The effect of perceived ease of use, perceived usefulness, and perceived benefits on interest in using Bank Syariah Indonesia mobile banking

Abstract

This study aims to analyze the perceived ease of use, perceived usefulness, and perceived benefits on interest in using Bank Syariah Indonesia mobile banking. The research method used is a quantitative approach. The sample size for this study was 250 respondents. Data were analyzed by structural equation modeling (SEM) and processed with AMOS 24.0. The results of the SEM analysis show that perceived usefulness has a significant positive impact on attitudes toward mobile banking use. Perceived Ease of Use has a positive and significant effect on the Perceived Usefulness of mobile banking. Perceived ease of use has no significant effect on attitudes toward using mobile banking. Perceived Usefulness has a positive and significant effect on Behavioral Intention to Use mobile banking. Therefore, attitudes toward using mobile banking have a significant positive impact on behavioral intentions to use mobile banking.

Keywords: {'name': 'Perceived Usefulness, Perceived Ease of Use, Perceived Benefits, Attitudes Towards, Behavioral Intentions to Use.'}

Authors & affiliations

Diah Ayu Paramita
Affiliation not supplied

Anas Hidayat
Affiliation not supplied

Deposited references

Supplied references, not a list of publications citing this article.

Ajzen,I, Fishbein, M.(1980).Understanding Attitudes and Predicting Social Behavior. Englewood Clifffs,NJ: Prentice-Hall. Retrieved from https://scholar.google.co.id/scholar?q=Ajzen+I,+Fishbein+M+(1980)&hl=en&as_sdt=0&as_vis=1&oi=scholart.

DOI: 10.1108/02634501211231928

Amijaya, G. R., & Rahardjo, S. T. (2010). Pengaruh Persepsi Teknologi Informasi, Kemudahan, Resiko Dan Fitur Layanan Terhadap Minat Ulang Nasabah Bank Dalam Menggunakan Internet Banking (Studi Pada Nasabah Bank Bca) (Doctoral dissertation, Perpustakaan FE UNDIP).

Andryanto, R. (2016). Pengaruh Kepercayaan, Persepsi Manfaat, dan Persepsi Kemudahan Penggunaan Terhadap Minat Beli di Toko Online (Studi Empiris yang dilakukan pada OLX. co. id di Yogyakarta). S1 thesis, Fakultas Ekonomi.

Anwar, M. F. (2018). Pengaruh Persepsi Kegunaan, Kepercayaan dan Resiko Terhadap Minat Menggunakan Mobile Banking (Studi Kasus Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Islam IAIN Salatiga) (Doctoral dissertation, IAIN SALATIGA).

Bangkara, R. P., & Mimba, N. P. S. H. (2016). Pengaruh perceived usefulness dan perceived ease of use pada minat penggunaan internet banking dengan attitude toward using sebagai variabel intervening. E-Jurnal Akuntansi Universitas Udayana, 16(3), 2408-2434.

DOI: 10.4018/jgim.2004070102

DOI: 10.2307/249008

DOI: 10.24843/EJMUNUD.2019.v08.i11.p11

Fadlan, A., & Dewantara, R. Y. (2018). Pengaruh Persepsi Kemudahan dan Persepsi Kegunaan Terhadap Penggunaan Mobile Banking. Jurnal Administrasi Bisnis, 62(1).

DOI: 10.1109/HICSS.2003.1174433

Ghozali, I. (2014). Model persamaan struktural konsep dan aplikasi dengan program AMOS 22.0 update bayesian SEM Semarang Badan Penerbit Univ.

Habibi Dan Zaky (2015). Pengaruh Kepercayaan, Persepsi Kegunaan, Persepsi Kenyamanan, dan Persepsi Kenyamanan Terhadap Minat Menggunakan Mobile Banking Syariah. Jurnal 2014, Universitas Brawijaya .

Inayah, N. (2018). Model Perilaku Penggunaan Mobile Banking di Bank Syariah. Skripsi. Semarang : Universitas islam Negeri Walisongo.

Jogiyanto. (2007). Sistem Teknologi Keperilakuan. Yogyakarta : Andi.

Juhri, K., & Dewi, C. K. (2017). Kepercayaan dan penerimaan layanan mobile money t-cash di Bandung dengan pendekatan Technology Acceptance Model (TAM). Probisnis, 10(1).

Kirana, I. D. A. I., & Kerti Yasa, N. N. (2013). Peran Gender dalam Memoderasi Pengaruh Perceived Benefit dan Perceived Cost Terhadap Niat Menggunakan Kartu Kredit di Kota Denpasar (Doctoral dissertation, Udayana University).

Kusumo, H. C. (2010). Analisis Penerimaan Mobile Banking (M-Banking) Dengan Kerumitan (Complexity) Sebagai Variabel Eksternal Dengan Menggunakan Pendekatan Technology Acceptance Model (TAM).

DOI: 10.1016/j.elerap.2008.11.006

DOI: 10.1016/S0378-7206(01)00143-4

Lestari, A. A. (2020). Pengaruh Citra Perusahaan, Perceived Benefit, Dan Kemudahan Penggunaan Terhadap Minat Bisnis Online Di Shopee Pada Mahasiswa Manajemen Feb Um Metro 2016 (Doctoral Dissertation, Universitas Muhammadiyah Metro)

DOI: 10.22373/cj.v2i2.4161

DOI: 10.1108/JIMA-04-2018-0065

DOI: 10.1016/j.hitech.2012.03.001

Ojk.go.id. (2021). Retrieved from https://www.ojk.go.id/id/kanal/syariah/tentang-syariah/Pages/PBS-dan-kelembagaan.aspx .

DOI: 10.1108/10662240410542652

Puspita, M. C. (2016). Pengujian Technology Acceptance Model Terhadap Sikap Adopsi Internet Banking di Universitas Lampung.

Riswandi, B. A. (2005). Aspek Hukum Internet Banking, Jakarta: PT. Rajagrafindo Persada, hal, 1.

Santoso, B. (2010). Pengaruh perceived usefulness, perceived ease of use, dan perceived enjoyment terhadap penerimaan teknologi informasi (Studi Empiris di Kabupaten Sragen) (Doctoral dissertation, UNS (Sebelas Maret University)).

Sulistiyarini, S. (2012). Pengaruh minat individu terhadap penggunaan mobile banking: model kombinasi Technology Acceptance Model (TAM) dan Theory of Planned Behavior (TPB). Jurnal Ilmiah Mahasiswa FEB, 1(2), 1689-1699.

Sumar’in, S. (2012). Konsep Kelembagaan Bank Syariah. Yogyakarta: Graha Ilmu.

Tjini, S. S. A., & Baridwan, Z. (2012). Pengaruh kepercayaan, persepsi kegunaan, persepsi kemudahan, dan persepsi kenyamanan terhadap minat penggunaan sistem internet banking. Jurnal Ilmiah Mahasiswa Faculty of Economics Universitas Brawijaya, 1, 1-21.

DOI: 10.18196/rab.010103

Yahyapour, N. (2008). Determining factors affecting intention to adopt banking recommender system: case of Iran.

Yamin, S., & Kurniawan, H. (2009). SPSS complete: Teknik analisis statistik terlengkap dengan software SPSS. Jakarta: Salemba Infotek.