Pengaruh Ekspektasi Kinerja Dan Risiko Yang Diterima Terhadap Niat Perilaku Menggunakan Mobile Banking Pada Nasabah Bank Syariah Indonesia Cabang Rantauprapat
DOI:
https://doi.org/10.5281/zenodo.8385559Keywords:
Ekspektasi Kerja, Resiko, Niat Perilaku, Adapting Mobile BankingAbstract
Penelitian ini bertujuan untuk menganalisis tentang niat konsumen menggunakan teknologi baru, dengan menguji aplikasi mobile banking. Penelitian ini mengukur hubungan antara ekpektasi kinerja dan resiko yang dirasakan terhadap niat prilaku untuk menggunakan mobile banking. Sampel dalam penelitian ini yaitu nasabah Bank Syariah Indonesia (BSI) cabang Rantauprapat. Penelitian ini merupakan penelitian surve dengan pendekatan kuantitatif. Analisis data dalam penelitian ini menggunakan beberapa langkah, meliputi: uji validitas, uji reliabilitas, uji statistik deskriptif, uji confirmatory, uji outlier, uji struktural equation model, serta pengujian hipotesis. Hasil penelitian ini menemukan bahwa ekspektasi kinerja berpengaruh secara positif terhadap niat prilaku nasabah untuk menggunakan mobile banking. Hasil penelitian juga menemukan bahwa resiko yang diterima juga berpengaruh secara positif terhadap niat nasabah untuk menggunakan mobile banking, yang artinya semakin tinggi resiko yang dirasakan oleh nasabah semakin rendah niat nasabah untuk menggunakan mobile banking, penelitian juga menemukan bahwa niat yang tinggi akan berpengaruh terhadap penggunaan mobile banking
Downloads
References
Alfuzanni, A., & Djamil, N. (2019). Peran satuan pemeriksaan internal untuk mewujudkan good university governance dengan audit kepatuhan sebagai variable moderating. SOROT.
Agus, M., Romdhoni, A. H., & Fitria, N. T. (2015). Perkembangan Bank Syariah Di Indonesia. JurnalIlmiah STIE-AAS Surakart, 1(02).
Akturan, U., & Tezcan, N. (2012). Mobile banking adoption of the youth market: Perceptions and intentions.
Marketing Intelligence & Planning.
Al-Somali, Sabah Abdullah, Roya Gholami, and Ben Clegg. 2009. “An Investigation into the Acceptance of Online Banking in Saudi Arabia.” Technovation 29(2): 130–41.
Alalwan, Ali Abdallah, Yogesh K. Dwivedi, and Nripendra P. Rana. 2017. “Factors Influencing Adoption of Mobile Banking by Jordanian Bank Customers: Extending UTAUT2 with Trust.” International Journal of Information Management 37(3): 99–110.
Andespa, R. (2017). Faktor-faktor yang mempengaruhi minat nasabah dalam menabung di bank syariah. Al- Masraf: Jurnal Lembaga Keuangan dan Perbankan, 2(1), 43-57.
Andri Soemitra. (2009).“Bank dan Lembaga Keuangan Syariah”, (Jakarta: Kencana Prenada Media Group). Antonio, M. S. (2008). 14. Islamic Microfinance Initiatives to Enhance Small and Mediumsized Enterprises. In Expressing Islam (pp. 251-266). ISEAS publishing.
Arikunto, S. (2008). Prosedur Penelitian Suatu Pendekatan Praktik. Jakarta: Rineka Karya.
Arvidsson, N. (2014). Consumer attitudes on mobile payment services–results from a proof of concept test.International Journal of Bank Marketing.32 (2), pp. 150-170.
Azwar, S. (2012). Reliabilitas dan validitas. Yogyakarta: pustaka pelajar.
Ba, S., & Pavlou, P. A. (2002). Evidence of the effect of trust building technology in electronic markets: Price premiums and buyer behavior. MIS quarterly, 243-268.
Bendi, K. J., & Andayani, S. (2013). Penerapan model UTAUT untuk memahami perilaku pengguna sistem informasi akademik. Jurnal HOAQ-Teknologi Informasi. 2(1), 50-151
Brown, T. J., Mowen, J. C., Donavan, D. T., & Licata, J. W. (2002). The customer orientation of service workers: Personality trait effects on self-and supervisor performance ratings. Journal of marketing research, 39(1), 110-119.
Cheah, Ching Mun et al. 2011. “Factors Affecting Malaysian Mobile Banking Adoption: An Empirical Analysis.” International Journal of Network and Mobile Technologies 2(3): 149–60. http://ijnmt.com/
Cooper, D. R., & Schindler, P. S. (2014). Business research methods. New York: McGraw-Hill Education. Dahlberg, Tomi, Niina Mallat, Jan Ondrus, and Agnieszka Zmijewska. 2008. “Past, Present and Future of Mobile Payments Research: A Literature Review.” Electronic Commerce Research and Applications 7(2): 165–81.
De Oliveira, G. A., de Castilhos, F., Renard, C. M. G. C., & Bureau, S. (2014). Comparison of NIR and MIR spectroscopic methods for determination of individual sugars, organic acids and carotenoids in passion fruit. Food research international, 60, 154-162.
Djamil, N. (2022). Developing an Auditing Interactive Electronic Textbook With Google Slide and Quizizz. AL-ISHLAH: Jurnal Pendidikan, 14(2), 1903-1918. doi:https://doi.org/10.35445/alishlah.v14i2.1711 (https://journal.staihubbulwathan.id/index.php/alishlah/article/view/1711)
Djamil, N., Rajab, K., & Helmiati, H. (2022). Analisis Kebijakan Pendidikan Islam di Negara yang dilanda Konflik: Studi Kasus di Pattani Thailand. Jurnal EL-RIYASAH.
Djamil, N. (2022). Developing an Auditing Interactive Electronic Textbook With Google Slide and Quizizz. AL-ISHLAH: Jurnal Pendidikan.
Djamil, N. (2008). PERSEPSI AUDITOR DAN PEMAKAI JASA GENERAL AUDIT YANG TERDAFTAR DI BURSA EFEK JAKARTATENTANG TANGGUNG JAWAB AUDITOR, KEANDALAN, DAN KEGUNAAN LAPORAN KEUANGAN AUDITAN.
Fatinah, A., Fasa, M. I., & Suharto, S. (2021). Analisis Kinerja Keuangan, Dampak Merger 3 Bank Syariah Bumn Dan Strategi Bank Syariah Indonesia (Bsi) Dalam Pengembangan Ekonomi Nasional. Jurnal Manajemen Bisnis (JMB), 34(1), 23-33.
Fernandes, Y. D., & Marlius, D. (2018). Peranan Customer Service Dalam Meningkatkan Pelayanan Kepada Nasabah Pada PT. Bank Pembangunan Daerah Sumatera Barat Cabang Utama Padang.
Ghalandari, K. (2012). The effect of performance expectancy, effort expectancy, social influence and facilitating conditions on acceptance of e-banking services in Iran: The moderating role of age and gender. Middle- East Journal of Scientific Research, 12(6), 801-807.
Hadi, S., & Novi, N. (2015). Faktor-faktor yang mempengaruhi penggunaan layanan mobile banking. Optimum: Jurnal Ekonomi Dan Pembangunan, 5(1), 55-65.
Hanafizadeh, P., Hojati, A., & Karimi, A. (2015). Experimental investigation of oil–water two phase flow regime in an inclined pipe. Journal of Petroleum Science and Engineering, 136, 12-22.
Hijriyah, R. L. (2021). Pengaruh Performance Expectancy, Effort Expectancy, Dan Social Influence Terhadap Minat Penggunaan Fintech Dengan Gender Sebagai Variabel Moderasi (Studi Pada Mahasiswa Stie Malangkuçeçwara) (Doctoral Dissertation, Stie Malangkucecwara).
Jacoby, J., Olson, J. L., & Kaplan, L. B. (1970). Operationalizing an Attitudinal Model of Multi-brand Loyalty. Unpublished proprietary report prepared for the Pillsbury Company.
Karjaluoto, H., Töllinen, A., Pirttiniemi, J., & Jayawardhena, C. (2014). Intention to use mobile customer relationship management systems. Industrial Management & Data Systems.
Koo, Chulmo, and Yulia Wati. 2010. “Toward an Understanding of the Mediating Role of „Trust‟ in Mobile Banking Service: An Empirical Test of Indonesia Case.” Journal of Universal Computer Science 16(13): 1801–24.
Lahiri, S., Kim, H., Garcia-Perez, I., Reza, M. M., Martin, K. A., Kundu, P., ... & Pettersson, S. (2019). The gut microbiota influences skeletal muscle mass and function in mice. Science translational medicine, 11(502), eaan5662.
Lee, Kun Chang, and Namho Chung. 2009. “Understanding Factors Affecting Trust in and Satisfaction with Mobile Banking in Korea: A Modified DeLone and McLean‟s Model Perspective.” Interacting with Computers 21(5–6): 385–92
Lewis, M. K., & Algaoud, L. M. (2001). Islamic banking. Books.
Marimin, A., & Romdhoni, A. H. (2015). Perkembangan bank syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 1(02).
McCluskey, S., Brooks, J., King, N., & Burton, K. (2011). The influence of'significant others' on persistent back pain and work participation: a qualitative exploration of illness perceptions. BMC Musculoskeletal Disorders, 12(1), 1-7.
Muhammad Syafi‟I Antonio. (2001)., Bank Syariah Dari Teori ke Praktik, (Jakarta: Tazkia Cendekia).
Muharam, A., Hutagalung, D. K., Lubis, D., Pandiangan, L., Tanjung, M. R. S., Sijabat, N. A. A., ... & Fatimah,S. Perkembangan Perbankan Syariah.
Naiyi, Y. E. (2004). Dimensions of consumer's perceived risk in online shopping. Journal of Electronic Science and Technology, 2(3), 177-182.
Namkung, Y., & Jang, S. (2007). Does food quality really matter in restaurants? Its impact on customer satisfaction and behavioral intentions. Journal of Hospitality & Tourism Research, 31(3), 387 -409.
Pavlou, P. (2001). Integrating trust in electronic commerce with the technology acceptance model: model development and validation. Amcis 2001 proceedings, 159
Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S. (2004). Consumer acceptance of online banking: an extension of the technology acceptance model. Internet research.
Pousttchi, K., & Schurig, M. (2004, January). Assessment of today's mobile banking applications from the view of customer requirements. In the 37th Annual Hawaii International Conference on System Sciences, 2004. Proceedings of the (pp. 10-pp). IEEE.
Priyono, M. M. (2016). Metode penelitian kuantitatif. Taman Sidoarjo: Zifatama. Riswandi, B. A. (2005). Aspek Hukum Internet Banking.
Saha, G. C., & Theingi. (2009). Service quality, satisfaction, and behavioural intentions: A study of low-cost airline carriers in Thailand. Managing Service Quality, 19(3), 350–372. https://doi.org/10.1108/09604520910955348
Saladin, D. (1994). Dasar-Dasar Manajemen Pemasaran Bank. Jakarta: Mandiri Maju.
Schiffman, J. D., & Schauer, C. L. (2008). A review: electrospinning of biopolymer nanofibers and their applications. Polymer reviews, 48(2), 317-352.
Sekaran, U. (2006). Metodologi Penelitian untuk Bisnis, Buku 2 Edisi 4. Jakarta: Salemba Empat.
Sekaran, U., & Bougie, R. (2016). Research Methods for Business : A Skill Building Approach. In Seventh Edition (7th ed.).
Shaikh, A. A., & Karjaluoto, H. (2015). Mobile banking adoption: A literature review. Telematics and informatics, 32(1), 129-142.
Singh, S., & Srivastava, R. K. (2018). Predicting the intention to use mobile banking in India. International Journal of Bank Marketing.
Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung : Alfabeta, CV.
Suhaimi, A. (2021). Studi Manajeman Risiko Pada Bank Syariah Indonesia (Bsi). Jurnal Manajemen Risiko, 2(III), 73-78.
Suhartanto, D. and Leo, G. (2018), “Small business entrepreneur resistance of ICT adoption: a lesson from Indonesia”, International Journal of Business and Globalisation, Vol. 21 No. 1, pp. 5-18, doi: 10.1504/IJBG.2018.10015253.
Surachman, A., Sukmaningtyas, A., & Mutiarani, D. (2010). Program kreatifitas mahasiswa integrasi bimbingan manajemen keuangan keluarga dalam program keluarha harapan (PKH) sebagai upaya pengentasan kemiskinan di Indonesia. Bidang Kegiatan PKM-GT.
Susanto, Aries, Hwansoo Lee, and Hangjung Zo. 2011. “Factors Influencing Initial Trust Formation in Penggunaan Internet Banking in Indonesia.” ICACSIS 2011 - 2011 International Conference on Advanced Computer Science and Information Systems, Proceedings: 305–10.
Tan, E., & Lau, J. L. (2016). Behavioural intention to adopt mobile banking among the millennial generation. Young Consumers.
Tan, Y. (2016). The impacts of risk and competition on bank profitability in China. Journal of International Financial Markets, Institutions and Money, 40, 85-110.
Totok, B., & Triandaru, S. (2006). Bank dan lembaga Keuangan lainnya. Edis ke-2. Jakarta. Salemba Empat. Usanti, T. P., & Shomad, A. (2017). Hukum Perbankan. Kencana.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS quarterly, 425-478.
Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS quarterly, 157-178.
Wallace, L. G., & Sheetz, S. D. (2014). The adoption of software measures: A technology acceptance model (TAM) perspective. Information & Management, 51(2), 249-259.
Wibiadila, I. (2016). Pengaruh Kegunaan, Kemudahan, Risiko, dan Kualitas Layanan terhadap Minat Nasabah dalam Menggunakan Mobile Banking (Survei Pada Nasabah Bank Mandiri Kantor Cabang Solo) (Doctoral dissertation, Universitas Muhammadiyah Surakarta).
Widowati, Hari. 2019. “Transaksi Digital Menggeser Peran Kantor Cabang Dan ATM Bank.” databoks. https://databoks.katadata.co.id/datapublish/2019/08/08/transaksi-digital-menggeser-peran-kantor-cabang- dan-atm-bank
Wiwoho Jamal. (2014)."Peran Lembaga Keuangan Bank Dan Lembaga Keuangan Bukan Bank Dalam Memberikan Distribusi Keadilan Bagi Masyarakat." Masalah-Masalah Hukum (43) 1. Hal. 87.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 Syamsurizal Syamsurizal
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
