scholarly journals Quality factors in technology system capability decision interest in transactions using mobile banking

2022 ◽  
Vol 6 (1) ◽  
pp. 1-8 ◽  
Author(s):  
Ida Bagus Raka Suardana ◽  
Luh Kadek Budi Martini ◽  
Nyoman Sri Subawa ◽  
Made Setini
Keyword(s):  
Success Rate ◽  
Structural Equation ◽  
Ease Of Use ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Quality Factors ◽  
Technology System ◽  
Data Collection Technique ◽  
Customer Trust ◽  
System Capability

The purpose of this study was to determine the effect of ease of use, transaction success rate, and technological system capability on trust and to determine the effect of ease of use, transaction success rate, technology system capability and interest in transaction using mobile banking. This research was conducted at PT Bank NIAGA which is located in Denpasar. The data collection technique used a questionnaire to 160 PT Bank NIAGA customers who were selected as samples. Data were analyzed by Structural Equation Modeling (SEM) with AMOS program. Ease of use, transaction success rate, and technology system capability have a positive and significant influence on trust and interest in transacting using mobile banking. This means that the better the ease of use, the success rate of transactions, and the capability of the technology system, the higher the customer trust and interest in transactions using mobile banking.

Adoption of mobile banking at the bottom of the pyramid: an emerging market perspective

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sonal Purohit ◽  
Rakhi Arora
Keyword(s):  
Technology Acceptance ◽  
Migrant Workers ◽  
Structural Equation ◽  
Emerging Market ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Bottom Of The Pyramid ◽  
Mobile Banking ◽  
Content Type

PurposeThis paper aims to investigate the factors that affect mobile banking adoption among the bottom of the pyramid (BoP) group in an emerging market.Design/methodology/approachData were collected from 332 bank customers in the BoP group through a questionnaire based on previously validated scales. Structural equation modeling (SEM) was applied using SmartPLS 2.0 to analyze the data.FindingsIt was found that perceived usefulness (PU) and perceived ease of use (PEoU) influence the attitude toward mobile banking positively whereas the perceived risk (PR) and perceived deterrents (PDs) influence the attitude negatively. The subjective norms (SNs) and the attitude positively affect mobile banking adoption. Knowledge of mobile banking has a strong effect on the PEoU, but it does not influence the PU of mobile banking.Originality/valueThis research makes an original contribution to the extant research and fills the gap by exploring the factors that affect the mobile banking adoption among a distinct BoP group (migrant workers) in an emerging market. The authors make use of knowledge of mobile banking and PDs as novel and important constructs in the technology acceptance model (TAM) to explore the factors that affect mobile banking adoption among the BoP.

Impact of website attributes on customer engagement in banking: a solicitation of stimulus-organism-response theory

2020 ◽  
Vol 38 (6) ◽  
pp. 1279-1303 ◽  
Author(s):  
Jamid Ul Islam ◽  
Shadma Shahid ◽  
Aaleya Rasool ◽  
Zillur Rahman ◽  
Imran Khan ◽  
...  
Keyword(s):  
Structural Equation ◽  
Online Survey ◽  
Ease Of Use ◽  
Customer Engagement ◽  
Equation Modeling ◽  
Relational Dynamics ◽  
Public And Private ◽  
Content Type ◽  
Website Interactivity ◽  
Customer Trust

PurposeThis paper aims to investigate how banking websites can activate customer engagement (CE) to consequently enhance customer trust and retention.Design/methodology/approachUsing an online survey, data were collected from 598 customers of various (public and private) banks in India. Structural equation modeling was used to analyze the data.FindingsResults reveal that the key website attributes viz. website interactivity, website aesthetics, customization, ease of use and telepresence positively affect CE. The results also delineate positive associations between CE, customer trust and customer retention.Research limitations/implicationsThis paper unravels that by strategically focusing on the relational dynamics of CE, banks can build trust and retain their most valuable stakeholders – the customers, thereby addressing the crucial strategic concerns of banking firms.Originality/valueThis research is the first to explore the effects of key website attributes on CE in the banking context. The undertaking of this study in an emerging economy adds further insight into CE literature by generalizing the applicability of CE studies across geographic contexts.

scholarly journals Anteseden Mobile Banking Adoption

2019 ◽  
Vol 19 (1) ◽  
pp. 45
Author(s):  
Rangga Maulid Mahardika ◽  
Harsini Soetomo
Keyword(s):  
Structural Equation Modeling ◽  
Perceived Risk ◽  
Structural Equation ◽  
Word Of Mouth ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Price Fairness

<p><strong>Abstra</strong><strong>k</strong></p><p><strong> </strong></p><p><strong>Tujuan –</strong>Tujuan dari penelitian ini adalah untuk menganalisis pengaruh dari self efficacyterhadap mobile banking adoption melalui perceived risk, perceived ease of use,perceived usefulness dan behavioural intention.</p><p><strong>Desain/Metodologi/ Pendekatan – </strong>Rancangan penelitian ini dilakukandengan menggunakan rancangan penelitian uji hipotesis (hypotheis testing). Unitanalisis yang digunakan dalam metode penelitian ini adalah pengguna Mobilebanking yang aktif menggunakan dalam 3 bulan terakhir, dan penelitian inimenggunakan data cross-sectional dan teknik sampling yang digunakan adalahpurposive sampling. Structural Equation Modeling (SEM) digunakan untuk mengujihipotesis dalam penelitian ini.</p><p><strong>Temuan - </strong>Hasil penelitian ini menunjukan bahwa (1) Selfefficacy tidak memiliki pengaruh negatif yang signifikan terhadap perceived risk, Self Efficay memiliki pengaruh positif terhadap perceived ease of use dan perceived usefulness dalam penggunaan mobile banking, (2) Perceived ease of use memiliki pengaruh positif terhadap perceived usefulness, Perceived ease of use memiliki pengaruh positif terhadap Intention to Adoption Mobile Banking (3) Perceived risk tidak memiliki pengaruh negatif yang signifikan terhadap intention to adoption mobile banking, (4) Perceived ease of use dan perceived usefulness memiliki pengaruh positif terhadap intention to adoption mobile banking, (5) Perceived usefulness tidak memiliki pengaruh positif yang signifikan terhadap adoption mobile banking, dan (6) Intention to adoption mobile banking memiliki pengaruh positif terhadap adoption mobile banking.</p><p><em> </em></p><p><strong><em>Abstract</em></strong></p><p><strong><em>Purpose </em></strong><em>–</em><em>The purpose of this study is to </em><em>analyze</em><em> the </em><em>effect of self eficacy on mobile adoption through percieved risk, percieved ease of use, percieved usefulness and behavioral intention</em><em></em></p><p><strong><em>Des</em></strong><strong><em>ign</em></strong><strong><em>/Met</em></strong><strong><em>hodology</em></strong><strong><em>/</em></strong><strong><em>Approach – </em></strong><em>Using 210 respondents of active mobile banking users in last 3 months, hypotheses were tested with Structural Equation Modeling by AMOS</em></p><p><strong><em>Findings</em></strong><em> - </em><em>The results showed a positive influence between reflected appraisal of self, self image congruency and cafe quality of cafes toward the electric keyword from word of mouth, while on the conspicuous value and price fairness of does not affect the electronic word-of-mouth. There are several managerial implications that can influence consumers to deliver eWOM by taking more attention to self-relevant value and cafe-relevant value.</em></p><p> </p>

scholarly journals Application of Cognitive Motivational Relational Theory to Examine the Influence of E-Banking Quality Factors on Customer Loyalty

2021 ◽  
Vol 7 (1) ◽  
pp. 241-249
Author(s):  
Atif Ali Gill ◽  
Riaz Hussain Ansari ◽  
Kashif Akram ◽  
Muhammad Waseem Tufail
Keyword(s):  
Structural Equation ◽  
Internet Banking ◽  
Relational Theory ◽  
Online Banking ◽  
Equation Modeling ◽  
Website Design ◽  
Quality Factors ◽  
Banking Services ◽  
Research Findings ◽  
Customer Trust

Banks equipped themselves with modern tools to provide innovative and dynamic services to clients. Traditional banking transformed into digital online banking to facilitate customers all over the world through the internet. High-quality online banking services are necessary to retain clients. Customers using online banking services of the top five commercial Pakistani private banks were the study population. A structural equation modeling technique was employed to analyze the hypothesis. The results found the significant impact of reliability, website design, and security on customer trust leading to higher loyalty based on cognitive, motivational relational theory. The research findings provide numerous theoretical and practical implications for banks' administration to make internet banking website design more user-friendly and reliable with enhanced security features that win the customers' trust and strengthen loyalty.

scholarly journals Analisis Faktor yang Mempengaruhi Penerimaan Nasabah terhadap Layanan Mobile Banking

2020 ◽  
Vol 12 (1) ◽  
pp. 95-104
Author(s):  
Hasbi Assidiki Mauluddi
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Ease Of Use ◽  
Equation Modeling ◽  
Mobile Service ◽  
Mobile Banking ◽  
Factors Affecting ◽  
Implementation Model ◽  
Mobile Banking Applications ◽  
Acceptance Model

The purpose of this study is to investigate factors affecting the consumers intention to use Mobile Banking. A survey was used to collect data from 86 samples from all smartphone device owners and has been experienced with Mobile Banking applications. The proposed Mobile Banking implementation Model In this study is based on the Technology Acceptance Model (TAM) and mobile service Quality (MSQ). Structural Equation Modeling (SEM) is used to analyze data. The results reveal that the ease of use, usability and quality of service to the use of Mobile Banking positively influential. Therefore, the Bank should emphasize the strategy to increase the benefits of Mobile Banking perception by prioritizing this factor into decision making.

scholarly journals Mobile Banking Adoption: Examining the Role of Personality Traits

SAGE Open ◽  
2020 ◽  
Vol 10 (2) ◽  
pp. 215824402093291
Author(s):  
James Agyei ◽  
Shaorong Sun ◽  
Eugene Abrokwah ◽  
Emmanuel Kofi Penney ◽  
Richmond Ofori-Boafo
Keyword(s):  
Personality Traits ◽  
Structural Equation ◽  
Service Providers ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Banking Services ◽  
Intention To Adopt ◽  
The Impact

A number of studies have been conducted on the salient factors that influence consumers’ intention to adopt mobile banking services. However, none of these studies has explored the impact of personality traits on consumers’ intention to adopt mobile banking services. This study investigates the impact of personality traits on users’ intention to adopt mobile banking. Data gathered from 482 mobile banking users in Ghana via a convenience sampling technique using a questionnaire survey were analyzed using structural equation modeling. The results show that agreeableness, conscientiousness, and openness to new experience significantly impact users’ intention to adopt mobile banking through perceptions of usefulness and ease of use, with agreeableness showing the strongest total effect, followed by conscientiousness. The results also reveal that perceived usefulness and perceived ease of use are salient predictors of users’ intention to adopt mobile banking. The study underscores the need for service providers to focus on designing effective marketing strategies that recognize different user personality traits so as to improve adoption.

scholarly journals ANALISIS FAKTOR PENGARUH KUALITAS PELAYANAN TERHADAP KEPERCAYAAN DIMEDIASI KEPUASAN NASABAH PADA NASABAH BRI SYARIAH

2019 ◽  
Vol 5 (1) ◽  
pp. 10
Author(s):  
Muhammad Nurhaula Huddin
Keyword(s):  
Structural Equation Modeling ◽  
Service Quality ◽  
Continuous Improvement ◽  
Structural Equation ◽  
Ease Of Use ◽  
Equation Modeling ◽  
Significant Positive Effect ◽  
Banking Services ◽  
Customer Trust ◽  
Positive Effect

[English] This study aims to analyze service quality, satisfaction and trust in banking services. The subjects in this study are customers of BRI Syariah products. Whereas for service quality objects (usefulness, ease of use, sustainability, security, alertness, and continuous improvement), customer satisfaction, and trust. Based on the results of research and data analysis using an analytical tool in the form of Structural Equation Modeling (SEM) with AMOS 18.0 software. The questionnaire was distributed with a sample of 135 respondents. The results showed that all the hypotheses tested had a significant positive effect in (1) usefulness has a significant positive effect on satisfaction; (2) convenience has a significant positive effect on satisfaction; (3) reliability has a significant positive effect on satisfaction; (4) security has a significant positive effect on satisfaction; (5) readiness has a significant positive effect on satisfaction; (6) continuous improvement has a significant positive effect on satisfaction; and (7) satisfaction has a significant positive effect on trust in BRI Syariah services. While the rest does not have an influence on satisfaction. The research implications of the conclusions above show that the dimensions of service quality for banking services have a large influence on BRI Syariah services and have a significant positive effect on customer trust. [Indonesia] Penelitian ini bertujuan untuk menganalisis kualitas layanan, kepuasan dan kepercayaan dalam layanan perbankan. Subjek dalam penelitian ini adalah pelanggan produk BRI Syariah. Sedangkan untuk objek kualitas layanan (kegunaan, kemudahan penggunaan, keberlanjutan, keamanan, kewaspadaan, dan peningkatan berkelanjutan), kepuasan pelanggan, dan kepercayaan. Berdasarkan hasil penelitian dan analisis data menggunakan alat analisis berupa Structural Equation Modeling (SEM) dengan perangkat lunak AMOS 18.0. Kuesioner dibagikan dengan sampel 135 responden. Hasil penelitian menunjukkan bahwa semua hipotesis yang diuji memiliki efek positif yang signifikan dalam (1) kegunaan memiliki efek positif yang signifikan terhadap kepuasan; (2) kenyamanan berpengaruh positif signifikan terhadap kepuasan; (3) reliabilitas berpengaruh positif signifikan terhadap kepuasan; (4) keamanan memiliki efek positif yang signifikan terhadap kepuasan; (5) kesiapan berpengaruh positif signifikan terhadap kepuasan; (6) peningkatan berkelanjutan memiliki pengaruh positif signifikan terhadap kepuasan; dan (7) kepuasan berpengaruh positif signifikan terhadap kepercayaan terhadap layanan BRI Syariah. Sedangkan sisanya tidak memiliki pengaruh terhadap kepuasan. Implikasi penelitian dari kesimpulan di atas menunjukkan bahwa dimensi kualitas layanan untuk layanan perbankan memiliki pengaruh besar pada layanan BRI Syariah dan memiliki efek positif yang signifikan terhadap kepercayaan pelanggan.

scholarly journals The Effects of Perceived Ease of Use, Security, and Promotion on Trust and Its Implications on Fintech Adoption

2020 ◽  
Vol 5 (2) ◽  
pp. 124-138
Author(s):  
Meryl Astin Nangin ◽  
Irma Rasita Gloria Barus ◽  
Soegeng Wahyoedi
Keyword(s):  
Structural Equation ◽  
New Technologies ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Security Threats ◽  
Perceived Ease Of Use ◽  
Application Security ◽  
Customer Trust

The advancement of mobile devices and their usage has increased the uptake of fintech innovation. These new technologies should provide ease of use and give advantages to their customers. On the other side, mobile application security threats have increased tremendously and have become a great challenge for both users, in this case, as customers, and fintech innovators. Meanwhile, service should be promoted to the customers to establish fintech's brand to society. This research empirically examined the components affecting the expectations of users to adopt fintech. By collecting 100 samples who have already used a couple of brands of Fintech and Sakuku as their payment method, and by utilizing Structural Equation Modeling- Partial Least Square (SEM-PLS) as the technique of analysis, the empirical results definitely confirmed that perceived ease of use (PEOU) and promotion positively and significantly affected the customer trust. Meanwhile, security did not significantly affect trust. The finding also implied that in order to increase the fintech adoption rate, customer trust should be built.

scholarly journals A Framework of Mobile Banking Adoption in India

2020 ◽  
Vol 6 (2) ◽  
pp. 40
Author(s):  
Ashish Kumar ◽  
Sanjay Dhingra ◽  
Vikas Batra ◽  
Harish Purohit
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Personal Innovativeness ◽  
Acceptance Model ◽  
Adoption Intention

Mobile banking is now an important and evolving medium for executing banking transactions. It has a huge potential in a developing country such as India. Our study explores the important antecedents of the mobile banking adoption intention of Indian customers and proposes a comprehensive framework by extending the traditional technology acceptance model (TAM). Along with the two constructs provided by TAM, four customer-oriented constructs have also been measured for this purpose. The conceptual model has been verified empirically, with the data mobilized with the help of a survey from 203 future mobile banking service users. The structural equation modeling (SEM) technique has been undertaken to establish the effect of the antecedents on mobile banking adoption intention. The results demonstrate that, together with the constructs of TAM, viz. perceived usefulness and perceived ease of use, as well as all other relevant behavioral factors, namely subjective norms, personal innovativeness, trust, and self-efficacy have exerted a statistically significant positive effect on the mobile banking adoption intention of customers. The study provides an empirical foundation, which can be useful to banking and mobile services by helping companies to formulate their marketing strategies.

scholarly journals SATISFACTION AND TRUST ANALYSIS OF SIPP ONLINE BPJS KETENAGAKERJAAN USERS: WHAT IS THE ROLE OF EASE OF USE, VARIATIONS IN WEB DESIGN AND FUNCTIONS?

2021 ◽  
Vol 3 (1) ◽  
pp. 1-15
Author(s):  
Kuntadi Adi Setyawan ◽  
Usep Suhud ◽  
Agung Wahyu Handaru
Keyword(s):  
Customer Satisfaction ◽  
Structural Equation ◽  
Web Design ◽  
Ease Of Use ◽  
Equation Modeling ◽  
Confirmatory Factor ◽  
Branch Office ◽  
Customer Trust ◽  
Made In

This study aims to review and reconfirm research on customer satisfaction and customer trust in online applications. In this study, the object raised is SIPP Online, developed by BPJS Ketenagakerjaan at the branch office of BPJS Ketenagakerjaan Kelapa Gading. This research model includes Customer Satisfaction, Customer Trust, Variation of Functions, and Web Design. Confirmatory Factor Analysis (CFA) to test the path analysis of Structural Equation Modeling (SEM) by operating the AMOS 22 application for testing research models. The sample in this study amounted to 315 PIC companies participating in BPJS Ketenagakerjaan. In this study, there are seven direct hypotheses and three indirect hypotheses (mediation). The results of this study indicate that all hypotheses made in the study are statistically accepted. The limitation in this research is that the study's scope only includes the Kelapa Gading branch of the BPJS Ketenagakerjaan.

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