Factors Affecting the Intention to Adopt Digital Banking by Digital Saving Customers (Case Study of Syariah Mandiri Bank)


Authors : Siti Nurmaliki; Dr. Mirza, MM

Volume/Issue : Volume 6 - 2021, Issue 6 - June

Google Scholar : http://bitly.ws/9nMw

Scribd : https://bit.ly/3yVQhzY

This study aims to determine and test the factors influencing banking customer behavior when using the Digital Savings application in Indonesia. These factors are obtained from the Technology Acceptance Model (TAM) and Theory of Planned Behavior (TPB) theory, including perceived usefulness, perceived ease of use, Attitude, perceived behavioral control and added other variables, namely social influence and trust. This type of research is descriptive and verified, so the research method is an explanatory survey. The population is Digital Savings customers in banks that have Digital Savings products in DKI Jakarta. The required sample size is 174 customers, using the Hair formula, with a purposive sampling technique. This research will be tested and analyzed by using multiple linear regression statistical tests. The results showed that three variables influenced the intention to use the Digital Savings application, namely Perceived Usefulness, Attitude, and Trust. While the variables Perceived Easy of Use, Perceived Behavior Control, and Social Influence do not significantly influence the Digital Savings application's intention. However, the intention to use the Digital Savings application can dramatically affect using the Digital Savings application.

Keywords : TPB, TAM, Trust, Social Influence, Intention to Use and Behavior of Using the Digital Savings

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Paper Submission Last Date
31 - October - 2021

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