Abstract
This research is aimed to examine the gender difference toward intention to use the mobile banking application in Semarang. Data is collected by self - administered questionnaire, and pass over to bank customer which done their financial transaction by Automatic Teller Machine. The Sample used in this research is 50 respondents, consist of 30 male respondents and 20 female respondents who never have a mobile banking application before. The results of this study indicate that there is a gender difference in the intention to use mobile banking applications. On the other side, even it is easy to be used, female customers are not feeling the benefit offered, thus resistant to use mobile banking applications. This result brings another contradiction toward The Technological Acceptance Model. Data is examined by the SPSS application, and Mann – Whitney statistical model.Keywords: Mobile application; bank; gender difference
Highlights
The development of information technology and communication can be assured to provide a financial benefit for financial and banking industrialists in lowering the customer service operational cost compared with the traditional way
The mean value of male respondents answers agrees to a user the mobile banking application with a mean score of 4,13, while female respondents answer most disagree with a mean score 1,76
Another difference as the result of this research is from Perceived Usefulness, which male customers strongly agree that mobile banking application is useful in banking transaction with a mean score of 4.30
Summary
The development of information technology and communication can be assured to provide a financial benefit for financial and banking industrialists in lowering the customer service operational cost compared with the traditional way. Before the era of Industry 4.0, bank industrialist already applies the internet-based customer service. According Laukkanen (2007) the very basic difference between internet banking and mobile banking is the access location and the size of the communication tool used. From the perspectives of service, customers will gain new experience and feel more comfortable if the banks provide mobile service which can be accessed anywhere and every time. The skeptical opinion which supported by the unsupported internet network provider, low data security, and the low customer knowledge regarding mobile banking will push harder the barrier of mobile banking application usage
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