RISK PERCEPTION IN PERCEPTION OF  BENEFIT, CONVENIENCE, TRUST TO INTEREST USE MOBILE BANKING

Yasmir; Tarjo

doi:10.24252/assets.v13i1.37122

Yasmir Institute Administration And Health Setih Setio
(ID)
Tarjo Institute Administration And Health Setih Setio
(ID)

DOI: https://doi.org/10.24252/assets.v13i1.37122

Abstract

This research aims to improve the quality of mobile banking services and provide benefits for service users who tend to use technology to fulfill their financial needs, which impacts their interest in using it. Service providers can improve user experience, understand user needs and preferences and develop features and design services that are more intuitive and easy to use. A survey and a purposive sampling strategy with path and simple analysis were used as analytical tools. The study results show that the direct effect of benefits, convenience, trust, and interest has a solid and direct relationship, so the immediate effect is more dominant than the indirect effect involving risk variables. A relatively small indirect effect occurs because the relationship between benefit, ease, trust, risk, and interest is not solid or unclear. The risk variable, namely as a mediator, does not have a substantial effect. The overall risk variable does not significantly mediate the relationship between benefits, convenience, trust, and interest, so the indirect impact will be smaller than the direct effect

References

Artikel Jurnal:

Afifah, R. (2017). Pengaruh Manfaat, Kemudahan, Kepercayaan dan Ketersediaan Fitur Terhadap Penggunaan Mobile Banking Bank Syariah Mandiri. In Jurnal ekonomi.

Arcand, M., PromTep, S., Brun, I., & Rajaobelina, L. (2017). Mobile banking service quality and customer relationships. International Journal of Bank Marketing, 35, 1068–1089.

Aruan, D. I. (2018). Pengaruh Persepsi Risiko terhadap Minat dalam Menggunakan Mobile Banking.

Bandura, A. (1986). Social Foundations of Thought and Action.

Davis, F. D. (1989). Perceived Usefuness, perceived ease of use and user acceptance of information technology. Management Information Systems Research Center, 13(3), 319–340. http://www.jstor.org/stable/249008

Ghozali, I. (2009). Aplikasi Analisis Multivariate Dengan Program SPSS (Vol.100-12). Badan Penerbit Universitas Diponegoro.

Jogiyanto, H. M. (2007). Sistem informasi keperilakuan. Yogyakarta: Andi Offset.

Nurdin, et al. . (2020). Nurdin, N., Ningrum, R., Bachmid, S., Jalil, A. (2020). Pengaruh Manfaat, Kepercayaan Dan Kemudahan Penggunaan Terhadap Minat Nasabah Menggunakan Mobile Banking Di Bank Mega Syariah Cabang Palu , 3(1).

Perea Y Monsuwé, T., Dellaert, B. G. C., & De Ruyter, K. (2004). What drives consumers to shop online? A literature review. International Journal of Service Industry Management, 15(1), 102–121. https://doi.org/10.1108/09564230410523358

Rogers, E. M., Simon, & Schuster. (2003). Diffusion of Innovations, 5th Edition.

Sugiyono. (2019). Metode Penelitian Kuantitatif Kualitatif dan R&D (Alfabeta (ed.); 10th ed.). Alfabeta Bandung.

Venkatesh, V., Thong, J. Y. L., & Xu, X. (2016). Unified Theory of Acceptance and Use of Technology: A Synthesis and the Road Ahead by Viswanath Venkatesh, James Y.L. Thong, Xin Xu :: SSRN. Journal of the Association for Information Systems, 17(5), 328–376. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2800121

Vinet, L., & Zhedanov, A. (2011a). A “missing” family of classical orthogonal polynomials. In Journal of Physics A: Mathematical and Theoretical (Vol. 44, Issue 8). https://doi.org/10.1088/1751-8113/44/8/085201

Vinet, L., & Zhedanov, A. (2011b). A “missing” family of classical orthogonal polynomials. In Journal of Physics A: Mathematical and Theoretical (Vol. 44, Issue 8). https://doi.org/10.1088/1751-8113/44/8/085201

Wilardjo, S. B. (2005). pengertian, peranan dan perkembangan bank syari’ah Di Indonesia. Value Added: Majalah Ekonomi Dan Bisnis, 2(1).

Buku:

Bandura, A. (1986). Social Foundations of Thought and Action.

Jogiyanto, H. M. (2007). Sistem informasi keperilakuan. Yogyakarta: Andi Offset.

Rogers, E. M., Simon, & Schuster. (2003). Diffusion of Innovations, 5th Edition.

Sugiyono. (2019). Metode Penelitian Kuantitatif Kualitatif dan R&D (Alfabeta (ed.); 10th ed.). Alfabeta Bandung.