile banking services at BSM in the city of Semarang. Data analysis using SEM with the Smart PLS 3 computer program. The results showed that, among other things, service quality had a positive and insignificant effect on loyalty. Customer value has a positive and significant effect on loyalty. The effect of trust on customer loyalty has a positive and insignificant effect. Meanwhile, satisfaction has a positive and significant effect on loyalty.

A Study on Behavior Intention to Adopt Mobile Banking Apps

2021 ◽  
Vol 13 (2) ◽  
pp. 60-72
Author(s):  
Phan Dai Thich
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Influential Factor ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Behavior Intention ◽  
Intention To Adopt ◽  
Tam Model

This study aims to examine the factors influencing consumers' behavior intention to adopt mobile banking apps. The research uses the TAM model with additional variables such as social influence and perceived risk to evaluate how these factors impact the behavior intention of young customers toward adopting mobile banking services. PLS-SEM was used as the main research method. The findings from this paper reaffirmed that perceived usefulness and social influence are the most influential factor in behavior intention, but perceived ease of use and perceived risk showed insignificant impacts on young consumers' behavior intention in Vietnam. This paper also found that perceived ease of use had no direct impact on behavior intention but an indirect impact through facilitating perceived usefulness. This subject makes a practical and academic contribution in the context of a developing country where is lacking research in mobile banking apps.

Analisis Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan dan Persepsi Risiko Terhadap Keputusan Pembelian dengan Kepercayaan Sebagai Variabel Intervening (Studi Pada Konsumen Gofood di Kota Semarang)

2020 ◽  
Vol 19 (2) ◽  
pp. 114-125
Author(s):  
Isnaeni Agustin Widhiaswara ◽  
Harry Soesanto
Keyword(s):  
Structural Equation Modeling ◽  
Perceived Risk ◽  
Structural Equation ◽  
Sem Analysis ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Purchasing Decisions ◽  
Food Purchases ◽  
The City

This study aims to analyze the effect of perceived usefulness, perceived of ease of use, perceived risk , trust and purchasing decisions for GoFood in the city of Semarang. Respondents in this study are consumers who make food purchases through GoFood. Data collected through Google Form containing questionnaires filled out by 125 respondents. The analytical method used is Structural Equation Modeling (SEM) analysis carried out with the AMOS program. The results of hypothesis testing with SEM show that: 1. Perceived usefulness has a significant effect on trust, 2. Perceived of ease of use has a significant effect on trust, 3. Perceived risk has a significant effect on trust, 4. Trust has a significant effect on purchasing decisions, 5. Perceived usefulness has a significant effect on purchasing decisions, 6. Perceived of ease of use has a significant effect on purchasing desicion, 7. Perceived risk has a significant effect on purchasing decisions.

Factors Influencing Citizens' Intention to Use E-Government Services

2017 ◽  
Vol 13 (1) ◽  
pp. 14-32 ◽  
Author(s):  
Isaac Kofi Mensah ◽  
Mi Jianing ◽  
Dilawar Khan Durrani
Keyword(s):  
Service Quality ◽  
Technology Acceptance ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Korean Students ◽  
Moderation Effect ◽  
Perceived Service Quality ◽  
Government Services

The purpose of this research paper is to investigate the determinates of Korean students in China to use e-government services. A total of 400 structured research questionnaire instruments was designed and administered to potential respondents of which 93.75% responded. The Technology Acceptance Mode (TAM) was used as a theoretical framework for this study. The data gathered was analyzed with SPSS version 20. The results show that all the predictors (Perceived Usefulness, Perceived Ease of Use, Perceived Service Quality, and Citizen Trust) investigated are significant positive determiners of Korean students' intention to adopt and use e-government services. The results further indicated that Citizen Trust positively and significantly moderated the positive relationship between perceived ease of use, perceived service quality and intention to use e-government services but failed to show any positive moderation effect on perceived usefulness and intention to use e-government services. The implications of these findings are further discussed.

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