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All Journal Jurnal Paradigma Akuntansi International Journal of Application on Economics and Business
Rachmawati, Patricia
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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THE ANALYSIS OF MOBILE BANKING ACCEPTANCE FOR TRADITIONAL PRIVATE BANK CUSTOMERS IN INDONESIA Rachmawati, Patricia; Lukman, Hendro
International Journal of Application on Economics and Business Vol. 2 No. 4 (2024): November 2024
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v2i4.815-825

Abstract

Many banks have improved digital customer service through mobile banking, including private banks and government banks. The development of mobile banking in Indonesia is very massive, starting with the COVID-19 pandemic. However, not all customers want to take full advantage of mobile banking. This research aims to analyze the factors that influence mobile banking adoption. The subjects of this research are private customers aged over 20 years. Research that uses primary data by distributing questionnaires with the variables Perceived Usefulness and Perceived East to Use with Attitude as a mediating variable. Data collection used the convenience method and continued with the snowball method. A valid questionnaire was used by 99 respondents, then analyzed using path analysis. The research results show that perceived usefulness influences mobile banking adoption, but is different from Perceived Ease to Use. The conclusions obtained from this research indicate that customers have felt the benefits of mobile banking, but customers still need effort or are not yet comfortable in operating it. The implication of this research is that banks still have to develop mobile banking systems or applications in order to simplify mobile banking operations according to the characteristics and conditions of their customers.
FAKTOR YANG MEMPENGARUHI PENGADOPSIAN MOBILE BANKING MENGGUNAKAN PENDEKATAN TAM Rachmawati, Patricia; Lukman, Hendro
Jurnal Paradigma Akuntansi Vol. 7 No. 4 (2025): Oktober 2025
Publisher : Fakultas Ekonomi, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jpa.v7i4.34736

Abstract

This study aims to determine the factors that influence the adoption of mobile banking. The subjects in this study were individuals who were 20 years old and had used mobile banking. Data was obtained by distributing questionnaires on social media in the form of a Google form. In this study, the data used is from 107 valid respondents. Data processing is done with SmartPLS 3.0 software. The results of this study indicate that perceived ease of use has no significant effect on attitude, perceived usefulness has a significant effect on attitude, attitude has a significant effect on adoption, perceived ease of use has no significant effect on adoption mediated by attitude, and perceived usefulness has a significant effect on significant to adoption mediated by attitude. The implication of this research is the need for banks to increase the convenience and benefits of using mobile banking so that customers feel that using mobile banking is easy and useful.
Co-Authors Lukman, Hendro