The Binary Logistic Regression In Modeling The Factors Of E-Banking Using For Students

Abstract

This research is motivated by one of the technology-based banking services, namely electronic banking. In the industrial revolution 4.0, e-banking is currently a major concern and as a bank's operational strategy for a competitive tool in marketing in the world of financial services. In winning this competition, banks need a strategy to be able to attract customers to use e-banking services in order to retain customers and increase banking profitability. This study aims to examine and analyze the effect of convenience, benefits, security, convenience and knowledge on interest in using e-banking. The research method used in this study is quantitative, using a technique purposive sampling method. The sample in this study were students of the Islamic Banking Department IAIN Tulungagung and obtained as many as 268 respondents as the research sample. The data analysis technique used binary logistic regression analysis using the SPSS 21.0 program. The results of data analysis in this study indicate that the variables of convenience, benefit, security, comfort and knowledge have a positive and significant effect on interest in using e-banking. The implication of this research is that convenience, benefit, security, convenience and knowledge have an equally important role in increasing interest in using e-banking