Analisis Perilaku Pengguna Layanan internet Banking dengan Menggunakan Pendekatan Technology Acceptance Model dan Perceived Enjoyment di Surabaya

Billy Kardiono

Abstract


Tujuan dari penelitian ini adalah untuk mengetahui perilaku pengguna layanan internet banking dengan menggunakan pendekatan technology acceptance model dan perceived enjoyment. Ada lima konstruk yang digunakan untuk menyusun model kerangka berpikir yang menjelaskan perilaku pengguna yang menggunakan internet banking, yaitu perceived ease of use, perceived usefulness, perceived enjoyment, attitude toward using, dan behavioral intention.

Proses pengumpulan data menggunakan convenience sampling dari pengguna internet banking di Surabaya. Dari kuesioner yang dibagikan secara online dan tertulis digunakan 200 kuesioner yang mempunyai jawaban lengkap dan benar dengan rincian 169 kuesioner online dan 31 kuesioner tertulis. Analisis metode yang digunakan adalah metode Structural Equation Model (SEM) dengan menggunakan SmartPLS Program 2.0. Hasil penelitian menunjukkan pengaruh positif dan signifikan dari perceived ease of use terhadap perceived usefulness dan perceived enjoyment, perceived usefulness juga berpengaruh positif dan signifikan terhadap perceived enjoyment. Perceived usefulness, perceived enjoyment memiliki pengaruh positif dan signifikan terhadap attitude toward using, begitu juga pengaruh dari perceived usefulness, perceived enjoyment, serta attitude toward using terhadap behavioral intention yang terbukti positif dan signifikan. Dari kesembilan hipotesis, ada satu hipotesis yang menunjukkan pengaruh yang tidak signifikan yaitu pengaruh dari perceived ease of use terhadap attitude toward using.

 

Kata kunci: perceived ease of use, perceived usefulness, perceived enjoyment, attitude toward using, behavioral intention, internet banking


Full Text:

PDF

References


Alsaijjan, B. and Dennis, C. 2006. The Impact of Trust on Acceptance of Online Banking. European Association of Education and Research in Commercial Distribution, 27-30 June 2006 Brunel University – West London, United Kingdom.

Al-Shomali, S. A., Gholami, R., and Clegg, B. 2008. Internet Banking Acceptance in the Context of Developing Countries : An Extension of the Technology Acceptance Model. European Conference on Management of Technology, Nice, France. September 2008.

Al-Sukkar and Hasan H. 2005. Toward a Model for the Acceptance of Internet Banking in Developing Countries. Information Technology for Development, Vol 11., No.4, pp. 381 – 398.

Amjad, U., 1993. Distributed Computing: A Practical Synthesis of Network, Client Server System, Distributed Application and Open System, USA: Prentice Hall International Inc.

Artha, U. 2011. Pengaruh Persepsi Kegunaan, Persepsi Kemudahan, Persepsi Risiko, Kepercayaan, Inovasi Pribadi, dan Kesesuaian Terhadap Sikap Penggunaan E-Commerce. Skripsi. Jurusan Akuntansi Fakultas Ekonomi dan Bisnis Universitas Brawijaya.

Ayyagari, Ramakrishna, ”Examination of Hedonism in TAM Research”, Proceedings of Southern Association for Information Systems Conference, 2006.

Chau, P.Y.K. and Lai, V.S.K. 2003. An empirical investigation of the determinants of user acceptance of internet banking. Journal of Organizational Computing & Electronic Commerce. Vol. 13 No. 2, pp. 123-45.

Cheng, E.T.C., Lam, David D.Y.C., and Yeung, A.C.L. 2006. Adoption of Internet Banking: An Empirical Study in Hong Kong. Department of Logistics, The Hong Kong Polytechnic University, Hung Hom, Kowloon, Hong Kong.

Cooper, D. R., dan P. S. Schindler. 2003. Business Research Methods.Eight Edition.

McGraw-Hill/Irwin. New York, NY 10020.

Corrocher, N. 2002. Does Internet Banking Substitute Traditional Banking ? Empirical Evidence from Italy. Working Paper No.134, Universita Commerciale, Lucigi Bocconi.

Daftar 10 bank dengan Aset Terbesar di Indonesia. Tribunnews.com, 12 Agustus 2014. Retrieved from http://www.tribunnews.com/bisnis/2014/08/12/daftar-10-bank-dengan-aset-terbesar-di-indonesia.

F. D. Davis, “A Technology Acceptance Model for Empirically Testing New End-User Information Systems: Theory and Results”, doctoral dissertation, MIT Sloan School of Management, Cambridge, MA, 1986.

F. D. Davis, “Perceived usefulness, perceived ease of use, and user acceptance of information technology,” MIS Quarterly, vol. 13, no. 3, pp. 319-340, 1989.

Ferdinand, Augusty. 2002. Structural Equation Modeling dalam Penelitian Manajemen : Aplikasi Model – Model Rumit dalam Penelitian untuk Tesis Magister dan Disertasi Doktor. Semarang. Fakultas Ekonomi Undip.

Ferdinand, Augusty. 2006. Metode Penelitian Manajemen: Pedoman Penelitian untuk

Penulisan Skripsi, Tesis dan Disertasi Ilmu Manajemen. Edisi 2. Semarang:

BP UNDIP.

Fullah, Latif dan Sevenpri Candra. 2012. Pengaruh Persepsi Manfaat, Kemudahan Penggunaan, Resiko, dan Kepercayaan terhadap Minat Nasabah dalam Menggunakan Internet Banking BRI (Studi Kasus: Seluruh Nasabah Bank BRI Jakarta). Jurnal Manajemen Bisnis Universitas Bina Nusantara. Vol. 2 No.1 pp. 1-10.

Gahtani S. Said., dan Malcolm King. 1999. Attitudes, Satisfaction and Usage : Factors Contributing to Each in the al shoAcceptance of Information Technology. Behaviuor dan Information Technology., volume 18, No. 4, 277-297.

Ghozali, I. 2004. Model Persamaan Struktural: Konsep dan Aplikasi dengan Program AMOS Ver. 5.0. BP Universitas Diponegoro, Semarang.

Ghozali, Imam. 2008. Structural Equation Modeling-Metode Alternatif dengan Partial Least Square. Edisi Kedua. Semarang. Badan Penerbit Universitas Diponegoro.

Hair, Joseph F. et al. 1998. Multivariate Data Analysis. New Jersey: Prentice-Hall, Inc.

Handayani, Rini. 2007. Analisis Faktor-Faktor yang Memengaruhi Minat Pemanfaatan Sistem Informasi dan Penggunaan Sistem Informasi (Studi Empiris Pada Perusahaan manufaktur di Bursa Efek Jakarta). Dalam Jurnal Akuntansi dan Keuangan, 9(2), h: 76-87.

Hartono, J.M. 2007. Sistem Informasi keperilakuan. Yogyakarta : Erlangga.

Heijden, Van der; Verhagen, Tibert dan Creemers, Marcel, “Understanding Online Purchase Intentions: Contributions From Technology and Trust Perspectives”, European Journal of Information Systems, 2003.

Hernandez, J.M., and Mazzon, J.A. 2006. Adoption of Internet Banking: Proposition and Implementation of an Integrated Methodology Approach. International Journal of Bank Marketing. Volume 25, Nomor 2, 2007.

Hua, G. and Haughton, D. (2009), “Virtual worlds adoption: a research framework and empirical study”, Online Information Review, Vol. 33 No. 5, pp. 889-900.

Irmadhani dan Nugroho. 2012. Pengaruh Persepsi Kebermanfaatan, Persepsi Kemudahan Penggunaan dan Computer Self Efficacy, terhadap Penggunaan online banking pada Mahasiswa S1 Fakultas Ekonomi. Skripsi. Universitas Negeri Yogyakarta.

Igbaria, M., Saroj Parasuraman., dan Michael K. Badaway. 1994. Work Experience, Job Involvement, and Quality of Work Life Among Information Systems Personnel. MIS Quarterly, Juni, h.175-201.

Jogiyanto, HM. 1992, Pengenalan Komputer, Andi Offset, Yogyakarta.

Jogiyanto, Sistem Informasi Keperilakuan, Penerbit Andi Yogyakarta, 2007.

Kang, Sungmin. 1998. “Information Technology Acceptance : Evolving with the Changes in the Network Environment ” Center for information system management department of management science and information system graduate school of business. The University of Texas at Austin. IEEE.

Kriestian, Albert dan Gustin Tanggulungan. 2010. Pengaruh Sikap, Persepsi Manfaat, dan Psychology Attachment terhadap Niat Penggunaan Teknologi Internet (Survei Pegawai Pemerintah Kota Salatiga). Jurnal Manajemen Pemasaran. Vol. 5 No. 1. pp. 1-12.

Kurniawan, David, Hatane Semuel, dan Edwin Japarianto. 2013. Analisis Penerimaan Nasabah terhadap Layanan Mobile Banking dengan Menggunakan Pendekatan Technology Acceptance Model dan Theory of Reasoned Action. Dalam Jurnal Manajemen Pemasaran, 1(1), h: 1-13.

Kusuma, H. dan Susilowati, D. 2007. Determinan Pengadopsian Layanan Internet Banking : Perspektif Konsumen Perbankan Daerah Istimewa Jogjakarta. Jurnal Akuntansi dan Auditing Indonesia. Volume 11, Nomor 2, Desember 2007.

Liao, C.-H., Tsou, C.-W. and Shu, Y.-C. (2008), “The roles of perceived enjoyment and price perception in determining acceptance of multimedia-on-deman d”, International Journal of Business and Information, Vol. 3 No. 1, pp. 27-52.

Maharsi, Sri, Fenny. 2006. Analisa Faktor-Faktor yang Memengaruhi Kepercayaan dan Pengaruh Kepercayaan Terhadap Loyalitas Pengguna Internet Banking di Surabaya. Dalam Jurnal Akuntansi dan Keuangan, 8(1), h: 35-51.

Maharsi, Sri dan Yuliani Mulyadi. 2007. Faktor – Faktor Yang Mempengaruhi Minat Nasabah Menggunakan Internet Banking dengan Menggunakan Kerangka Technology Acceptance Model. Jurnal Akutansi dan Keuangan, Vol. 9, No.1, Mei 2007 : 18 – 26. Universitas Kristen Petra Surabaya.

Malhotra, Naresh K. dan Satyabhushan Dash. 2009. Marketing Research: An Applied Orientation. Fifth Edition. New Delhi: Dorling Kindersley (India) Pvt. Ltd. Licences of Pearson Education in South Asia.

Malhotra, Yogesh dan Galletta, Dennis F, “Extending The Technology Acceptance Model to Account for Social Influence: Theoretical Bases and Validation”, Proceeding of the 32nd Hawaii International Conference on System Sciences, 1999.

Mayasari, Feronica, Elisabeth Penti Kurniawati, dan Paskah Ika Nugroho. 2011. Anteseden dan Konsekuen Sikap Nasabah dalam Menggunakan Internet Banking dengan Menggunakan Kerangka Technology Acceptance Model (TAM) (Survey pada Pengguna KlikBCA). Jurnal Semantik ISBN 979-26-0255-0.pp. 34-41.

Nath, R., Shrick, P., and Parzinger, M. 2001. Bankers Perspective on Internet Banking. E-Service Journal. Indiana University Press.

Nor, Khalil Md dan Pearson, J. Michael. 2007. The Influence of Trust on Internet Banking Acceptance. Journal of Internet Banking and Commerce. Volume 12, Nomor 2, 2007.

Park, Sung-Hee, “Role of Personal Values in Acceptance of Information Technology”, Doctoral Dissertation, University of South Carolina, 2007.

Pavlou, Paul A., dan D. Gefen. 2002. Building Effective Online Marketplaces with Institution-based Trust. Proceedings of Twenty-Third International Conference on Information Systems. pp. 667-675.

Pikkarainen, T., Pijjarainen, K., Karjaluoto, H., and Pahnila S. 2004. Consumer Acceptance of Online Banking: An Extension of the Technology Acceptance Model. Internet Research, Vol. 14 (3), 224-235.

Ramayah, T., Ignatius, J. 2005. Impact of perceived usefulness, perceived ease of use and perceived enjoyment on i ntention to shop inline.

R. Ramadhani, ”Analisis Faktor-faktor yang Mempengaruhi Pelayanan Nasabah terhadap Penerimaan Layanan Internet Banking di Semarang: dengan

Menggunakan Pendekatan Technology Acceptance Model (TAM),” tidak dipublikasikan.

Reid, Michael and Yair Levy. 2008. Integrating Trust and Computer Self- Efficiacy with TAM: An Empirical Assesment of Customers Acceptance of Banking Information Systems (BIS) in Jamaica. Journal of Internet Banking and Commerce. December 2008. Vol. 12 No. 3.

Santoso, B. 2010. “Pengaruh Perceived Usefulness, Perceived Ease Of Use, Dan Perceived Enjoyment Terhadap Penerimaan Teknologi Informasi”. Fakultas Ekonomi-Universitas Sebelas Maret.

Silalahi, Ulber. 2009. Metode Penelitian Sosial. Bandung: PT Refika Aditama. Solimun, 2007, Memahami Metode Kuantitatif Mutakhir Structural Equation

Modeling & Partial Least Square.Program Studi Statistika FMIPA Universitas Brawijaya Malang.

Solomon, M., Bamossy, G., Askegaard, S., and Hogg, M. K., 2006. Consumer Behaviour: A European Perspective. Third Edition. Prentice Hall Europe.

Sugiyono. 2003. Metodologi Penelitian Bisnis. Bandung. CV. Alfabeta.

Sugiyono. 2004. Metode Penelitian Bisnis: Penerbit CV. Alfabeta: Bandung.

Sugiyono. 2012. Metode Penelitian Kuantitatif Kualitatif dan RD. Bandung: Alfabeta. Suh, B. and Han, I. 2002. Effect of Trust on Customer Acceptance of Internet Banking. Electronic Commerce Research and Applications. Vol. (1) 1, pp 247

– 263.

Sun, Heshan and Ping Zhang. 2006. Causal Relationship Between Perceived Enjoyment and Perceived Ease of Use : An Alternative Approach. Journal of the Association for Information Systems. Vol. 7, No. 9, pp.618 – 645, September 2006.

Tangke, Natalia. 2004. Analisa Penerimaan Penerapan Teknik Audit Berbantuan Komputer (TABK) Dengan Menggunakan Technology Acceptance Model (TAM) Pada Badan Pemeriksa Keuangan (BPK) RI. Jurnal Akuntansi dan Keuangan Vol.6 No.1. Fakultas Ekonomi – Universitas Kristen Petra.

Teo, T.S.H., Lim, V.K.G. and Lai, R.Y.C. (1999), “Intrinsic and extrinsic motivation in Internet usage”, Omega, International Journal of Management Science, Vol. 27, pp. 25-37.

Tjini, Sartika S.A., dan Baridwan, Zaki. Pengaruh Kepercayaan, Persepsi Kegunaan, Persepsi Kemudahan, dan Persepsi Kenyamanan Terhadap Minat Penggunaan Sistem Internet Banking. Skripsi. Jurusan Akuntansi, Fakultas Ekonomi dan Bisnis, Universitas Brawijaya

Venkatesh, Viswanath, Fred D. Davis. 2000. A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46(2), pp: 186-204.

Wang, YS., Wang, YM., Lin, HH., and Tang, I. 2003. Determinants of User Acceptance of Internet Banking : An Empirical Study. International Journal of Service Industry Management. Vol. 14 (5), 501 – 519.

Wibowo, ”Kajian tentang Perilaku Pengguna Sistem Informasi dengan Pendekatan Technology Acceptance Model (TAM),”. Program Studi Sistem Informasi, Fakultas Teknologi Informasi- Universitas Budi Luhur.

Widjana, Mahardika Aditya. dan Basuki Rachmat. 2011. Factor Determining Acceptance Level of Internet Banking Implemantation. Journal of Economics, Business, and Acccountancy Ventura. Vol. 14 No. 2. pp. 161-174.

William G. Zikmund. 2003. Exploring Marketing Research. Cornell University South-Western.

Wiyono, Adrianto Sugiarto; Ancok, Djamaludin dan Hartono, Jogiyanto, ”Aspek Psikologis pada Implementasi Sistem Teknologi Informasi”, dalam Konferensi dan Temu Nasional Teknologi Informasi dan Komunikasi untuk Indonesia, 21-23 Mei 2008.

Qureshi, T.M., Zafar, M.K., and Khan, M.B., 2008. Consumer Acceptance of Online Banking in Developing Economics. Journal of Internet Banking and Commerce. April 2008. Vol. 13. No. 1.


Refbacks

  • There are currently no refbacks.