The Influence of Computer Self Efficacy, Computer Experience and Interface Design to Acceptance of Electronic Banking: Empirical Study of Bank Customers in Bekasi City

Abstract

The object of this research is customers on the five major banks in the city of Bekasi namely Bank Mandiri, BCA, BRI, Bank Danamon, and BNI. This study aimed to analyze the implementation of electronic banking (e-banking) with the approach of Technology Acceptance Model (TAM). The research method is a survey method with a descriptive analysis and statistical analysis. The data is processed and analyzed by multiple linear regression statistical models using statistical software. The results of this study indicate that the person's ability to use computers, and interface design does not significantly influence perceived ease of use (PEOU). Experience of computer use, relevance, security and privacy significantly influence the perceived ease of use. Relevance does not significantly influence the perception of its usefulness (PU). Interface design, and perceived ease of use significantly influence the perception of its usefulness. Perceived ease of use significantly influences the attitude of its use. Perception of usefulness does not significantly influence the attitude of its use. Attitude for its use significantly influence the real usage and acceptance of e-banking.