Pemodelan Persamaan Struktural Pada Adopsi Mobile Banking Studi Kasus: Bsgtouch Bank Sulutgo
DOI:
https://doi.org/10.31154/cogito.v7i2.347.421-435Abstract
Kemajuan dalam teknologi telekomunikasi dan informasi memiliki dampak besar pada banyak sektor industri, termasuk sektor perbankan. Mobile banking kemudian menjadi pilihan nasabah dalam transaksi keuangan. Penelitian ini bertujuan untuk menganalisis penerimaan nasabah terhadap penggunaan layanan mobile banking dengan menggunakan pendekatan Technology Acceptance Model (TAM) yang dikembangkan oleh Davis (1989). Penelitian ini menganalisis 277 responden nasabah pengguna layanan BSGTouch dengan menggunakan metode kuantitatif dan teknik analisis data SEM PLS menggunakan aplikasi SmartPLS. Hasil penelitian ini menunjukan bahwa perceived ease of use dan perceived usefulness mempengaruhi attitude toward using pengguna, attitude toward using kemudian mempengaruhi behavioral intention, dan behavioral intention mempengaruhi responden actual use nasabah pengguna mobile banking. Penelitian ini menjelaskan secara lengkap bagaimana setiap variabel dalam TAM saling berhubungan satu sama lain. Secara umum penggunaan TAM dalam menganalisis adopsi mobile banking bisa dibuktikan dalam penelitian ini. Kata kunci— Mobile Banking, SEM, Technology Acceptance ModelReferences
G. Baptista and T. Oliveira, “Understanding mobile banking: The unified theory of acceptance and use of technology combined with cultural moderators,” Comput. Human Behav., vol. 50, pp. 418–430, 2015, doi: 10.1016/j.chb.2015.04.024.
H. Sudarsono, R. N. I. Nugrohowati, and Y. K. Tumewang, “The Effect of Covid-19 Pandemic on the Adoption of Internet Banking in Indonesia: Islamic Bank and Conventional Bank,” J. Asian Financ. Econ. Bus., vol. 7, no. 11, pp. 789–800, 2020, doi: 10.13106/jafeb.2020.vol7.no11.789.
R. F. Malaquias and Y. Hwang, “Mobile banking use: A comparative study with Brazilian and U.S. participants,” Int. J. Inf. Manage., vol. 44, no. October 2018, pp. 132–140, 2019, doi: 10.1016/j.ijinfomgt.2018.10.004.
Y. Lee et al., “TAM References,” Bus. Manag. Strateg., vol. 3, no. 1, p. 121, 2017.
T. O. Carlos Tam, “Literature review of mobile banking and individual performance Abstract,” 2015.
J. Z. C. Nelwan, N. N. K. Yasa, I. P. G. Sukaatmadja, and N. W. Ekawati, “Antecedent behaviour and its implication on the intention to reuse the internet banking and mobile services,” Int. J. Data Netw. Sci., vol. 5, no. 3, pp. 451–464, 2021, doi: 10.5267/j.ijdns.2021.4.003.
T. Laukkanen, “Guest Editorial Guest Editorial,” Int. J. Engine Res., vol. 6, no. 4, 2017.
brahim M. Al-Jabri and M. S. Sohail, “Mobile banking adoption: Application of diffusion of innovation theory,” J. Electron. Commer. Res., vol. 13, no. 4, pp. 379–391, 2012.
S. Afshan and A. Sharif, “Acceptance of mobile banking framework in Pakistan,” Telemat. Informatics, vol. 33, no. 2, pp. 370–387, 2016, doi: 10.1016/j.tele.2015.09.005.
A. Al-Dmour, H. Al-Dmour, R. Al-Barghuthi, R. Al-Dmour, and M. T. Alshurideh, Factors Influencing the Adoption of E-Payment During Pandemic Outbreak (COVID-19): Empirical Evidence, vol. 334. Springer International Publishing, 2021.
A. Priyono, A. Moin, and V. N. A. O. Putri, “Identifying digital transformation paths in the business model of smes during the covid-19 pandemic,” J. Open Innov. Technol. Mark. Complex., vol. 6, no. 4, pp. 1–22, 2020, doi: 10.3390/joitmc6040104.
J. M. C. Veríssimo, “Enablers and restrictors of mobile banking app use: A fuzzy set qualitative comparative analysis (fsQCA),” J. Bus. Res., vol. 69, no. 11, pp. 5456–5460, 2016, doi: 10.1016/j.jbusres.2016.04.155.
J. C. Ho, C. G. Wu, C. S. Lee, and T. T. T. Pham, “Factors affecting the behavioral intention to adopt mobile banking: An international comparison,” Technol. Soc., vol. 63, no. December 2019, p. 101360, 2020, doi: 10.1016/j.techsoc.2020.101360.
F. Malaquias, R. Malaquias, and Y. Hwang, “Understanding the determinants of mobile banking adoption: A longitudinal study in Brazil,” Electron. Commer. Res. Appl., vol. 30, pp. 1–7, 2018, doi: 10.1016/j.elerap.2018.05.002.
A. R. Montazemi and H. Qahri-Saremi, “Factors affecting adoption of online banking: A meta-analytic structural equation modeling study,” Inf. Manag., vol. 52, no. 2, pp. 210–226, 2015, doi: 10.1016/j.im.2014.11.002.
M. A. Camilleri and L. Falzon, “Understanding motivations to use online streaming services: integrating the technology acceptance model (TAM) and the uses and gratifications theory (UGT),” Spanish J. Mark. - ESIC, vol. ahead-of-p, no. ahead-of-print, 2020, doi: 10.1108/sjme-04-2020-0074.
P. Ajibade, “Technology acceptance model limitations and criticisms: Exploring the practical applications and use in technology-related studies, mixed-method, and qualitative researches,” Libr. Philos. Pract., vol. 2019, 2019.
R. Auer, G. Cornelli, and J. Frost, “Covid-19, cash, and the future of payments,” BIS Bull., no. 3, pp. 1–7, 2020.
F. D. Davis, “Perceived usefulness, perceived ease of use, and user acceptance of information technology,” MIS Q. Manag. Inf. Syst., vol. 13, no. 3, pp. 319–339, 1989, doi: 10.2307/249008.
A. F. Riza and M. R. Hafizi, “Customers attitude toward Islamic mobile banking in Indonesia: Implementation of TAM,” Asian J. Islam. Manag., vol. 1, no. 2, pp. 75–84, 2019, doi: 10.20885/ajim.vol1.iss2.art1.
T. Laukkanen and M. Pasanen, “Mobile banking innovators and early adopters: How they differ from other online users?,” J. Financ. Serv. Mark., vol. 13, no. 2, pp. 86–94, 2007, doi: 10.1057/palgrave.fsm.4760077.
M. Deb and E. Lomo-David, “An empirical examination of customers’ adoption of m-banking in India,” Mark. Intell. Plan., vol. 32, no. 4, pp. 475–494, 2014, doi: 10.1108/MIP-07-2013-0119.
M. Aboelmaged and T. R. Gebba, “Mobile Banking Adoption: An Examination of Technology Acceptance Model and Theory of Planned Behavior,” Int. J. Bus. Res. Dev., vol. 2, no. 1, pp. 35–50, 2013, doi: 10.24102/ijbrd.v2i1.263.
G. Baptista and T. Oliveira, “A weight and a meta-analysis on mobile banking acceptance research,” Comput. Human Behav., vol. 63, pp. 480–489, 2016, doi: 10.1016/j.chb.2016.05.074.
V. Venkatesh and F. D. Davis, “A model of the antecedents of perceived ease of use: Development and test,” Decis. Sci., vol. 27, no. 3, pp. 451–481, 1996, doi: 10.1111/j.1540-5915.1996.tb00860.x.
U. Akturan and N. Tezcan, “Mobile banking adoption of the youth market: Perceptions and intentions,” Mark. Intell. Plan., vol. 30, no. 4, pp. 444–459, 2012, doi: 10.1108/02634501211231928.
H. Sun and P. Zhang, “The role of moderating factors in user technology acceptance,” Int. J. Hum. Comput. Stud., vol. 64, no. 2, pp. 53–78, 2006.
Y. Suharyat, “Hubungan antara sikap minat latihan dan kepemimpinan,” Academia, vol. 1, pp. 1–19, 2009.
P. G. Schierz, O. Schilke, and B. W. Wirtz, “Understanding consumer acceptance of mobile payment services: An empirical analysis,” Electron. Commer. Res. Appl., vol. 9, no. 3, pp. 209–216, 2010, doi: 10.1016/j.elerap.2009.07.005.
F. O. Bankole, O. O. Bankole, and I. Brown, “Mobile Banking Adoption in Nigeria,” Electron. J. Inf. Syst. Dev. Ctries., vol. 47, no. 1, pp. 1–23, 2011, doi: 10.1002/j.1681-4835.2011.tb00330.x.
C. Tam and T. Oliveira, “Understanding the impact of m-banking on individual performance: DeLone & McLean and TTF perspective,” Comput. Human Behav., vol. 61, pp. 233–244, 2016, doi: 10.1016/j.chb.2016.03.016.
D. J. Kim, D. L. Ferrin, and H. Raghav Rao, “Trust and satisfaction, two stepping stones for successful e-commerce relationships: A longitudinal exploration,” Inf. Syst. Res., vol. 20, no. 2, pp. 237–257, 2009, doi: 10.1287/isre.1080.0188.
C. Gardner and D. L. Amoroso, “Development of an instrument to measure the acceptance of internet technology by consumers,” Proc. Hawaii Int. Conf. Syst. Sci., vol. 37, no. C, pp. 4143–4152, 2004, doi: 10.1109/hicss.2004.1265623.
H. A. Ismail, “Intention to Use Smartphone Through Perceived Compatibility, Perceived Usefulness, and Perceived Ease of Use,” J. Din. Manaj., vol. 7, no. 1, p. 1, 2016.
W. Nasri and L. Charfeddine, “Factors affecting the adoption of Internet banking in Tunisia: An integration theory of acceptance model and theory of planned behavior,” J. High Technol. Manag. Res., vol. 23, no. 1, pp. 1–14, 2012.
E. Purwanto and A. M. Mutahar, “Examine the Technology of Acceptance Model Among Mobile Banking Users in Indonesia,” Technol. Reports Kansai Univ., vol. 62, no. 7, pp. 3969–3979, 2020.
Downloads
Published
How to Cite
Issue
Section
License
Authors who publish with this journal agree to the following terms:- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
