Abstract
This research is aiming to find the factors of Indonesian online banking usage using Technology Acceptance Model (TAM). This was a quantitative research, analyzing primary data which are collected using online questionnaire. Total respondents were 202, chosen by purposive and snowball sampling method. Several criterias are used to test the data’s validity and reliability. Hypothesis testing is done by using structural equation model, starting from perceived ease of use as independent variable, followed by perceived usefulness, attitude towards use and behavioral intention to use as mediating variables, and actual system usage as dependent variable. The result shows perceived ease of use significantly influences perceived usefulness and attitude towards use. Perceived usefulness significantly influences attitude towards use, but does not significantly influence behavioral intention to use. Attitude towards use significantly influences behavioral intention to use. Lastly, behavioral intention to use significantly influences actual system usage. So, it can be concluded that the TAM can be used to analyze the Indonesian online banking usage. This research is the first research, applying an original TAM on Indonesian online banking usage using SEM.
Highlights
New York City Banks have tested online banking in 1981 for the first time
Ariyanti (2015) reported that the citizens rarely come to Bank Mandiri Branches. It becomes the reason why the bank decides not to expand their business by building new branches. They need to invest about IDR 1 billion for the new branches, while with ebanking they only need to build the system
What about in Indonesia? Is the online banking well accepted by Indonesian? Does online banking change the banking culture, from traditional banking to online banking? What are the factors affecting the online banking usage in Indonesia? the research questions are: Does perceived ease of use influences perceived usefulness and attitude towards use? Does perceived usefulness influences attitude towards use? Does perceived usefulness influences behavioral intention to use? Does attitude towards use influences behavioral intention to use? And does behavioral intention to use influences actual system usage?
Summary
New York City Banks have tested online banking in 1981 for the first time. Wadhwa (2016) has said that Bank of America and Citigroup, who does branches restructuring and main channel shifting to mobile distribution. JPMorgan focuses on millennial customers who contribute 57% of new account and are expected to use mobile banking. Ariyanti (2015) reported that the citizens rarely come to Bank Mandiri Branches. It becomes the reason why the bank decides not to expand their business by building new branches. They need to invest about IDR 1 billion for the new branches, while with ebanking they only need to build the system
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