Faktor-faktor Yang Mempengaruhi pada Penerapan Internet Banking: studi kasus di wilayah Daerah Istimewa Yogyakarta

Mulyantari, Nur, Drs. Haryono, M.Com., Ak.

2008 | Skripsi | S1 Extention - Accounting

Penelitian ini bertujuan untuk menguji pengaruh dari individual characteristics, exposure to internet banking, awareness of information, banking behavior, dan internet banking adoption terhadap sikap (attitude) dalam memanfaatkan teknologi informasi. Sikap (attitude) akan mempengaruhi perilaku khusus dalam memanfaatkan teknologi informasi yang ditujukan dengan adanya perhatian perilaku (behavior intention). Data diperoleh melalui penyebaran kuesioner dengan teknik purposive sampling dengan kriteria para user internet banking di wilayah Yogyakarta. Kuesioner yang disebarkan kepada responden berjumlah 312 eksemplar, akan tetapi yang kembali dan dapat digunakan untuk analisis hanya 80 eksemplar. Sedangkan kuesioner yang disebarkan melalui email berjumlah 130, akan tetapi data yang didapatkan untuk dianalisis hanya 20. Analisis data dalam penelitian ini menggunakan model persamaan struktural (Structural Equation Modeling atau SEM) dengan metode alternatif Partial Least Square (PLS) yang dibantu dengan program aplikasi SmartPLS. Hasil analisis menunjukkan individual characteristics, exposure to internet banking, awareness of information, dan banking behavior tidak memiliki pengaruh yang positif terhadap sikap (attitude) dalam penggunaan internet banking. Sedangkan internet banking adoption memiliki pengaruh yang positif terhadap sikap (attitude) dalam penggunaan internet banking. Dan sikap (attitude) memiliki pengaruh yang positif terhadap perhatian perilaku (behavior intention) dalam penggunaan internet banking. Kata Kunci: individual characteristics, exposure to internet banking, awareness of information, banking behavior, internet banking adoption, attitude, dan behavior intention.

This research aimed for examining the influence of individual characteristics, exposure to internet banking, awareness of information, banking behavior, and internet banking adoption toward attitude in using information technology. Attitude will influence particular behavior in using technology information showed by behavior intention. The data gathering was carried out through questionnaire with purposive sampling technique with criteria users of internet banking in Yogyakarta. The distributed questionnaires were 312 copies, and 80 copies were submitted for analysis. The distributed questionnaires by email were 130, and 20 were submitted for analysis. The data analysis employed a Structural Equation Modeling (SEM) with alternative method Partial Least Square (PLS) supported by the SmartPLS application program. The analysis result showed individual characteristics, exposure to internet banking, awareness of information, and banking behavior did not have positive influence toward attitude. Internet banking adoption had positive influence toward attitude in using internet banking. Attitude had positive influence toward behavior intention in using internet banking. Keyword: individual characteristics, exposure to internet banking, awareness of information, banking behavior, internet banking adoption, attitude, and behavior intention.

Kata Kunci : individual characteristics, exposure to internet banking, awareness of information, banking behavior, internet banking adoption, attitude, dan behavior intention