Faktor-Faktor yang Mempengaruhi Niat Penggunaan Perbankan Digital di Indonesia

indonesia

Penulis

  • M Iqbal Reihandho Universitas Esa Unggul Bekasi
  • Diana Fajarwati Universitas Esa Unggul Bekasi

DOI:

https://doi.org/10.34306/abdi.v4i2.961

Kata Kunci:

perceived usefulness, perceived ease of use, perceived risk, trust, attitude towards service

Abstrak

Perbankan digital merupakan layanan penting dalam meningkatkan loyalitas nasabah kepada bank. Peningkatan penggunaan teknologi informasi dalam peningkatan layanan kepada nasabah secara personal mengarahkan Bank dalam suatu era baru yaitu era Perbankan Digital. perbankan tradisional telah menurun selama COVID-19, dan akibatnya, peningkatan platform digital banking perlu diamati. Dengan demikian, potensi empiris untuk mengevaluasi layanan perbankan diperlukan untuk memahami perubahan perilaku nasabah (Ul Haq & Awan, 2020). Penelitian ini dalam survey nya menggunakan metode analisis SEM diolah dengan software Lisrel 8.8 dan software SPSS 23 digunakan sebagai uji validitas dan reliabilitas pada pretest dengan 30 responden dan uji hipotesis dilakukan menggunakan software lisrel dengan jumlah sampel 150 responden, serta kuisioner disebarkan secara online. Perceived usefulness, trust, dan attitude toward services berpengaruh positif terhadap niat menggunakan layanan perbankan digital sedangkan perceived ease of use dan Perceived risk tidak memiliki pengaruh signifikan terhadap niat menggunakan digital banking. Manfaat yang dirasakan nasabah serta kepercayaan nasabah yang diiringi dengan sikap positif dari adanya digital banking yang menumbuhkan minat dalam penggunaan layanan perbankan berbasis digital. Hasil dari studi ini menjelaskan bahwa pengaruh manfaat serta keyakinan berperan penting dalam menentukan sikap nasabah guna menumbuhkan minat penggunaan digital banking yang artinya sikap positif nasabah atas faktor-faktor tersebut mampu mempengaruhi penggunaan perbankan digital untuk mempermudah segala transaksi nasabah.

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Unduhan

Diterbitkan

2023-07-21

Cara Mengutip

Reihandho, M. I., & Fajarwati, D. (2023). Faktor-Faktor yang Mempengaruhi Niat Penggunaan Perbankan Digital di Indonesia: indonesia . ADI Bisnis Digital Interdisiplin Jurnal, 4(2), 70–80. https://doi.org/10.34306/abdi.v4i2.961