Abstract
The purpose of this study was to determine the household interest in using mobile banking in Padang City. The factors studied in this research were risks, benefits, conveniences, trusts, and technology systems. This study used primary data by conducting a field survey through questionnaires distributed to 273 respondents in the Sawahan Village, East Padang District, Padang City. The data analysis method in this research wass qualitative by using descriptive analysis techniques and Structural Equation Modeling (SEM) processed with the AMOS program. Descriptive analysis was used to show the relationship between respondent characteristics such as age, sex, education level, occupation, and income and the respondent’s interests in mobile banking. While the results of the analysis obtained by the SEM method show that perceived benefits, perceived conveniences, perceived risks, technology systems influence household interest in mobile banking in Padang City, there is no influence of perceived trusts on household interest in mobile banking in Padang City.
Highlights
Technology usage is one of the keys to success in promoting the concept of financial inclusion
Results of Descriptive Analysis of Respondent Characteristics The characteristics of respondents are used by researchers to provide information about data or an overview of the demographics of respondents that have been collected through research questionnaire, namely age, gender, education level, type of work and income
Respondents in this study were as many as 273 people from several households in Sawahan Village, East Padang District, Padang City
Summary
Technology usage is one of the keys to success in promoting the concept of financial inclusion. The rapid development of information systems is able to provide various banking access channels that were previously unthinkable. Access channels that are usually in the form of offices or outlets have turned into electronic media such as ATMs, and even exist in other forms such as gadgets, namely Phone Banking, Internet Banking, and Mobile Banking. According to the Bank Indonesia website, financial inclusion was introduced to the world community after the 2008 crisis, and it continues to grow today. Financial inclusion is based on the livelihoods of the lower classes, which are quite large in number and most affected by the crisis. The initiator of financial inclusion intends to defend the grassroots group by empowering them in their economic activities, not with financial or food assistance that has been carried out so far
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