Abstract
This study aims to investigate the public's interest in using online transactions, especially mobile by Technology Acceptance Model (TAM) and Theory of Reasoned Action (TRA). The sample in this study was 200 people. The data analysis technique in this study used Partial Least Square (PLS). The results showed that the perceived ease of use and perceived usefulness had a positive and significant effect on user attitudes. Subjective norm variables, user attitudes have a positive and significant effect on individual behavior interest, perceived ease of use has a positive and significant effect on the perceived usefulness. Suggestions from this research are the banking sector is expected to add features that can make it easier and provide more benefits for their customers in using mobile banking.
Highlights
The development of technology and communication has had a significant impact on the banking industry in creating various innovations that allow banks to use them to increase the efficiency of their operational activities
Since Theory of Reasoned Action (TRA) & TPB have been successfully applied in online consumer behavior, technology acceptance, and system use (Fishbein & Ajzen, 1975; Ajzen & Fishbein, 1980; Pavlou, 2003), the subjective norm was proposed as a direct variable of behavioral intention in this study
BI Bali noted that contactless non-cash transactions in server-based electronic money, mobile banking, internet banking, and Quick Response Code Indonesian Standard (QRIS) experienced an increase during the Covid-19 period from January to May 2020. transactions increased from 10,869,517 transactions to 13,133,629 transactions. or increased to 20.83%
Summary
The development of technology and communication has had a significant impact on the banking industry in creating various innovations that allow banks to use them to increase the efficiency of their operational activities. This study was conducted to determine public interest in using mobile banking; in this study, the Technology Acceptance Model (TAM) and Theory of Reasoned Action (TRA) will be used, using subjective norm variables. TAM is used because this theory is related to the model of public acceptance of technology. TRA is used because this theory describes the reasons people use something. Subjective norms were chosen because individuals around them influence them to do it or believe that the environment or people support what they do (Mas'ud, 2012). Since TRA & TPB have been successfully applied in online consumer behavior, technology acceptance, and system use (Fishbein & Ajzen, 1975; Ajzen & Fishbein, 1980; Pavlou, 2003), the subjective norm was proposed as a direct variable of behavioral intention in this study. Acceptance Model dan Theory of Reasoned Action.
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