Penggunaan Technology Acceptance Model dan Keamanan dalam Analisis Perilaku Penggunaan Mobile Banking
Abstract
The mobile banking service answers the demands of customers who want a safe, fast service, available 24 hours, and can be accessed from anywhere, which is sufficient by means of a cell phone. The purpose of this study is to conduct an empirical study using the Technology Acceptance Model approach by adding a security variable to prove its effect on the behavior of using mobile banking applications. The number of samples used, namely 150 customers with the purposive sampling method, was processed using the Structural Equation Modeling (SEM) approach based on Partial Least Square (PLS) with the help of SmartPLS version 4 software. The findings show that perceived ease of use and perceived usefulness have an indirect effect on use behavior through behavioral intention. Meanwhile, security and behavioral intention directly influence use behavior. Overall, the relationship between variables has a positive and significant influence.Kata Kunci : mobile banking, persepsi kemudahan, persepsi kemanfaatan, niat penggunaan, perilaku penggunaan
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References
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Adzima, F., & Ariyanti, M. (2018). Analisis Faktor – Faktor Yang Mempengaruhi Minat Analysis of Factors Influencing Interest in Using Mobile. E-Proceeding of Management, 5(2), 1584–1592.
Amadea, A., & . I. (2022). The Influence of Perceived Usefulness, Perceived Ease of Use, Social Influence, Facilities Conditions, Lifestyle Compatibility, and Perceived Trust on Intention to Use E-wallet Dana. The International Journal of Business & Management, 10(8), 1–11. https://doi.org/10.24940/theijbm/2022/v10/i8/bm2208-002
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Budirahardjo, M., & Laksmidewi, D. (2022). Faktor yang Mendorong Intensi untuk Melanjutkan Penggunaan Dompet Digital: Studi Pada Pengguna di Pulau Jawa. Jurnal Aplikasi Bisnis Dan Manajemen, 8(2), 444–457. https://doi.org/10.17358/jabm.8.2.444
Dary, I., Putra, G. L., & Prismana2, E. (2022). Implementasi Technology Acceptance Model 3 (TAM 3) terhadap Kepuasan Pengguna Aplikasi Investasi dan Trading Saham (Studi Kasus: Aplikasi Mobile IPOT). Journal of Emerging Information System and Business Intelligence (JEISBI), 3(1), 35–44. https://ejournal.unesa.ac.id/index.php/JEISBI/article/view/44214%0Ahttps://ejournal.unesa.ac.id
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008.
Fazriansyah, F., Sari, N. A., & Mawardi, M. (2022). Apakah persepsi kemudahan penggunaan dan persepsi kegunaan berpengaruh terhadap niat untuk menggunakan dan penggunaan aktual pada aplikasi pembayaran digital? Jurnal Manajemen, 14(2), 271–283. https://doi.org/10.30872/jmmn.v14i2.11126
Huddin, M. N., & Masitoh, M. R. (2021). Persepsi Kegunaan dan kemudahan menggunakan terhadap Niat Menggunakan Mobile Payment dimasa Pandemi Covid-19. Jurnal Al-Qardh, 6(1), 1–16. https://doi.org/10.23971/jaq.v6i1.2699
Ikhlash, M., & Tama, H. F. (2021). Behavior Intention to Use dan Use Behavior Mahasiswa dalam Menggunakan E-Learning dimasa Covid-19. JURNAL AKUNTANSI, EKONOMI Dan MANAJEMEN BISNIS, 9(2), 136–142. https://doi.org/10.30871/jaemb.v9i2.3395
Irawati, T., Rimawati, E., & Pramesti, N. A. (2020). Penggunaan Metode Technology Acceptance Model (TAM) Dalam Analisis Sistem Informasi Alista (Application Of Logistic And Supply Telkom Akses). Is The Best Accounting Information Systems and Information Technology Business Enterprise This Is Link for OJS Us, 4(2), 106–120. https://doi.org/10.34010/aisthebest.v4i02.2257
Jaabir, J., Bagia, I. W., & Rahmawati, P. I. (2022). The Effect of the Implementation of BNI SONIC (Self Service Opening Account) on Improving the Quality of Customer Service at BNI in Bali. International Journal of Social Science and Business, 6(2), 239–245. https://doi.org/10.23887/ijssb.v6i2.44069
Kholid, F. I., & Soemarso, E. D. (2018). Analisis Pengaruh Keamanan, Kemudahan Penggunaan, Kepercayaan Nasabah dan Kebermanfaatan Terhadap Minat Menggunakan E-Banking Pada PT Bank BNI Syariah KCP Magelang. Jurnal Sains Ekonomi Dan Perbankan Syariah, 8(2), 49–57. http://journal2.um.ac.id/index.php/ekobis/article/view/2164
Kristianto, A. H., & Usman. (2020). Jurnal maneksi vol 9, no. 2, desember 2020. Jurnal Maneksi, 9(2), 389–395.
Kumala, D. C., Pranata, J. W., & Thio, S. (2020). Pengaruh Perceived Usefulness, Perceived Ease of Use, Trust, Dan Security Terhadap Minat Penggunaan Gopay Pada Generasi X Di Surabaya. Jurnal Manajemen Perhotelan, 6(1), 19–29. https://doi.org/10.9744/jmp.6.1.19-29
Kurniawati, H. A., Arif, A., & Winarno, W. A. (2017). Analisis Minat Penggunaan Mobile Banking Dengan Pendekatan Technology Acceptance Model (TAM) Yang Telah Dimodifikasi. E-Journal Ekonomi Bisnis Dan Akuntansi, 4(1), 24. https://doi.org/10.19184/ejeba.v4i1.4563
Kusumawati, R. I., & Rikumahu, B. (2019). Penggunaan Technology Acceptance Model (Tam) Dalam Analisis Niat Perilaku Penggunaan Internet Banking Pada Mahasiswa Universitas Telkom. Jurnal Mitra Manajemen, 3(2), 215–229. https://doi.org/10.52160/ejmm.v3i2.203
Lukmanul Hakim, & Euphrasia Susy Suhendra. (2021). The Influence Of Perception Of Benefits, Easy Of Use, Use, Trust, And Availability Of Features On Satisfaction Of Use Of Bca Mobile Banking Services (Sejabodetabek). International Journal of Science, Technology & Management, 2(5), 1731–1736. https://doi.org/10.46729/ijstm.v2i5.343
Mandasari, C. S., & Giantari, I. G. A. K. (2017). Pengaruh Perceived Usefulness, Perceived Ease of Use, Dan Kualitas Layanan Terhadap Kepuasan Untuk Membangun Loyalitas. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 10, 3637. https://doi.org/10.24843/eeb.2017.v06.i10.p08
Mu’asiroh, L. R., & Darwanto, D. (2021). Analisis Penggunaan Mobile Banking pada Generasi Milenial dengan Pendekatan Technology Acceptance Model (TAM). Ad-Deenar: Jurnal Ekonomi Dan Bisnis Islam, 5(02), 155. https://doi.org/10.30868/ad.v5i02.1241
Mubarokah, S. N. (2019). Minat Menggunakan Mobile Banking Pada Perbankan Milik Negara. Accounting and Management Journal, 242–249.
Mukhtisar, M., Tarigan, I. R. R., & Evriyenni, E. (2021). Pengaruh Efisiensi, Keamanan Dan Kemudahan Terhadap Minat Nasabah Bertransaksi Menggunakan Mobile Banking (Studi Pada Nasabah Bank Syariah Mandiri Ulee Kareng Banda Aceh). Jihbiz: Global Journal of Islamic Banking and Finance., 3(1), 56. https://doi.org/10.22373/jihbiz.v3i1.9632
Nursiah, N., Ferils, M., & Kamarudin, J. (2022). Analisis minat menggunakan mobile banking. Akuntabel, 19(1), 91–100. https://doi.org/10.30872/jakt.v19i1.10711
Oktapiani, Y., Rosario, M., & Nehemia, A. (2020). Analisis Minat Penggunaan Aplikasi Brimo Dengan Pendekatan Technology Acceptance Model ( TAM ). Ilmiah Mahasiswa Sistem Informasi, 2(3), 249–260.
Onibala, A. A., Rindengan, Y., & Lumenta, A. S. (2021). Analisis Penerapan Model UTAUT2 Terhadap E-Kinerja pada Pemerintah Provinsi Sulawesi utara. E-Journal Teknik Informatika, 2, 1–13.
Prastiawan, D. I., Aisjah, S., & Rofiaty, R. (2021). The Effect of Perceived Usefulness, Perceived Ease of Use, and Social Influence on the Use of Mobile Banking through the Mediation of Attitude Toward Use. Asia Pacific Management and Business Application, 009(03), 243–260. https://doi.org/10.21776/ub.apmba.2021.009.03.4
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Pringgadini, S. A., & Basiya, R. (2022). Pengaruh Kepercayaan , Perceived Security , Dan Risiko Terhadap Minat Penggunaan E-Payment Pospay ( Studi Kasus Pengguna Pospay Kantor Pos Pati ) Abstrak. SEIKO: Journal of Management & Business, 5(1), 574–584. https://doi.org/10.37531/sejaman.v5i1.1774
Rahayu, I. S. (2015). Minat Nasabah Menggunakan Mobile Banking Dengan Menggunakan Kerangka Tecnology Acceptance Model (Tam) [Customer Interest in Using Mobile Banking Using the Technology Acceptance Model (Tam) Framework]. JESI (Jurnal Ekonomi Syariah Indonesia), 5(2), 137.
Ramayani, Abdul Hamid, & Early Ridho Kismawadi. (2020). Pengaruh Kepercayaan, Keamanan, Manfaat Dan Kemudahan Terhadap Penggunaan Mobile Banking. JIM: Jurnal Ilmiah Mahasiswa, 2(2), 93–108. https://doi.org/10.32505/jim.v2i2.2638
Sari, R. L., Habibi, A. B., & Hayuningputri, E. P. (2022). Impact of Attitude, Perceived Ease of Use, Convenience, and Social Benefit on Intention to Use Mobile Payment. Asia Pacific Management and Business Application, 011(02), 143–156. https://doi.org/10.21776/ub.apmba.2022.011.02.2
Setiawan, A., & Sulistiowati, L. H. (2018). Penerapan Modifikasi Technology Acceptance Model (Tam) Dalam E-Business. Jurnal Manajemen Dan Pemasaran Jasa, 10(2), 171–186. https://doi.org/10.25105/jmpj.v10i2.2277
Setyawati, R. E. (2020). Jurnal Ekobis Dewantara Vol. 3 No. 1 Januari 2020. Pengaruh Perceived Usefullness, Perceived Ease of Use Terhadap Behavioral Intention To Use Dengan Atittude Towards Using Sebagai Variabel Intervening, 3(1), 39–51.
Sodik, F., Zaida, A. N., & Zulmiati, K. (2022). Analisis Minat Penggunaan Pada Fitur Pembelian Mobile Banking BSI: Pendekatan TAM Dan TPB. Journal of Business Management and Islamic Banking, 1(1), 35–53. https://doi.org/10.14421/jbmib.
Sukmawati, H., Farizal Rasyid, A., Rachma Kurniaputri, M., Agama Islam, F., Studi Ekonomi Syariah, P., Siliwangi, U., Studi Kajian Wilayah Timur, P., & sitasi, S. (2021). Penerimaan dan Penggunaan Layanan Mobile Banking Perbankan Syariah: Ekstensi Technology Acceptance Model. Jurnal Ilmiah Ekonomi Islam, 7(03), 1845–1857. http://jurnal.stie-aas.ac.id/index.php/jiedoi:http://dx.doi.org/10.29040/jiei.v7i3.3615
Susanti, E., & Parera, N. O. (2021). Loyalitas Nasabah Dari Kemudahan Penggunaan Mobile Banking. International Journal of Digital Entrepreneurship and Business, 2(1), 39–48. https://doi.org/10.52238/ideb.v2i1.37
Tobergte, D. R., & Curtis, S. (2013). Analisis Faktor-Faktor Penerimaan Penggunaan Quiooerschool.com Dengan Menggunakan Pendekatan Technology Acceptance Model (TAM). Journal of Chemical Information and Modeling, 53(9), 1689–1699. https://doi.org/10.1017/CBO9781107415324.004
Trihutama, R. P. (2020). Pengaruh Perceived Ease of Use , Perceived Usefulness , dan Trust Terhadap Behavioral Intention to Use (Studi Pada Pengguna Go-Pay Layanan Go-Jek). Jurnal Kajian Manajemen Dan Wirausaha, 2(2), 1–15.
Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quaterly, 36 (1), pp. 157-178.
Vuković, M., & Pivac, S. (2019). Technology Acceptance Model for the Internet Banking Acceptance in Split. 10(2), 124–140. https://doi.org/10.2478/bsrj-2019-022
Widanengsih, E. (2021). Technology Acceptance Model to Measure Customer’S Interest to Use Mobile Banking. Journal of Industrial Engineering & Management Research, 2(1), 73–82. http://www.jiemar.org
Wongso, H., & Ramadania. (2021). Pengaruh self-efficacy, perceived usefulness, perceived ease of use,danperceived risk terhadap intention to usemobile banking Bank Kalbar. Proceeding Seminar Bisnis, 5, 224–239.
Yuliani, I., & Amin, M. (2022). Integrasi Perceived Security dan Promosi dalam Mendeteksi Perilaku Konsumsi Milenial Sorong di Era Digital: Sebuah Analisis Model UTAUT2. BISNIS : Jurnal Bisnis Dan Manajemen Islam, 10(1), 195. https://doi.org/10.21043/bisnis.v10i1.13856
Adzima, F., & Ariyanti, M. (2018). Analisis Faktor – Faktor Yang Mempengaruhi Minat Analysis of Factors Influencing Interest in Using Mobile. E-Proceeding of Management, 5(2), 1584–1592.
Amadea, A., & . I. (2022). The Influence of Perceived Usefulness, Perceived Ease of Use, Social Influence, Facilities Conditions, Lifestyle Compatibility, and Perceived Trust on Intention to Use E-wallet Dana. The International Journal of Business & Management, 10(8), 1–11. https://doi.org/10.24940/theijbm/2022/v10/i8/bm2208-002
Bharata, W., & Widyaningrum, P. W. (2020). Analisis Penerimaan Teknologi Mobile Banking Terhadap Use Behavior Melalui Pendekatan Model Utaut 2 (Studi Pada Nasabah KCU BCA Malang). Capital: Jurnal Ekonomi Dan Manajemen, 3(2), 139. https://doi.org/10.25273/capital.v3i2.6080
Budirahardjo, M., & Laksmidewi, D. (2022). Faktor yang Mendorong Intensi untuk Melanjutkan Penggunaan Dompet Digital: Studi Pada Pengguna di Pulau Jawa. Jurnal Aplikasi Bisnis Dan Manajemen, 8(2), 444–457. https://doi.org/10.17358/jabm.8.2.444
Dary, I., Putra, G. L., & Prismana2, E. (2022). Implementasi Technology Acceptance Model 3 (TAM 3) terhadap Kepuasan Pengguna Aplikasi Investasi dan Trading Saham (Studi Kasus: Aplikasi Mobile IPOT). Journal of Emerging Information System and Business Intelligence (JEISBI), 3(1), 35–44. https://ejournal.unesa.ac.id/index.php/JEISBI/article/view/44214%0Ahttps://ejournal.unesa.ac.id
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008.
Fazriansyah, F., Sari, N. A., & Mawardi, M. (2022). Apakah persepsi kemudahan penggunaan dan persepsi kegunaan berpengaruh terhadap niat untuk menggunakan dan penggunaan aktual pada aplikasi pembayaran digital? Jurnal Manajemen, 14(2), 271–283. https://doi.org/10.30872/jmmn.v14i2.11126
Huddin, M. N., & Masitoh, M. R. (2021). Persepsi Kegunaan dan kemudahan menggunakan terhadap Niat Menggunakan Mobile Payment dimasa Pandemi Covid-19. Jurnal Al-Qardh, 6(1), 1–16. https://doi.org/10.23971/jaq.v6i1.2699
Ikhlash, M., & Tama, H. F. (2021). Behavior Intention to Use dan Use Behavior Mahasiswa dalam Menggunakan E-Learning dimasa Covid-19. JURNAL AKUNTANSI, EKONOMI Dan MANAJEMEN BISNIS, 9(2), 136–142. https://doi.org/10.30871/jaemb.v9i2.3395
Irawati, T., Rimawati, E., & Pramesti, N. A. (2020). Penggunaan Metode Technology Acceptance Model (TAM) Dalam Analisis Sistem Informasi Alista (Application Of Logistic And Supply Telkom Akses). Is The Best Accounting Information Systems and Information Technology Business Enterprise This Is Link for OJS Us, 4(2), 106–120. https://doi.org/10.34010/aisthebest.v4i02.2257
Jaabir, J., Bagia, I. W., & Rahmawati, P. I. (2022). The Effect of the Implementation of BNI SONIC (Self Service Opening Account) on Improving the Quality of Customer Service at BNI in Bali. International Journal of Social Science and Business, 6(2), 239–245. https://doi.org/10.23887/ijssb.v6i2.44069
Kholid, F. I., & Soemarso, E. D. (2018). Analisis Pengaruh Keamanan, Kemudahan Penggunaan, Kepercayaan Nasabah dan Kebermanfaatan Terhadap Minat Menggunakan E-Banking Pada PT Bank BNI Syariah KCP Magelang. Jurnal Sains Ekonomi Dan Perbankan Syariah, 8(2), 49–57. http://journal2.um.ac.id/index.php/ekobis/article/view/2164
Kristianto, A. H., & Usman. (2020). Jurnal maneksi vol 9, no. 2, desember 2020. Jurnal Maneksi, 9(2), 389–395.
Kumala, D. C., Pranata, J. W., & Thio, S. (2020). Pengaruh Perceived Usefulness, Perceived Ease of Use, Trust, Dan Security Terhadap Minat Penggunaan Gopay Pada Generasi X Di Surabaya. Jurnal Manajemen Perhotelan, 6(1), 19–29. https://doi.org/10.9744/jmp.6.1.19-29
Kurniawati, H. A., Arif, A., & Winarno, W. A. (2017). Analisis Minat Penggunaan Mobile Banking Dengan Pendekatan Technology Acceptance Model (TAM) Yang Telah Dimodifikasi. E-Journal Ekonomi Bisnis Dan Akuntansi, 4(1), 24. https://doi.org/10.19184/ejeba.v4i1.4563
Kusumawati, R. I., & Rikumahu, B. (2019). Penggunaan Technology Acceptance Model (Tam) Dalam Analisis Niat Perilaku Penggunaan Internet Banking Pada Mahasiswa Universitas Telkom. Jurnal Mitra Manajemen, 3(2), 215–229. https://doi.org/10.52160/ejmm.v3i2.203
Lukmanul Hakim, & Euphrasia Susy Suhendra. (2021). The Influence Of Perception Of Benefits, Easy Of Use, Use, Trust, And Availability Of Features On Satisfaction Of Use Of Bca Mobile Banking Services (Sejabodetabek). International Journal of Science, Technology & Management, 2(5), 1731–1736. https://doi.org/10.46729/ijstm.v2i5.343
Mandasari, C. S., & Giantari, I. G. A. K. (2017). Pengaruh Perceived Usefulness, Perceived Ease of Use, Dan Kualitas Layanan Terhadap Kepuasan Untuk Membangun Loyalitas. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 10, 3637. https://doi.org/10.24843/eeb.2017.v06.i10.p08
Mu’asiroh, L. R., & Darwanto, D. (2021). Analisis Penggunaan Mobile Banking pada Generasi Milenial dengan Pendekatan Technology Acceptance Model (TAM). Ad-Deenar: Jurnal Ekonomi Dan Bisnis Islam, 5(02), 155. https://doi.org/10.30868/ad.v5i02.1241
Mubarokah, S. N. (2019). Minat Menggunakan Mobile Banking Pada Perbankan Milik Negara. Accounting and Management Journal, 242–249.
Mukhtisar, M., Tarigan, I. R. R., & Evriyenni, E. (2021). Pengaruh Efisiensi, Keamanan Dan Kemudahan Terhadap Minat Nasabah Bertransaksi Menggunakan Mobile Banking (Studi Pada Nasabah Bank Syariah Mandiri Ulee Kareng Banda Aceh). Jihbiz: Global Journal of Islamic Banking and Finance., 3(1), 56. https://doi.org/10.22373/jihbiz.v3i1.9632
Nursiah, N., Ferils, M., & Kamarudin, J. (2022). Analisis minat menggunakan mobile banking. Akuntabel, 19(1), 91–100. https://doi.org/10.30872/jakt.v19i1.10711
Oktapiani, Y., Rosario, M., & Nehemia, A. (2020). Analisis Minat Penggunaan Aplikasi Brimo Dengan Pendekatan Technology Acceptance Model ( TAM ). Ilmiah Mahasiswa Sistem Informasi, 2(3), 249–260.
Onibala, A. A., Rindengan, Y., & Lumenta, A. S. (2021). Analisis Penerapan Model UTAUT2 Terhadap E-Kinerja pada Pemerintah Provinsi Sulawesi utara. E-Journal Teknik Informatika, 2, 1–13.
Prastiawan, D. I., Aisjah, S., & Rofiaty, R. (2021). The Effect of Perceived Usefulness, Perceived Ease of Use, and Social Influence on the Use of Mobile Banking through the Mediation of Attitude Toward Use. Asia Pacific Management and Business Application, 009(03), 243–260. https://doi.org/10.21776/ub.apmba.2021.009.03.4
PREDANA, P. G. W., JAYAWARSA, A. A. K., PURNAMI, A. A. S., LARASDIPUTRA, G. D., & SAPUTRA, K. A. K. (2020). Effect Of Easy In The Use, Trust And Benefits Of The Use Of Mobile Banking Services. International Journal of Environmental, Sustainability, and Social Science, 1(2), 36–40. https://doi.org/10.38142/ijesss.v1i2.25
Pringgadini, S. A., & Basiya, R. (2022). Pengaruh Kepercayaan , Perceived Security , Dan Risiko Terhadap Minat Penggunaan E-Payment Pospay ( Studi Kasus Pengguna Pospay Kantor Pos Pati ) Abstrak. SEIKO: Journal of Management & Business, 5(1), 574–584. https://doi.org/10.37531/sejaman.v5i1.1774
Rahayu, I. S. (2015). Minat Nasabah Menggunakan Mobile Banking Dengan Menggunakan Kerangka Tecnology Acceptance Model (Tam) [Customer Interest in Using Mobile Banking Using the Technology Acceptance Model (Tam) Framework]. JESI (Jurnal Ekonomi Syariah Indonesia), 5(2), 137.
Ramayani, Abdul Hamid, & Early Ridho Kismawadi. (2020). Pengaruh Kepercayaan, Keamanan, Manfaat Dan Kemudahan Terhadap Penggunaan Mobile Banking. JIM: Jurnal Ilmiah Mahasiswa, 2(2), 93–108. https://doi.org/10.32505/jim.v2i2.2638
Sari, R. L., Habibi, A. B., & Hayuningputri, E. P. (2022). Impact of Attitude, Perceived Ease of Use, Convenience, and Social Benefit on Intention to Use Mobile Payment. Asia Pacific Management and Business Application, 011(02), 143–156. https://doi.org/10.21776/ub.apmba.2022.011.02.2
Setiawan, A., & Sulistiowati, L. H. (2018). Penerapan Modifikasi Technology Acceptance Model (Tam) Dalam E-Business. Jurnal Manajemen Dan Pemasaran Jasa, 10(2), 171–186. https://doi.org/10.25105/jmpj.v10i2.2277
Setyawati, R. E. (2020). Jurnal Ekobis Dewantara Vol. 3 No. 1 Januari 2020. Pengaruh Perceived Usefullness, Perceived Ease of Use Terhadap Behavioral Intention To Use Dengan Atittude Towards Using Sebagai Variabel Intervening, 3(1), 39–51.
Sodik, F., Zaida, A. N., & Zulmiati, K. (2022). Analisis Minat Penggunaan Pada Fitur Pembelian Mobile Banking BSI: Pendekatan TAM Dan TPB. Journal of Business Management and Islamic Banking, 1(1), 35–53. https://doi.org/10.14421/jbmib.
Sukmawati, H., Farizal Rasyid, A., Rachma Kurniaputri, M., Agama Islam, F., Studi Ekonomi Syariah, P., Siliwangi, U., Studi Kajian Wilayah Timur, P., & sitasi, S. (2021). Penerimaan dan Penggunaan Layanan Mobile Banking Perbankan Syariah: Ekstensi Technology Acceptance Model. Jurnal Ilmiah Ekonomi Islam, 7(03), 1845–1857. http://jurnal.stie-aas.ac.id/index.php/jiedoi:http://dx.doi.org/10.29040/jiei.v7i3.3615
Susanti, E., & Parera, N. O. (2021). Loyalitas Nasabah Dari Kemudahan Penggunaan Mobile Banking. International Journal of Digital Entrepreneurship and Business, 2(1), 39–48. https://doi.org/10.52238/ideb.v2i1.37
Tobergte, D. R., & Curtis, S. (2013). Analisis Faktor-Faktor Penerimaan Penggunaan Quiooerschool.com Dengan Menggunakan Pendekatan Technology Acceptance Model (TAM). Journal of Chemical Information and Modeling, 53(9), 1689–1699. https://doi.org/10.1017/CBO9781107415324.004
Trihutama, R. P. (2020). Pengaruh Perceived Ease of Use , Perceived Usefulness , dan Trust Terhadap Behavioral Intention to Use (Studi Pada Pengguna Go-Pay Layanan Go-Jek). Jurnal Kajian Manajemen Dan Wirausaha, 2(2), 1–15.
Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quaterly, 36 (1), pp. 157-178.
Vuković, M., & Pivac, S. (2019). Technology Acceptance Model for the Internet Banking Acceptance in Split. 10(2), 124–140. https://doi.org/10.2478/bsrj-2019-022
Widanengsih, E. (2021). Technology Acceptance Model to Measure Customer’S Interest to Use Mobile Banking. Journal of Industrial Engineering & Management Research, 2(1), 73–82. http://www.jiemar.org
Wongso, H., & Ramadania. (2021). Pengaruh self-efficacy, perceived usefulness, perceived ease of use,danperceived risk terhadap intention to usemobile banking Bank Kalbar. Proceeding Seminar Bisnis, 5, 224–239.
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Published
2024-06-28
How to Cite
PRAMESTI, Putu Deby Cahyani; DAMAYANTHI, I Gusti Ayu Eka.
Penggunaan Technology Acceptance Model dan Keamanan dalam Analisis Perilaku Penggunaan Mobile Banking.
E-Jurnal Akuntansi, [S.l.], v. 34, n. 6, june 2024.
ISSN 2302-8556.
Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/102096>. Date accessed: 04 nov. 2024.
doi: https://doi.org/10.24843/EJA.2024.v34.i06.p16.
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