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

Rinny Rantung

doi:10.31154/cogito.v4i1.107.113-120

Authors

Rinny Rantung Universitas Klabat

DOI:

https://doi.org/10.31154/cogito.v4i1.107.113-120

Abstract

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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