JEFMS Journal

ABSTRACT:

The growth of the banking industry is increasing rapidly, this has resulted in increasingly intense competition between these banks. One of them is using mobile banking services. This Mobile Banking service is to answer the needs of society in the digital era to carry out a number of financial transactions for customers who want convenience. Where the use of technology in banking refers to the theory of technology acceptance model (Technology Acceptance Model or TAM) which is a model of acceptance of information technology systems that will be used by customers in the form of using mobile banking applications. This study aims to determine the role of attitude in mediating the effect of perceived usefulness on intention to use Nagari Mobile Banking (Case Study on Customers of Bank Nagari Main Branch). The population is all customers using Nagari Mobile Banking banking services at Bank Nagari Main Branch with a total sample of 100 people. The sampling technique used purposive sampling method. Data analysis using SEM-Partial Least Square (PLS). The results of the research are as follows, perceived usefulness has a positive and significant effect on customer attitudes in using Nagari Mobile Banking, perceived usefulness has a positive and significant effect on intention to use Nagari Mobile Banking, customer attitude has a significa nt positive effect on intention to use Nagari Mobile Banking, and Perceived usefulness has a significant positive effect on the intention to use Nagari Mobile Banking which is mediated by the customer's attitude.

KEYWORDS:

Perceived Usefulness, Intention to Use, Attitude

REFERENCES:

1)Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior And Human Decision Processes, 50(2), 179– 211. https://doi.org/10.1080/10410236.2018.1493416

2) Al-ajam, A. S., & Nor, K. M. (2013). Influencing Factors on Behavioral Intention to Adopt Internet Banking Service. World Applied Sciences Journal, 22(11), 1652–1656. https://doi.org/10.5829/idosi.wasj.2013.22.11.2896

3) Al-majali, M. M., & Mat, N. K. N. (2010). Applications of planned behavior theory on internet banking services adoption in Jordan : Structural equation modeling approach. China-USA Business Review, 9(12), 1–12. Retrieved from http://search.proquest.com.proxy.grenoble- em.com/buscoll/docview/1468887976/77F2469C85D041A8PQ/9?accountid=42864

4) Damiati., Masdarini, L., Suriani, M., Adnyawati, N. D. M. S., Marsiti, C. I. R., Widiartini, K., & Angendari, M. D. (2017). Perilaku Konsumen. Depok: Rajawali Pers.

5) Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008

6) Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989a). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), 982–1003. https://doi.org/10.1287/mnsc.35.8.982

7) Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989b). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), 982–1003. https://doi.org/10.1287/mnsc.35.8.982

8) Firmansyah, M. A. (2018). Perilaku Konsumen Sikap dan Pemasaran. Yogyakarta: Deepublish.

9) Ghozali, I. (2014). Structural Equation Modeling Metode Alternatif Dengan Partial Least Square PLS Dilengkapi Software Smartpls 3.00 Xistat 2014 dan WarpPLS 4.0. (Edisi 4). Semarang: Badan Penerbit Universitas Diponegoro Semarang.

10) Gu, J.-C., Lee, S.-C., & Suh, Y.-H. (2009). Determinants of behavioral intention to mobile banking. Expert Systems with Applications, 36(9), 11605–11616. https://doi.org/10.1016/j.eswa.2009.03.024

11) Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate Data Analysis: A Global Perspective (7th editio). New Jersey: Pearson Prentice Hall.

12) Ho, J. C., Wu, C. G., Lee, C. S., & Pham, T. T. T. (2020). Factors affecting the behavioral intention to adopt mobile banking: An international comparison. Technology in Society, 63, 1–9. https://doi.org/10.1016/j.techsoc.2020.101360

13) Jatmiko, B. P. (2021). Perkuat Sistem Keamanan Digital, Perbankan Berlomba Siapkan Belanja IT. Https://Money.Kompas.Com/Read/2021/06/23/142734626/Perkuat-Sistem-Keamanan-Digital-Perbankan-Berlomba- Siapkan-Belanja-It?Page=all.

14) Jogiyanto. (2007). Sistem Informasi Keperilakuan. Yogyakarta: Andi.

15) Jogiyanto, & Abdillah, W. (2016). Konsep & Aplikasi PLS (Partial Least Square) untuk Penelitian Empiris. Yogyakarta: BPFE.

16) Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), 310–322. https://doi.org/10.1016/j.chb.2009.10.013

17) Kompasiana.com. (2017). Digital Money: Peluang dan Tantangan bagi Bisnis Perbankan. Https://Www.Kompasiana.Com/Chesarina13/5a0201daa4b06847fb7663e2/Di?Page=all&page_images=1.

18) Lai, V. S., Chau, P. Y. K., & Cui, X. (2010). Examining internet banking acceptance: a comparison of alternative technology adoption models. International Journal of Electronic Business, 8(1), 51–79. https://doi.org/10.1504/ijeb.2010.030716

19) Laksana, G. B., Astuti, E. S., & Dewantara, R. Y. (2015). Pengaruh Persepsi Kemanfaatan, Persepsi Kemudahan Penggunaan, Persepsi Resiko Dan Persepsi Kesesuaian Terhadap Minat Menggunakan Mobile Banking (Studi Pada Nasabah Bank Rakyat Indonesia (BRI) Kantor Cabang Rembang, Jawa Tengah). Jurnal Administrasi Bisnis, 26(2), 1–8.

20) Mediaindonesia.com. (2017). Inovasi Perbankan di Era Milenial. Https://Mediaindonesia.Com/Teknologi/128276/Inovasi-Perbankan-Di-Era-Milenial.

21) Morosan, C. (2014). Toward an integrated model of adoption of mobile phones for purchasing ancillary services in air travel. International Journal of Contemporary Hospitality Management, 26(2), 246–271. https://doi.org/10.1108/IJCHM-11-2012-0221

22) Mortimer, G., Neale, L., Hasan, S. F. E., & Dunphy, B. (2015). Investigating the factors influencing the adoption of m- banking: a cross cultural study. International Journal of Bank Marketing, 33(4), 545–570.

23) Munoz-Leiva, F., Climent-Climent, S., & Liébana-Cabanillas, F. (2017). Determinants of Intention to Use the Mobile Banking Apps: An Extension of the Classic TAM Model. Spanish Journal of Marketing - ESIC, 21(1), 25–38. https://doi.org/10.2139/ssrn.3489124

24) Mutahar, A. M., Daud, N. M., Thurasamy, R., Isaac, O., & Abdulsalam, R. (2018). The Mediating of Perceived Usefulness and Perceived Ease of Use: The Case of Mobile Banking in Yemen. International Journal of Technology Diffusion, 9(2), 21–40. https://doi.org/10.4018/ijtd.2018040102

25) Oliveira, T., Faria, M., Thomas, M. A., & Popovič, A. (2014). Extending the understanding of mobile banking adoption: When UTAUT meets TTF and ITM. International Journal of Information Management, 34(5), 689–703. https://doi.org/10.1016/j.ijinfomgt.2014.06.004

26) Otoritas Jasa Keuangan. (2015). Bijak Ber-ebangking. Retrieved from https://www.ojk.go.id/Files/box/buku

27) Premkumar, G., Ramamurthy, K., & Liu, H. N. (2008). Internet messaging: An examination of the impact of attitudinal, normative, and control belief systems. Information and Management, 45(7), 451–457. https://doi.org/10.1016/j.im.2008.06.008

28) Priansa, D. J. (2017). Perilaku Konsumen dalam Persaingan Bisnis Kontemporer. Bandung: Alfabeta.

29) Rauniar, R., Rawski, G., Yang, J., & Johnson, B. (2014). Technology acceptance model (TAM) and social media usage: An empirical study on Facebook. Journal of Enterprise Information Management, 27(1), 6–30. https://doi.org/10.1108/JEIM-04-2012-0011

30) Raza, S. A., Umer, A., & Shah, N. (2017). New determinants of ease of use and perceived usefulness for mobile banking adoption. International Journal of Electronic Customer Relationship Management, 11(1), 44–65. https://doi.org/10.1504/IJECRM.2017.086751

31) Sarwono, J. (2012). Metode Riset Skripsi Pendekatan Kuantatitif (Menggunakan Prosedur SPSS) Tuntutan Praktis Dalam Menyusun Skripsi. Jakarta: Elex Media Komputindo.

32) Sugiyono. (2014). Metode Penelitian Bisnis. Bandung: Alfabeta.

33) Sumbar.antaranews.com. (2018). Bank Nagari luncurkan Nagari Mobile Banking. Https://Sumbar.Antaranews.Com/Berita/236444/Bank-Nagari-Luncurkan-Nagari-Mobile-Banking.

34) Tsai, W.-C. (2012). A study of consumer behavioral intention to use e-books: the Technology Acceptance Model perspective. Innovative Marketing, 8(4), 55–66. Retrieved from https://businessperspectives.org/images/pdf/applications/publishing/templates/article/assets/4968/im_en_2012_04_ Tsai.pdf

35) Utami, D. F. (2018). Lirik Inovasi Produk Digital Banking Masa Kini. Https://Www.Finansialku.Com/Inovasi-Produk- Digital-Banking/.

36) Zhang, T., Lu, C., & Kizildag, M. (2018). Banking “on-the-go”: examining consumers’ adoption of mobile banking services. International Journal of Quality and Service Sciences, 10(3), 279–295. https://doi.org/10.1108/IJQSS-07-2017- 0067