ANALISA FAKTOR YANG MEMPENGARUHI MINAT NASABAH MENGGUNAKAN INTERNET BANKING STUDI EMPIRIS: NASABAH BANK BRI CABANG BENGKULU
NUGROHO, HARTANTYO HADHI (Adv.: Syaiful Ali, S.E., M.I.S., Ph.D.), Syaiful Ali, S.E., M.I.S., Ph.D.
Penelitian ini menguji dan menganalisis model minat nasabah menggunakan internet banking yang melibatkan konsep kepercayaan (trust), daya tarik (attraction) dan komitmen (commitment) nasabah. Penelitian ini juga menganalisis tentang faktor-faktor yang mempengaruhi kepercayaan dan komitmen nasabah dalam menggunakan layanan internet banking. Pada model internet banking yang melibatkan konsep kepercayaan, kepercayaan dipengaruhi oleh beberapa faktor, yaitu security, regulatory control, technology advancement, dan reputation. Selain itu, komitmen nasabah dalam model internet banking melibatkan affective commitment dan calculative commitment yang dipengaruhi oleh faktor attraction. Penelitian ini dilakukan di Bank Rakyat Indonesia Cabang Bengkulu. Data pada penelitian ini dianalisis menggunakan Structural Equation Model (SEM), yaitu dengan menggunakan aplikasi AMOS 19. Responden penelitian ini adalah nasabah Bank Rakyat Indonesia Cabang Bengkulu dan berjumlah 197 responden.
Hasil penelitian menunjukkan bahwa (1) variable security, technology advancement, dan reputation memiliki pengaruh positif terhadap kepercayaan nasabah pada layanan internet banking, (2) kepercayaan memiliki pengaruh positif terhadap minat nasabah bank untuk menggunakan layanan internet banking, (3) daya tarik memiliki pengaruh positif terhadap komitmen afektif dan komitmen kalkulatif nasabah pada layanan internet banking, dan (4) komitmen afektif berpengaruh positif terhadap minat nasabah menggunakan layanan internet banking.
This research is aimed to test and analyze the model of clientsÂ’ willingness to try the internet banking service covering some concepts, which are trust, attraction, and clientsÂ’ commitment. This research also analyzes the factors influencing the clientsÂ’ trust and commitment in using the internet banking service. In the model of internet banking service covering the trust concept, it is influenced by several factors, which are security, regulatory control, technology advancement, and reputation. Besides, the clientsÂ’ commitment in the internet banking model involves the affective and calculative commitment which is influenced by the attraction factor. This research is located at Bank Rakyat Indonesia, Bengkulu Branch. The data gathered in this research are analyzed by using the Structural Equation Model (SEM) which employs AMOS 19 application. The respondents of this research are the clients of Bank Rakyat Indonesia Bengkulu Branch which consist of 197 respondents.
The results of this research show that (1) the security, technology advancement, and reputation variables possess positive influences towards the trust of the clients to the internet banking service, (2) the trust variable possesses positive influences towards the willingness of the clients in using the internet banking service, (3) the attraction variable possesses positive influences towards the clientsÂ’ affective and calculative commitment in using the internet banking service, and (4) the affective commitment possesses positive influences towards the willingness of the clients in using the internet service banking.
Kata Kunci : Trust, Internet banking, Attraction, Commitment, Willingness to try, Technology Acceptance Model (TAM), Structural Equation Model (SEM),
