ANALISIS RENDAHNYA PENERIMAAN TEKNOLOGI MOBILE BANKING NASABAH PT BANK PEMBANGUNAN DAERAH PAPUA CABANG MERAUKE

UMI MUVIDAH, Bayu Sutikno, S.E.,M.S.M., Ph.D

2020 | Tesis | Magister Manajemen

Penelitian bertujuan menganalisis factor-faktor yang mempengaruhi rendahnya penerimaan teknologi m-banking nasabah Bank Papua Cabang Merauke, dengan desain penelitian kuantitatif. Metode pengambilan data dilakukan secara survei dengan kuisioner yang dibagikan secara online kepada nasabah Bank Papua Cabang Merauke yang belum menggunakan aplikasi m-banking. Jumlah sampel yang digunakan sebanyak 142 responden. Data dianalisis menggunakan pendekatan SEM-PLS dengan bantuan SmartPLS 3. Hasil penelitian menunjukkan bahwa rendahnya penerimaan teknologi m-banking nasabah Bank Papua dipengaruhi beberapa faktor sesuai model UTAUT (Unified Theory of Acceptance and Use of Technology) yang dimodifikasi. Faktor yang terbukti berpengaruh signifikan positif pada niat menggunakan m-banking diantaranya adalah harapan kinerja, kebiasaan, motivasi hedonis dan keinovatifan individu. Beberapa faktor yang tidak berpengaruh signifikan positif adalah harapan usaha, pengaruh sosial, kondisi fasilitas dan nilai harga. Dengan memperhatikan hal-hal tersebut diharapkan akan membantu Bank Papua dalam mengetahui beberapa alasan rendahnya penerimaan teknologi m-banking tersebut, sehingga akan meningkatkan pelayanan menjadi lebih baik kedepannya yang berpengaruh dalam peningkatan pengguna aplikasi m-banking sehingga dapat meningkatkan feebase income Bank, mengurangi biaya transaksi, pengembangan bisnis dan meningkatkan kepercayaan/loyalitas nasabah.

This study aims to analyze the factors that influence the low acceptance of m-banking technology for customers of Bank Papua, Merauke Branch, with a quantitative research design. The data collection method was carried out in a survey with questionnaires distributed online to Bank Papua Merauke Branch customers who have not used the m-banking application. The number of samples used was 142 respondents. Data were analyzed using the SEM-PLS approach with the help of SmartPLS 3. The results showed that the low acceptance of m-banking technology for Bank Papua customers was influenced by several factors according to the UTAUT (Unified Theory of Acceptance and Use of Technology) model. Factors that proved to have a significant positive effect on the intention to use m-banking include performance expectations, habits, hedonic motivation and individual innovativeness. Several factors that did not have a positive significant effect were business expectations, social influence, facility conditions and price value. By paying attention to these matters, it is hoped that it will help Bank Papua in knowing some of the reasons for the low acceptance of m-banking technology, so that it will improve services for the better in the future which will have an effect on increasing m-banking application users so as to increase the Bank's feebase income. Key words: Low use of m-banking, UTAUT model, Merauke branch of Bank Papua

Kata Kunci : Rendahnya penggunaan m-banking, model UTAUT, Bank Papua cabang Merauke/ Low use of m-banking, UTAUT model, Merauke branch of Bank Papua