Abstract
The purpose of this study is to analyze the acceptance of the core banking system based on technology readiness and acceptance model on Bank Pembiayaan Rakyat Syariah Bangun Drajat Warga in the Special Region of Yogyakarta. Constructions used are optimism, innovativeness, discomfort, insecurity, easy of use and usefulness. This research method uses quantitative with a survey approach. The results of the study show that constructs of optimism and discomfort have a positive and significant effect on the perception of benefits and convenience in using the Core Banking System. The innovativeness construct has a positive and significant effect on the perception of the benefits of the core banking system, but for users, it has a negative effect and does not significantly influence the perception of ease of use of the Core Banking System. Insecurity, easy of use and usefulness constructs shows that there is no positive and significant influence on the perception of benefits and convenience in using the Core Banking System.
Highlights
Banking System Berbasis Technology Readiness and Acceptance Model pada Bank Pembiayaan Rakyat Syariah (BPRS) Bangun Drajat Warga di DIY
The purpose of this study is to analyze the acceptance of the core banking system based on technology readiness and acceptance model on Bank Pembiayaan Rakyat Syariah Bangun Drajat Warga in the Special Region of Yogyakarta
LIST OF TABLESVariabel Discomfort (Ketidaknyamanan) Ease of Use (Kemudahan) Innovativeness (Inovatif) Insecurity (Rasa Tidak Aman) Optimism (Optimisme)
Summary
Bank Pembiayaan Rakyat Syariah (BPRS) merupakan Bank Syariah yang dalam kegiatannya tidak memberikan jasa dalam lalu lintas pembayaran sebagaimana dimaksud dalam UndangUndang Nomor 21 Tahun 2008 tentang Perbankan Syariah. Permasalahan yang sering dihadapi adalah karena interaksi pengguna dalam pengguaan aplikasi system informasi jasa keangan perbankan yang detail dalam tahap demi tahap dapat membuat rumitnya Core Banking System, apalagi ditambah dengan kurangnya pemahaman dasar teknologi informasi dan system operasional perbankkan syariah. Penelitian ini berfokus untuk mengetahui faktor faktor yang memengaruhi penerimaan individu dalam menggunakan Core Banking System. Faktor yang memengaruhi penerimaan individu dalam menggunakan Core Banking System di penelitian ini dijelaskan melalui model penelitian terdahulu yang dikemukakan oleh Walczuch et al (2007) dalam penelitian Godoe and Johansen (2012) mengenai integrasi antara model TRI dan TAM dengan menggunakan metode Sturctural Equation Modeling (SEM) dan mengetahui bagaimana tingkat penerimaan corebanking system. Syariah BDW dengan faktor faktor yang ada dalam Technology Readiness and Acceptance Model (TRAM)
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