The Analisa Niat Penggunaan Aplikasi Mobile Banking Oleh Nasabah Perbankan Pada Masa Pandemi Covid 19
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Nov 1, 2021
Keywords:
perceived usefulness, perceived ease of use, perceived trust, niat menggunakan m-banking, pengaruh sosial
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Abstract
Semakin bertambahnya jumlah masyarakat yang terinfeksi virus covid 19 mendorong perusahaan perbankan untuk mengurangi kontak langsung antara nasabah dengan karyawan. Salah satu cara yang dapat diandalkan oleh perusahaan perbankan untuk mengurangi nasabah yang bertransaksi secara langsung adalah melalui aplikasi mobile banking (m-banking). Oleh sebab itu, perusahaan perbankan perlu untuk melakukan edukasi dan sosialisasi kepada nasabahnya agar beralih dari transaksi langsung ke kantor cabang menjadi transasksi dengan menggunakan aplikasi m-banking. Agar program ini dapat berjalan sesuai target maka dibutuhkan data terkait pola perilaku nasabah dalam penggunaan m-banking. Penelitian ini akan membahas variabel-variabel yang mempengaruhi keinginan nasabah untuk tertarik menggunakan m-banking. Hasil penelitian ini diyakini akan membantu pihak manajemen perbankan dalam menyusun kebijakan strategis yang berkaitan dengan pemasaran m-banking. Penelitian ini mengulas empat variabel independen yaitu perceived usefulness, perceived ease of use, pengaruh sosial dan perceived trust terhadap niat untuk menggunakan m-banking. Metode analisis data yang digunakan dalam penelitian ini adalah melalui program SPSS dengan responden sebanyak 150 orang.
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References
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Pal R, Bhadada., S.K. (2020). Cash, Currency and Covid. Postgrad Med J Epub. doi:10.1136/ postgradmedj-2020-138006.
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Sabraz, N.S., & Yamin, F. (2018). Sri Lankan Customers’ Behavioural Intention to Use Mobile Banking: A Structural Equation Modelling Approach. Journal of Information Systems & Information Technology (JISIT).
Saji, T. G., & Paul, D. (2018). Behavioural Intention to the Use of Mobile Banking in Kerala: An Application of Extended Classical Technology Acceptance Model. Metamorphosis: A Journal of Management Research. https://doi.org/10.1177/0972622518792802.
Sekaran, U., & Bougie, R. (2016). Reaserch methode for business: A skill building approach. John Wiley and Sons.
Singh, S., & Srivastava, R. K. (2018). Predicting the intention to use mobile banking in India. International Journal of Bank Marketing. https://doi.org/10.1108/IJBM-12-2016-0186.
Sugiyono. (2018). Metode Penelitian Kuantitatif, Kualitatif dan R&D.
Smith, T.A. (2020), “The role of customer personality in satisfaction, attitude-to-brand and loyalty in mobile services”, Spanish Journal of Marketing – ESIC.
Yudaruddin, R. (2020). Mobile Banking, Kinerja dan Stabilitas Keuangan: Studi Empiris di Perbankan Indonesia. Buletin Riset Kebijakan Perbankan.
Wijoyo, H. (2020). Perancangan Sistem Informasi Administrasi pada Quality Fresh Laundry Pekanbaru. JS (Jurnal Sekolah), 4(1), 27-32.
Wijoyo, H. (2021). Rancang Bangun System Informasi Berbasis Website dengan Penerapan QR Code pada Pengelolaan Persediaan Barang. Insan Cendekia Mandiri.
Musnaini, M., & Wijoyo, H. (2021). Impact of Variety Seeking, dan Elektronic Word of Mouth of Cosmetic Brand Switching Brand Switching di Industri Kosmetik Indonesia. Ekonam: Jurnal Ekonomi, Akuntansi & Manajemen, 3(1), 23-32.
Siagian, A. O., & Wijoyo, H. (2021). Sistem Pembantu Keputusan Penerima Karyawan Menggunakan Metode TOPSIS di PT Trans Media Corpora. INCODING, 1(1), 53-61.
Wijoyo, H. (2020). RANCANG BANGUN SISTEM INFORMASI PENGGAJIAN DAN ABSENSI KARYAWAN MEGARA HOTEL PEKANBARU BERBASIS WEB. Ekonam: Jurnal Ekonomi, Akuntansi & Manajemen, 2(2), 56-76.
Belanche, D., Casalo, L.V. and Flavian, C. (2019). Artificial Intelligence in FinTech: understanding robo-advisors adoption among customers. Industrial Management and Data Systems, Vol. 119 No. 7, pp. 1411-1430.
Calvo, P.C., & Nieto.M, M. (2019). The moderating influence of involvement with ICTs in mobile services. Spanish Journal of Marketing - ESIC.
Calvo, P.C., & Otero, P. L. M. (2020). A profile of mobile service users in a mature market: from ‘uninvolved pragmatics’ to ‘potential switchers. Spanish Journal of Marketing–ESIC. doi: 10.1108/SJME-03-2020-0046.
Chuchuen, C. (2016). The Perception of Mobile Banking Adoption: The Study of Behavioral, Security, and Trust in Thailand. International Journal of Social Science and Humanity. https://doi.org/10.7763/ijssh.2016.v6.708.
Covid19.go.id.2020. Pasien sembuh menembus angka 251.481. https://covid19.go.id/p/berita/pasien-sembuh-menembus-angka-251481-kasus.
Daragmeh, A., Sagi, J., Zéman, Z. (2021). Continuous Intention to Use E-Wallet in the Context of the COVID-19 Pandemic: Integrating the Health Belief Model (HBM) and Technology Continuous Theory (TCT). J. Open Innov. Technol. https:// doi.org/10.3390/joitmc7020132.
Davis, F.D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340. https://doi.org/10.2307/249008.
Davis, F.D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science. https://doi.org/10.1287/mnsc.35.8.982.
Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention and behaviour: An introduction to theory and research. Reading: MA Addison Wesley.
Flavian, C; & Miguel, G. (2020). Mobile payments adoption introducing mindfulness to better understand consumer behavior. International Journal of Bank Marketing. doi 10.1108/IJBM-01-2020-0039.
Ghozali, I. (2011). Aplikasi Analisis Multivariate dengan Program IBM SPSS 19. Semarang: Universitas Diponegoro.
Hair J. F., Black, W. C., Babin, B. J & Anderson, R. E. (2014). Multivariate Data Analysis. Seventh Edision, Prentice Hall, Upper Saddle River, New Jersey.
Hair J.F., (2018). Multivariate Data Analysis (MVDA). In Pharmaceutical Quality by Design: A Practical Approach. https://doi.org/10.1002/9781118895238.ch8.
Hu, X., & Lai, C. (2019). Comparing factors that influence learning management systems use on computers and on mobile. Information and Learning Science, 120(7–8), 468–488. https://doi.org/10.1108/ILS-12-2018-0127.
Jaiyeoba, O. O., & Iloanya, J. (2019). E-learning in tertiary institutions in Botswana: apathy to adoption. International Journal of Information and Learning Technology, 36(2), 157–168. https://doi.org/10.1108/IJILT-05-2018-0058.
Jung, T. H., Lee, H., Chung, N., & Dieck, M. C. (2018). Cross-cultural differences in adopting mobile augmented reality at cultural heritage tourism sites. International Journal of Contemporary Hospitality Management. https://doi.org/10.1108/IJCHM-02-2017-0084.
Koksal, M. H. (2016). The intentions of Lebanese consumers to adopt mobile banking. International Journal of Bank Marketing. https://doi.org/10.1108/IJBM-03-2015-0025.
Liebana, C.F., Munoz, L.F. & Sanchez, F.J. (2018). A global approach to the analysis of user behavior in mobile payment systems in the new electronic environment. Service Business Vol. 12 No. 1, pp. 25-64.
Luna, I. R., Liebana, C. F., Sanchez, F. J. & Munoz, L. F. (2018). Mobile payment is not all the same: the adoption of mobile payment systems depending on the technology applied. Technological Forecasting and Social Change, Vol. 146, pp. 931-944.
Montazemi, A. R. & Qahri-Saremi, H. (2015). Factors affecting adoption of online banking: A metaanalytic structural equation modeling study. Information & Management, Vol. 52 No. 2, pp. 210–226.
Mpinganjira, M. (2019). Cognitive absorption and behavioural intentions in virtual health communities: A focus on content posters. Journal of Systems and Information Technology. https://doi.org/10.1108/JSIT-06-2017-0044.
Namahoot, K.S., & Tipparat, L. (2018). Assessing the intentions to use internet banking: the role of perceived risk and trust as mediating factors. International Journal of Bank Marketing. https://doi.org/10.1108/IJBM-11-2016-0159.
Nugroho, Y. A. (2016). The Effect of Perceived Ease of Use, Perceive of Usefulness, Perceive Risk and Trust Towards Behavior Intention in Transaction by Internet. Business and Entrepreneurial Review. https://doi.org/10.25105/ber.v9i1.26.
Phonthanukitithaworn, C., Sellitto, C., & Fong, M. W. L. (2016). An investigation of mobile payment (m-payment) services in Thailand. Asia-Pacific Journal of Business Administration. https://doi.org/10.1108/APJBA-10-2014-0119.
Pal R, Bhadada., S.K. (2020). Cash, Currency and Covid. Postgrad Med J Epub. doi:10.1136/ postgradmedj-2020-138006.
Purnomo, A. R. (2016). Analisis Statistik Ekonomi dan Bisnis dengan SPSS.
Sabraz, N.S., & Yamin, F. (2018). Sri Lankan Customers’ Behavioural Intention to Use Mobile Banking: A Structural Equation Modelling Approach. Journal of Information Systems & Information Technology (JISIT).
Saji, T. G., & Paul, D. (2018). Behavioural Intention to the Use of Mobile Banking in Kerala: An Application of Extended Classical Technology Acceptance Model. Metamorphosis: A Journal of Management Research. https://doi.org/10.1177/0972622518792802.
Sekaran, U., & Bougie, R. (2016). Reaserch methode for business: A skill building approach. John Wiley and Sons.
Singh, S., & Srivastava, R. K. (2018). Predicting the intention to use mobile banking in India. International Journal of Bank Marketing. https://doi.org/10.1108/IJBM-12-2016-0186.
Sugiyono. (2018). Metode Penelitian Kuantitatif, Kualitatif dan R&D.
Smith, T.A. (2020), “The role of customer personality in satisfaction, attitude-to-brand and loyalty in mobile services”, Spanish Journal of Marketing – ESIC.
Yudaruddin, R. (2020). Mobile Banking, Kinerja dan Stabilitas Keuangan: Studi Empiris di Perbankan Indonesia. Buletin Riset Kebijakan Perbankan.
Wijoyo, H. (2020). Perancangan Sistem Informasi Administrasi pada Quality Fresh Laundry Pekanbaru. JS (Jurnal Sekolah), 4(1), 27-32.
Wijoyo, H. (2021). Rancang Bangun System Informasi Berbasis Website dengan Penerapan QR Code pada Pengelolaan Persediaan Barang. Insan Cendekia Mandiri.
Musnaini, M., & Wijoyo, H. (2021). Impact of Variety Seeking, dan Elektronic Word of Mouth of Cosmetic Brand Switching Brand Switching di Industri Kosmetik Indonesia. Ekonam: Jurnal Ekonomi, Akuntansi & Manajemen, 3(1), 23-32.
Siagian, A. O., & Wijoyo, H. (2021). Sistem Pembantu Keputusan Penerima Karyawan Menggunakan Metode TOPSIS di PT Trans Media Corpora. INCODING, 1(1), 53-61.
Wijoyo, H. (2020). RANCANG BANGUN SISTEM INFORMASI PENGGAJIAN DAN ABSENSI KARYAWAN MEGARA HOTEL PEKANBARU BERBASIS WEB. Ekonam: Jurnal Ekonomi, Akuntansi & Manajemen, 2(2), 56-76.
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