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All Journal Journal Of Sharia Banking JIFTECH: Journal Of Islamic Financial Technology
Siregar, Tima Sari
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Economics, Econometrics & Finance

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Determinants Of Intentions To Use Mobile Banking With The Technology Acceptance Model (Tam) Approach Siregar, Tima Sari; Nasution, Hamni Fadlilah; Fauzan, M; Matondang, Zulaika
Journal of Islamic Financial Technology Vol 4, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i1.16369

Abstract

AbstractMany students have difficulty using mobile banking. The existence of mobile banking should make it easier for students to transact and give students freedom of time, quick response, and cost savings.  The purpose of this study is to determine the influence perceived usefulness and perceived ease of use on the intention to use Mobile banking. The concept in this study uses the Technology Acceptance Model (TAM). This model is a theoretical tool to test the extent to which a technology is accepted and benefited by a user. This type of research is quantitative research. The data collection technique uses questionnaires, documentation with a sample of 68 respondents. The data analysis technique used is using SmartPLS software version 4. Measurement models are used for validity and reliability tests, while structural models are used for causality tests (hypothesis testing with predictive models). The results of the study showed that there was an influence of usability perception on the intention to use mobile banking. And there is an influence of the perception of ease of use on the Intention to Use Mobile banking. In addition, the perception of usability and perceived ease of use explained the intention to use mobile banking by 0.902 or 90.2% and the rest was explained by other variables that were not studied by the researchers.
DETERMINAN INTENSI MAHASISWA DALAM MENGGUNAKAN MOBILE BANKING DENGAN PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL (TAM) Siregar, Tima Sari; Nasution, Hamni Fadlilah; Ratna, Ratna
Journal Of Sharia Banking Vol 5, No 2 (2024): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v5i2.13961

Abstract

Mahasiswa banyak yang kesulitan dalam menggunakan mobile banking. Seharusnya dengan adanya mobile banking dapat memudahkan mahasiswa dalam bertransaksi dan memberikan mahasiswa kebebasan waktu, respon cepat, dan penghematan biaya. Tujuan penelitian ini adalah untuk mengetahui pengaruh persepsi kegunaan (perceived usefulness) dan persepsi kemudahan penggunaan (perceived ease of use) terhadap intensi penggunaan Mobile banking. Konsep pada penelitian ini menggunakan Technology Acceptance Model (TAM). Model ini merupakan sebuah alat teoritis untuk menguji sejauh mana suatu teknologi diterima dan dirasakan manfaatnya oleh seorang pengguna. Jenis penelitian ini adalah penelitian kuantitatif. Teknik pengumpulan data menggunakan angket dan dokumentasi dengan jumlah sampel 68 responden. Teknik analisis data yang digunakan adalah dengan menggunakan software SmartPLS versi 4. Model pengukuran digunakan untuk uji validitas dan reabilitas, sedangkan model struktural digunakan untuk uji kausalitas (pengujian hipotesis dengan model prediksi). Hasil penelitian menunjukkan terdapat pengaruh persepsi kegunaan (perceived usefulness) terhadap intensi penggunaan mobile banking. Dan terdapat pengaruh persepsi kemudahan penggunaan (perceived ease of use) terhadap Intensi Penggunaan Mobile banking. Selain itu, persepsi kegunaan (Perceived Usefulness) dan persepsi kemudahan penggunaan (perceived ease of use) menjelaskan intensi penggunaan mobile banking sebesar 0,902 atau 90,2% dan sisanya dijelaskan oleh variabel lain yang tidak diteliti oleh peneliti.
Co-Authors Hamni Fadlilah Nasution M FAUZAN Ratna Ratna Zulaika Matondang