Kesiapan Nasabah Bank OCBC NISP dalam Mengadopsi Teknologi Perbankan Digital

ARINDI ASSARI, Dr. Agus Setiawan, M.Sc., Sc.

2020 | Tesis | MAGISTER MANAJEMEN (KAMPUS JAKARTA)

Penelitian ini bertujuan mengukur kesiapan Nasabah Bank OCBC NISP pada penggunaanmaplikasi ONe Mobile (MobilemBanking OCBC NISP) dengan mengaplikasikan konsep Technology Readiness (TR) yang dipadukan dengan Technology Acceptance Model (TAM). Data yang telah dikumpulkan melalui kuesioner akan diuji dengan menggunakan Structural Equation Modeling (SEM) agar peneliti dapat menguji hubungan antara variabel yang kompleks untuk memperoleh gambaran menyeluruh mengenai keseluruhan model. Hasil penelitian menunjukkan bahwa: 1) Optimism berpengaruh positif pada perceived ease of use dan perceived usefulness, 2) Innovativeness tidak berpengaruh terhadap perceived ease of use namun berpengaruh terhadap perceived of usefulness, 3) Insecurity tidak berpengaruh terhadap perceived ease of use dan perceived of usefulness, 4) Discomfort berpengaruh positif pada perceived ease of use namun berpengaruh negatif terhadap perceived usefulness, 5) Perceived ease of use berpengaruh positif terhadap perceived of usefulness.

This study aims to measure the readiness of Bank OCBC NISP customers on the use of the ONe Mobile application (MobilemBanking OCBC NISP) by applying the concept of Technology Readiness (TR) combined with the Technology Acceptance Model (TAM). The data that has been collected through the process of quantification will be tested using Structural Equation Modeling (SEM) so that researchers can examine the relationship between the variable variables that are complex to obtain the overall depiction of the overall model. The results showed that: 1) Optimism had a positive effect on perceived wealth ofmuse and perceived usefulness, 2) Innovativeness had no effect on perceivingmeasemofmusem but had a positive influence on perceivedmof usefulness, 3) Insecurity had no effect on perceived ease of use and perceived of usefulness, 4) Discomfort had a positive effect on perceived ease of use but had influence negative effect on perceived usefulness, 5) Perceived ease of use has a positive effect on perceived usefulness.

Kata Kunci : Technologyg Readiness Index (TRI), Technology Acceptance Model (TAM), Digital Banking Technology, Fintech, Teknologi perbankan digital, mobile banking, bank