Faktor-Faktor Yang Berkontribusi Terhadap Niat Nasabah Menggunakan E-Banking

Rinny Rantung


Penelitian ini menggunakan metode survey yang di awali dengan interview kepada 8 orang responden, dengan tujuan untuk menemukan faktor-faktor yang berkontribusi terhadap niat nasabah menggunakan elektronik banking (e-banking).  Berdasarkan hasil pengujian exploratory factor analysis terhadap 240 data responden dengan 12 butir pertanyaan yang sudah melalui proses validasi di dapati tiga faktor yang berkontribusi terhadap niat menggunakan e-banking.  Ketiga faktor tersebut adalah:  kemudahan bertransaksi, memperlancar online business, dan informasi yang jelas mengenai bertransaksi e-banking. Faktor yang berkontribusi paling besar adalah faktor kemudahan dan yang paling kecil kontribusinya adalah faktor informasi tentang e-banking.  Berdasarkan hasil uji independent t-test, tidak ditemukan perbedaan yang signifikan antara faktor-faktor yang berkontribusi terhadap niat nasabah menggunakan e-banking dilihat berdasarkan usia, gender, pendidikan dan lamanya waktu menggunakan e-banking.  Penelitian ini juga memberikan beberapa masukan bagi pihak perbankan dalam penerapan teknologi e-banking,  dan bagi pengembangan penelitian selanjutnya.  Beberapa batasan dikemukan pula dalam penelitian ini.  


Keywords : Electronic Banking, Kemudahan, Faktor Analisis, Teknologi

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DOI: http://dx.doi.org/10.31154/cogito.v4i1.107.113-120


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