The Intention of Using Cell Phones In Digital Banking Service Base on External Factors and Internal Factors

Winny Puspasari Thamrin,Kristiana Dewayani,Feny Fidyah

doi:10.24036/00201za0002

Winny Puspasari Thamrin, Kristiana Dewayani + Show 1 more

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https://doi.org/10.24036/00201za0002

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Abstract

The growing of digital services in the world of banking and the use of cellular telephones by customers, banks provide services in the form of phone and SMS banking that makes it easier for customers to transaction. The existence of digital banking makes it easy and saves time in making transactions. The purpose of this study was to examine the intention of using cell phones in digital banking services base on external factors (easiness, benefit, trust and risk) and internal factors (self efficacy and locus of control). This research model is prepared based on the concept of risk perception and behavior. Respondents in this study were 98 respondents that consist of students and employees. The sampling technique is non-random sampling. SEM model analysis techniques (structural equation model) with the help of the Lisrell 8.7 program. The results of this study indicate that the data obtained in accordance with the proposed model for both internal and external factors influence the intention of using cell phones for digital banking services.

Highlights

The development of digital technology is difficult to separate from human life, so that it becomes a basic need for the general public
Locus of Control Scale, developed from Rotter (1990), This scale consists of 2 internal locus of control items, AVE = 0.616, and construct reliability (CR) = 0.763, and an external locus of control scale consists of 2 items, AVE = 0.623, CR = 0.767
The results are : The conceptual model is tested for compatibility with the data and is declared fit, ie between the concept and the data there is a match. this is seen from degrees of freedom = 19, minimum fit function Chi-Square = 42.83, P-Value for Test of Close Fit (RMSEA < 0.05) = 0.038, Normed Fit Index (NFI) = 0.94, Non-Normed Fit Index (NNFI) = 0.94, Parsimony Normed Fit Index (PNFI) = 0.50, Comparative Fit Index (CFI) = 0.97, Incremental Fit Index (IFI) = 0.97, Relative Fit Index (RFI) = 0.89, Root Mean Square Residual (RMR) = 0.048, Standardized RMR = 0.048, Goodness of Fit Index (GFI) = 0.92, Adjusted Goodness of Fit Index (AGFI) = 0.81

Summary

Introduction

The development of digital technology is difficult to separate from human life, so that it becomes a basic need for the general public. The development of digital technology is able to change the habits and perspectives of people in using increasingly sophisticated technology. Sophisticated technological changes make daily activities easier, but can be a challenge for people who are not open to technological developments. Along with the increasing use of the internet, this shows that humans want something that is effective and efficient in getting information and in carrying out their daily activities. People can access the internet for personal or business purposes. One of them relates to the use of the internet and cellular telephones which are very influential on digital banking services

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