The Effect of Risk Perception, Perception of Trust and Perception of Benefits on the Interest of Using Internet Banking (Study in Banking Customers in Jakarta)

Abstract

This study aims to examine the effect of customer's perceptions of risk, trust, and benefits on the interest in using internet banking. The object of this research is customers of Bank BCA, BNI, and BRI in Jakarta who use internet banking. By using the purposive sampling technique, the researcher took 100 samples of data which became the object for research. For data processing, the researcher used the IBM Statistic 23 analysis tool. The result showed that simultaneously risk perception, perception of trust, and perception of benefits had a significant effect on the interest in using internet banking. Partially, the results of this study indicate that risk perceptions do not significantly influence interest in using internet banking. Meanwhile, perceptions of trust and perception of benefits partially significantly influence the interest in using internet banking. The result of this study is expected to contribute to banks, especially BCA, BNI, and BRI in improving services internet banking by emphasizing the level of risk, trust, and benefits so that customer interest in using internet banking will increase.