Measuring consumer acceptance of online banking in Indonesia using extended technology acceptance model

KURNIAWAN, Adhitya, Surahyo, B.Eng.,M.Eng.Sc

2007 | Tesis | Magister Manajemen

Tulisan ini bertujuan untuk mempelajari dan meningkatkan pengertian kita terhadap penerimaan online banking di Indonesia dengan menggunakan extended technology acceptance model (TAM). Variabel yang digunakan adalah Perceived Usefulness, Perceived Ease of Use, Perceived Enjoyment, Amount of Information, and Quality of Internet Connection. Variabel-variabel ini kemudian diperiksa untuk mendapatkan variabel apa saja yang mempunyai pengaruh signifikan terhadap penggunaan online banking di Indonesia. Instrument yang digunakan dalam riset ini adalah kuesioner. Kuesioner didistribusikan melalui dua metode, melalui Internet and di MMUGM. Hanya responden yang menjawab menggunakan online banking yang akan di analisis datanya. Menggunakan analisis regresi berganda, riset ini menemukan bahwa ada tiga variabel yang secara signifikan mempengaruhi penggunaan online banking. Variabel variabel itu adalah Perceived Usefulness, Perceived Enjoyment, dan Quality of Internet Connection. Temuan ini menyatakan bahwa pengguna online banking menggunakan online banking karena kegunaannya disbanding dengan saluran lain dalam menggunakan layanan bank. Perceived enjoyment juga menjadi variabel yang mempengaruhi penggunaan di Indonesia, dan menjadi hal yang harus diperhitungkan oleh pengguna online banking di Indonesia. Kualitas koneksi internet juga signifikan karena koneksi internet di Indonesia tidak begitu baik. Temuan ini dapat digunakan sebagai dasar untuk membuat keputusan dalam menyediakan layanan online banking di Indonesia.

This paper is aimed to study and increase our current understanding on the acceptance of online banking in Indonesia by using extended technology acceptance model (TAM). The variables are Perceived Usefulness, Perceived Ease of Use, Perceived Enjoyment, Amount of Information, and Quality of Internet Connection. These variables were then examined to find out which of the variables are significantly affecting the use of online banking in Indonesia. The instrument in conducting this research is questionnaire. Questionnaires are distributed through two methods, through the internet and in MMUGM. Only respondents responded the questionnaires with using online banking will be analyzed. Using multiple regression analysis this research found that there are three variables fro the six variables that are significantly affecting online banking use. They are Perceived Usefulness, Perceived Enjoyment, and Quality of Internet Connection. This finding refers to the fact that consumers who uses online banking for the benefit it provides in comparison to other banking delivery channel. It also suggested that perceived enjoyment as a factor that is influential to consumers in Indonesia, which may be perceived that enjoyment in using Internet Banking is a factor that must be considered by consumers in Indonesia. Quality of Internet Connection is significant due to the fact that the internet connection in Indonesia is not very good. These findings can be used as the basis of decision making in providing online banking services in Indonesia.

Kata Kunci : Internet Banking,Teknologi TAM,Kualitas Koneksi, extended technology acceptance model, online banking, Indonesia, perceived usefulness, perceived ease of use, perceived enjoyment, amount of information, quality of internet connection