Abstract
Mobile phone and internet users in Indonesia continues to grow rapidly. It utilized by the bank to provide technology-based services, so that customers can trade without restriction of place and time. However, like other technologies, customers require adjustment for the adoption of such technology-based services. One of the factors that affect the adoption of technology-based service is the customer demographics.This study investigates the demographic effects of the adoption of mobile banking and internet banking. Data collected in the form of a survey of 44 respondents in Jakarta conducted in March 2015. The uniqueness of the study lies in the analysis that weighed between users on a technology-based service Islamic bank with conventional banks.The results showed demographic characteristics banking customers that use technology-based service in Islamic banks so that it can be followed up to the target or marketing communications.Keywords: Mobile Banking, Internet Banking, Sharia Bank, Technology Adaptation, Marketing, Demographic.
Highlights
Mobile phone and internet users in Indonesia continues to grow rapidly
This study investigates the demographic effects of the adoption of mobile banking and internet banking
Data collected in the form of a survey of 44 respondents in Jakarta conducted in March 2015
Summary
1.1 Perbankan Syariah; Memanfaatkan Momentum Pertumbuhan dan Tantangan ke Depan. Perbankan Syariah Indonesia sedang melaju menuju peringkat atas peringkat global perbankan syariah dunia. Diharapkan dengan mengetahui profil nasabah dan pengaruhnya pada adopsi layanan berbasis teknologi, bank syariah bisa lebih mudah melakukan segmentasi dan menyasar pangsa pasar tersebut. H3: Tingkatan Pendidikan memiliki perbedaan terhadap adopsi layanan perbankan berbasis teknologi Studi terdahulu memberi dukungan pada motivasi agama sebagai alasan keseluruhan dalam adopsi layanan bank syariah (Metawa and Almossawi, 1998; Metwally, 1996; Omer, 1992). Selain kelima faktor di atas, penelitian ini juga ingin mengetahui apakah faktor pengalaman atau tidak ada pengalaman, mengenai bank syariah, memeliki perbedaan terhadap adopsi layanan perbankan berbasis syariah. H6: Pengalaman akan perbankan syariah yang berbeda memiliki perbedaan terhadap adopsi layanan perbankan berbasis teknologi Dengan demikian, ada enam faktor demografis yang diteliti, yaitu: jenis kelamin, usia, pendidikan, agama, pengeluaran dan pengalaman menjadi nasabah bank syariah. Agama (RELIGION) Pengeluaran per bulan (SPENDING) Pengalaman Bank Syariah (SYARIAH)
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