Faktor-faktor yang Mempengaruhi Penggunaan Ulang Internet Banking (Studi Kasus Nasabah Bank di Indonesia)

Putra, Harris Adiyono (Adv : Syaiful Ali, S.E., M.Si., Ph.D.), Syaiful Ali, S.E., M.Si., Ph.D.

2015 | Skripsi | S1 Accounting

Penelitian ini dilakukan untuk menganalisis penerimaan sistem teknologi informasi dalam penggunaan internet banking dengan nasabah pengguna internet banking sebagai subyek penelitian.

Pengukuran penerimaan sistem teknologi informasi dalam penggunaan internet banking diukur dengan menggunakan perceived usefulness, ease of use, privacy, risk, trust, dan security.

Penelitian ini menggunakan dasar Expected Confirmation Theory yang diperkenalkan oleh Bhattacherje (2001).

Ditambah dua variabel yang direplikasi dari penelitian sebelumnya oleh Pikkarainen et al. (2004) yaitu perceived ease of use dan perceived usefulness yang diadopsi dari Technology Acceptance Model (TAM) oleh Davis, 1989.

Pengujian hipotesis akan dirumuskan ke dalam model persamaan regresi linier berganda.

Model ini juga akan dianalisis kekonsistenan hasil persamaan regresinya dengan model II, III dan IV.

Hasil penelitian ini menunjukkan bahwa privacy, risk, trust, dan security memiliki pengaruh positif signifikan terhadap penggunaan internet banking.

Berdasarkan analisis konsistensi hasil persamaan regresi, ditemukan bahwa variabel-variabel tersebut secara konsisten mempengaruhi penggunaan internet banking.

Penelitian ini juga menunjukkan bahwa keamanan mempunyai peranan penting dalam penggunaan internet banking.

This research was conducted to analyze the acceptance of information technology systems in the use of internet banking to customers internet banking users as research subjects.

Measurement acceptance of information technology systems in the use of internet banking is measured by using perceived usefulness, ease of use, privacy, risk, trust, and security.

This research based on Expected Confirmation Theory, introduced by Bhattacherje (2001).

Plus two variables that were replicated from previous research by Pikkarainen et al. (2004) that is perceived ease of use and perceived usefulness which are adopted from the Technology Acceptance Model (TAM) by Davis, 1989.

Hypothesis testing will be formulated into a model of multiple linear regression equation.

This model of regression equation results consistency will also be analyzed with the model II, III and IV.

The results of this research indicate that the privacy, risk, trust, and security has significant positive influence on the use of internet banking.

Based on the results of the regression equation consistency analysis, it was found that these variables consistently affect the use of internet banking.

This research also indicates that security plays an important role in the use of internet banking.

Kata Kunci : Internet Banking, Expected Confirmation Theory, Technology Acceptance Model (TAM), Regresi Linier, Keamanan,