Anteseden perilaku nasabah pt bankaltimtara dalam minat menggunakan layanan sms banking

Heni Rahayu Rahmawati, Sugeng Hariyadi

Abstract


SMS banking merupakan implementasi dari teknologi mobile pada bank. Penggunaan SMS banking telah populer di dunia termasuk negara Indonesia. Salah satu faktor yang legih penting dalam penggunaan teknologi informasi termasuk SMS banking adalah niat perilaku konsumen dalam menggunakan teknologi yang telahd disediakan.TAM (Technology Acceptance Model) adalah salah satu teori yang terkenal dengan perilaku konsumen dalam menggunakan atau mengadopsi teknologi. Didalam TAM (Technology Acceptance Model) menjelaskan bahwa perceived usefulness, perceived ease of use dan attitude toward behavior merupakan variabel yang mempengaruhi behavioral intention seseorang untuk menggunakan suatu teknologi informasi. Fokus dari penelitian ini adalah untuk menguji variabel-variabel yang ada pada TAM (Technology Acceptance Model) dengan menambahkan dua variabel lainnya yaitu perceived risk dan trust. Penelitian ini menggunakan sampel sebanyak 161 responden yaitu nasabah pengguna layanan SMS banking PT Bank Pembangunan Daerah Kalimantan Timur dan Kalimantan Utara. Model penelitian dan hipotesis diuji dengan menggunakan alat analisis Structural Equation Modeling (SEM). Penelitian ini berhasil membuktikan bahwa model penelitian diterima. Penelitian ini menunjukkan hasil bahwa sembilan dari sebelas hipotesis terbukti diterima dengan tingkat signifikansi 0,01. Hasil penelitian menunjukkan bahwa variabel perceived usefulness dan perceived risk berpengaruh positif signifikan terhadap attitude toward behavior, trust dan behavioral intention. Hasil penelitian juga menemukan bahwa perceived risk berpengaruh negatif signifikan terhadap attitude toward behavior dan trust. Attitude toward behavior berpengaruh positif signifikan terhadap behavioral intention, namun perceived rist dan trust memiliki pengaruh tidak signifikan terhadap behavioral intention.


Keywords


Perilaku nasabah; layanan sms banking; tam

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DOI: http://dx.doi.org/10.29264/jkin.v16i2.6277

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