Analisis Hubungan Antara Keberterimaan teknologi Dengan Sikap Dan Adaptasi Pengguna Pada Pelanggan E-Banking
GUMILANG, RISANG CAHYO (Adv.: Sumiyana, Drs., M.Si.), Sumiyana, Drs., M.Si.
Penelitian ini dilakukan untuk menganalisis efek dari perceived usefulness, perceived ease of use, security and privacy pada customer adaptation yang dimediasi melalui customer attitude pada e-banking bank BPD DIY dan bank konvensional Indonesia lainnya. Data penelitian yang terkumpul dianalisis dengan menggunakan Structural Equation Model (SEM) melalui penggunaan aplikasi AMOS 19. Responden dalam penelitian ini adalah nasabah bank BPD DIY dan nasabah bank konvensional lainnya yang pernah menggunakan fasilitas perbankan yaitu e-banking.
Hasil penelitian ini menemukan bahwa (1) variabel perceived usefulness berpengaruh positif terhadap customer attitude, (2) variabel perceived usefulness berpengaruh positif terhadap customer adaptation, (3) variabel perceived ease of use berpengaruh positif terhadap customer attitude, (4) variabel perceived ease of use berpengaruh positif terhadap customer adaptation, (5) variabel security and privacy berpengaruh positif terhadap customer attitude, (6) variabel security and privacy berpengaruh positif terhadap customer adaptation, (7) variabel customer attitude berpengaruh positif terhadap customer adaptation.
This research was conducted to analyze the effect of perceived usefulness, perceived ease of use, security and privacy to the customer adaptation mediated through customer attitude on e-banking at BPD DIY banks and conventional banks in Indonesia. The research data collected were analyzed using Structural Equation Model (SEM) through the use of application AMOS 19. Respondents in this study were bank customers BPD DIY and other conventional bank customers who had used e-banking.
The results of this study found that (1) variables of perceived usefulness has a positive relationship on customer attitude, (2) variables of perceived usefulness has a positive relationship on positive effect on customer adaptation, (3) variables of perceived ease of use has a positive relationship on attitude towards customers, (4) variables of perceived ease of use has a positive relationship on customer adaptation, (5) variables of security and privacy has a positive relationship on customer attitude, (6) variables of security and privacy has a positive relationship on customer adaptation, (7) variables of customer attitude has a positive relationship on customer adaptation.
Kata Kunci : e-banking, perceived usefulness, perceived ease of use, security and privacy, customer attitude, customer adaptation, Technology Acceptance Model (TAM), Structural Equation Model (SEM),
