Analysis of factors influencing interest in the use of mobile Banking
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Aug 3, 2023
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Abstract
This study aims to examine what factors determine bank customers in the use of mobile banking services. This research method is quantitative discriptive, which is an approach that describes problems based on data in the form of numbers, then further analyzed for conclusions. This study took a sample of bank customers who have used mobile banking. Samples were taken using axial sampling techniques, from the number of respondents 101.Testing was carried out using the Spss program. Of the four variables in this study, three of them are proven, namely the perception of ease of use, risk perception affecting customers and access ability has a significant effect on interest in using mobile banking services. While the variable of perceived benefits does not have a significant effect on interest in using mobile banking services.
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How to Cite
Liniarti, S., & Nasution, R. S. A. (2023). Analysis of factors influencing interest in the use of mobile Banking. Enrichment : Journal of Management, 13(3), 1945-1951. https://doi.org/10.35335/enrichment.v13i3.1536
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Rafique, H., Almagrabi, A. O., Shamim, A., Anwar, F., & Bashir, A. K. (2020). Investigating the acceptance of mobile library applications with an extended technology acceptance model (TAM). Computers & Education, 145, 103732.
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RAMLI, Y., HARWANI, Y., SOELTON, M., HARIANI, S., USMAN, F., & ROHMAN, F. (2021). The implication of trust that influences customers’ intention to use mobile banking. The Journal of Asian Finance, Economics and Business, 8(1), 353–361.
Rokhim, R., Mayasari, I., Wulandari, P., & Haryanto, H. C. (2022). Analysis of the extrinsic and intrinsic aspects of the technology acceptance model associated with the learning management system during the COVID-19 pandemic. VINE Journal of Information and Knowledge Management Systems, ahead-of-print.
Sari, P. R. K., Hakim, L., & Kurniawati, F. (2020). Technology Acceptance Model Using Electronic Banking to Muslim Consumptive Behavior.
Souiden, N., Ladhari, R., & Chaouali, W. (2021). Mobile banking adoption: a systematic review. International Journal of Bank Marketing, 39(2), 214–241.
Syarofuddin, M., & Waluyo, M. (2022). Analisis Model Pengaruh Biaya Admin, Limit Transaksi dan Keamanan Data Pribadi Terhadap Ketertarikan dan Penggunaan Berkala Pada Layanan Keuangan Digital Flip. JUMINTEN, 3(1), 109–120.
ZEGA, D. A. (2021). HUBUNGAN ANTARA PERSEPSI KEMUDAHAN DAN PERSEPSI KEBERMANFAATAN TERHADAP MINAT PENGGUNAAN E-BANKING PT. BANK RAKYAT INDONESIA (Persero) Tbk. DI KOTA MEDAN.
Astuti, Y. W., Agriyanto, R., & Turmudzi, A. (2020). Pengaruh Kualitas Layanan, Nilai Nasabah, Kepercayaan dan Kepuasan Terhadap Loyalitas Nasabah Pengguna Layanan Mobile Banking Syariah. Jurnal Sains Pemasaran Indonesia (Indonesian Journal of Marketing Science), 19(3), 134–158.
Baabdullah, A. M. (2018). Consumer adoption of Mobile Social Network Games (M-SNGs) in Saudi Arabia: The role of social influence, hedonic motivation and trust. Technology in Society, 53, 91–102.
Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Kizgin, H., & Patil, P. (2019). Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model. International Journal of Information Management, 44, 38–52.
Elhajjar, S., & Ouaida, F. (2020). An analysis of factors affecting mobile banking adoption. International Journal of Bank Marketing, 38(2), 352–367.
Giovanis, A., Athanasopoulou, P., Assimakopoulos, C., & Sarmaniotis, C. (2019). Adoption of mobile banking services: A comparative analysis of four competing theoretical models. International Journal of Bank Marketing, 37(5), 1165–1189.
Husnita, Z., & Ariyanti, M. (2019). Pengaruh Kualitas Layanan Mobile Banking Terhadap Kepuasan Nasabah Bank Negara Indonesia (studi Kasus Mahasiswa/i Bandung Raya). EProceedings of Management, 6(2).
Juliansya, A. (2018). Pengaruh teknologi informasi kemudahan, risiko dan fitur layanan terhadap minat nasabah menggunakan internet banking. Jakarta: Fakultas Ekonomi dan Bisnis UIN Syarif Hidayatullah.
Kamal, S. A., Shafiq, M., & Kakria, P. (2020). Investigating acceptance of telemedicine services through an extended technology acceptance model (TAM). Technology in Society, 60, 101212.
Kamarudin, J., Nursiah, N., & Novianti, M. (2022). Pengaruh Faktor Kemudahan, Keamanan, dan Resiko Terhadap Kepuasan Nasabah Dalam Menggunakan Mobile Banking (Studi Kasus Pada Nasabah BRI Kabupaten Mamuju). Forecasting: Jurnal Ilmiah Ilmu Manajemen, 1(2), 11–18.
Muchingami, L. (2018). An Analysis of Customer Perception on Mobile Banking in Botswana. International Journal of Innovative Research in Science, Engineering and Technology, 7(5), 5801–5805.
Mufti, R., & Suripto, T. (2020). Analisa Minat Mahasiswa Terhadap Penggunaan Layanan Internet Banking Bank BNI Syariah. JESI (Jurnal Ekonomi Syariah Indonesia), 10(1), 55. https://doi.org/10.21927/jesi.2020.10(1).55-61
Mukaromah, N. (2020). Pengaruh persepsi manfaat, kemudahan, resiko dan fitur layanan dalam menggunakan mobile banking pada mahasiswa Fakultas Ekonomi UIN Malang. Universitas Islam Negeri Maulana Malik Ibrahim.
Mutahar, A. M., Daud, N. M., Thurasamy, R., Isaac, O., & Abdulsalam, R. (2018). The mediating of perceived usefulness and perceived ease of use: the case of mobile banking in Yemen. International Journal of Technology Diffusion (IJTD), 9(2), 21–40.
Mutiasari, A. I. (2020). Perkembangan Industri Perbankan Di Era Digital. Jurnal Ekonomi Bisnis Dan Kewirausahaan, 9(2), 32–41.
Nawangsari, S., & Widiastuti, R. (2018). Analisis Pengaruh Kualitas Layanan, Kepercayaan dan Layanan Mobile Banking Terhadap Kepuasan Nasabah Bank (Studi Kasus Pada PT Bank DKI–Depok). Sebatik, 22(2), 51–55.
Nisa, A. K. (2018). Pengaruh Pengetahuan, Kepercayaan, Dan Kemudahan Penggunaan E-Banking Terhadap Minat Bertransaksi Ulang Secara Online Dalam Perspektif Ekonomi Islam (Studi Kasus Pada Nasabah Bank BNI Syariah KC Tanjungkarang). UIN Raden Intan Lampung.
Olalere, O. E., Bin Omar, W. A., & Kamil, S. (2017). Bank Specific and Macroeconomic Determinants of Commercial Bank Profitability: Empirical Evidence from Nigeria. International Journal of Finance & Banking Studies (2147-4486), 6(1), 25. https://doi.org/10.20525/ijfbs.v6i1.627
Pallant, J. (2020). SPSS survival manual: A step by step guide to data analysis using IBM SPSS. McGraw-hill education (UK).
Pratiwi, S. (2019). Persepsi Mahasiswa Fakultas Ekonomi Dan Bisnis Islam Institut Agama Islam Negeri Bengkulu Terhadap Penggunaan Mobile Banking Bank Negara Indonesia Syariah. IAIN BENGKULU.
Rafique, H., Almagrabi, A. O., Shamim, A., Anwar, F., & Bashir, A. K. (2020). Investigating the acceptance of mobile library applications with an extended technology acceptance model (TAM). Computers & Education, 145, 103732.
Ramadhan, M. Z. J., & Asih, V. S. (2021). Studi Komparatif: Kualitas Layanan Mobile Banking BRI Syariah dan Bank Syariah Indonesia. Indonesian Journal of Economics and Management, 1(3), 578–583.
RAMLI, Y., HARWANI, Y., SOELTON, M., HARIANI, S., USMAN, F., & ROHMAN, F. (2021). The implication of trust that influences customers’ intention to use mobile banking. The Journal of Asian Finance, Economics and Business, 8(1), 353–361.
Rokhim, R., Mayasari, I., Wulandari, P., & Haryanto, H. C. (2022). Analysis of the extrinsic and intrinsic aspects of the technology acceptance model associated with the learning management system during the COVID-19 pandemic. VINE Journal of Information and Knowledge Management Systems, ahead-of-print.
Sari, P. R. K., Hakim, L., & Kurniawati, F. (2020). Technology Acceptance Model Using Electronic Banking to Muslim Consumptive Behavior.
Souiden, N., Ladhari, R., & Chaouali, W. (2021). Mobile banking adoption: a systematic review. International Journal of Bank Marketing, 39(2), 214–241.
Syarofuddin, M., & Waluyo, M. (2022). Analisis Model Pengaruh Biaya Admin, Limit Transaksi dan Keamanan Data Pribadi Terhadap Ketertarikan dan Penggunaan Berkala Pada Layanan Keuangan Digital Flip. JUMINTEN, 3(1), 109–120.
ZEGA, D. A. (2021). HUBUNGAN ANTARA PERSEPSI KEMUDAHAN DAN PERSEPSI KEBERMANFAATAN TERHADAP MINAT PENGGUNAAN E-BANKING PT. BANK RAKYAT INDONESIA (Persero) Tbk. DI KOTA MEDAN.