Analisis Pengaruh Kepercayaan Awal Terhadap Penerimaan Teknologi Mobile Banking
HANDAYANI, CUT FITRI (Pembimbing: Sumiyana, Drs., M. Si.), Sumiyana, Drs., M. Si.
Penelitian ini meneliti lebih lanjut mengenai faktor–faktor yang mempengaruhi kepercayaan awal terhadap penerimaan teknologi mobile banking dengan menggunakan Theory Innovation dan dilengkapi dengan Technology Acceptance Model (TAM). Model penelitian ini menggunakan empat variabel independen yaitu manfaat kegunaan (relative benefits), kecenderungan pribadi (personal propensity to trust), jaminan struktural (stuctural assurance), reputasi perusahaan (firm reputation), kepercayaan awal (initial trust) dan satu variabel dependen yaitu niat penggunaan (usage intention).
Namun penelitian ini belum berhasil membuktikan adanya hubungan positif pada pengaruh reputasi perusahaan jasa dengan kepercayaan awal dan niat seseorang untuk mengadopsi mobile banking. Hal ini disebabkan karena reputasi semua bank yang menyediakan jasa layanan mobile banking dianggap mempunyai reputasi yang baik. Penjelasan lain adalah karena semua simpanan nasabah dibawah Rp 2 milyar dijamin pemerintah sesuai Undang-undang No. 24 Tahun 2004 tentang Lembaga Penjamin Simpanan, sehingga tingkat reputasi perusahaan bank tidak berpengaruh terhadap niat nasabah untuk mengadopsi mobile banking.
This study examines the factors that influence initial trust toward acceptance of mobile banking technology by using Theory of Innovation and equipped with Technology Acceptance Model (TAM). This study uses four independent variables, relative benefits, personal propensity to trust, structural assurance, firm reputation, initial trust, and one dependent variable usage intention.
The results of this study indicate that: (1) the higher perception of the relative benefits RB), the higher initial trust to use mobile banking. (2) the higher perception of the relative benefits (RB), the higher the perception of intention to use mobile banking. (3) the higher perception of trust propensity (TP), the higher initial trust to use mobile banking. (4) the higher perception of structural assurance (SA), the higher perception of initial trust (IT) to use mobile banking. (5) the higher perception of someones initial trust (IT), the higher usage intention (UI) to use mobile banking.
However, this research has not succeeded in proving the existence of a positive relationship on the influence of firm reputation with initial trust and usage intention to adopt mobile banking. This is because the reputation of all banks providing mobile banking services are considered to have a good reputation. Another explanation is all customer deposits below 2 billion rupiah include in government guaranteed, accordance with Law No. 24 of 2004 concerning the Deposit Insurance Corporation. In other words, the level of the firms reputation does not affect the customers intention to adopt mobile banking service.
Kata Kunci : kepercayaan awal, niat penggunaan, mobile banking, initial trust, usage intention, consumer behavior
