The Impact of Trust in Technological Innovation, Financial Literacy, and Social Influence Factors on Motivation in M-Banking
Abstract
The rapid development of technology has resulted in various facilities for humans to be able to carry out various kinds of activities. One of the technological innovations from the banking sector is the presence of m-banking services. The purpose of this study was to find out and examine how the influence of technology trust, financial literacy and social influence on customer interest in using m-banking. The data collection method uses a questionnaire conducted to bank customers throughout Indonesia via Google Form. The data is processed using Principal Component Analysis (PCA) in order to obtain a new, simpler variabel. The data analysis method used in testing the hypothesis in this research is multiple linear regression analysis technique. The results show that technology trust has a significant effect on interest in using m-banking, as evidenced by the value of Sig. 0.000 <0.05, which means the higher the technology trust, the higher the interest in using m-banking. The results showed that the financial literacy variabel had a significant effect on interest in using m-baking, as evidenced by the value of Sig. 0.000 <0.05, which means the higher the financial literacy, the higher the interest in using m-banking. The results showed that the social influence variabel had a significant effect on interest in using m-baking, as evidenced by the value of Sig. 0.009 < 0.05 which means the higher the social influence received, the higher the interest in using m-banking.
References
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Ghozali. (2016). Aplikasi Analisis Multivariete Dengan Program IBM SPSS. Semarang: Badan Penerbit Universitas Diponegoro.
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Intan, N., & Zuraya, N. (2021, Desember 20). OJK Luncurkan Tiga Infrastruktur Literasi Keuangan. Jakarta, Jakarta, Indonesia: REPUBLIKA.CO.ID.
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Luo, X., Li, H., Zhang, J., & Shim, J. (2010). Examining Multi-dimensional Trust and Multi-faceted Risk in Initial Accepptance of Emerging Technologies: An Empirical Study of M-banking Services. Decision Support Systems, 49, NO. 2, 222-234. doi:http://dx.doi.org/10.1016/j.dss.2010.02.008
Mian, T. S., & Rizwan, M. (2013). Determinants of Customers Intention to Use M-banking: An Empirical Research Based on Extended Technology Acceptance Model. Journal of Basic and Applied Scientific Research, 201-211.
Mishra, S. K., & Sahoo, D. P. (2013). M-banking Adoption and Benefits Towards Customers Service. International Journal on Advanced Computer Theory and Engineering (IJACTE), 78-83.
Nasution. (2003). Metode Penelitian Naturalistik Kualitatif. Bandung: Tarsito.
Nugroho, E. (2018). Prinsip - Prinsip Menyusun Kuesioner. Malang: UB Press.
Pingit, A. (2020, Mei Sabtu). katadata.co.id/amp/pingitaria/berita/5ebf599a9bfab/sepanjang-pandemi-pengguna-bni-mobile-banking-meningkat-84. Retrieved from katadata.co.id: https://katadata.co.id/amp/pingitaria/berita/5ebf599a9bfab/sepanjang-pandemi-pengguna-bni-mobile-banking-meningkat-84
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Ramdhani, N. (2011). Penyusunan Alat Pengukur Berbasis Theory of Planned Behavior. Buletin Psikologi, 55-69.
Redsell, M., & Nycyk, M. (2010, June). Skilling seniors in computers: community training responses to the digital devide. Working with Older People, 14, 38-42.
Riswandi, B. A. (2005). Aspek Hukum Internet Banking. Jakarta: Raja Grafindo Persada.
Sahara, N. (2020, juni Kamis). investor.id/finance/mei-volume-transaksi-brimo-capai-rp-482-triliun. Retrieved from investor.id: https://investor.id/finance/mei-volume-transaksi-brimo-capai-rp-482-triliun
Salihu, A., Metin, H., Hajrizi, E., & Ahmeti, M. (2019). The Effect of Security and Ease of Use on Reducing The Problem/Deficiencies of Electronoc Banking Services. IFAC PapersOnLine, 159-163.
Shaikh, A. A., & Karjaluoto, H. (2015). M-banking Adoption : A Literature Review. Telematics and Informatics, 129-142.
Shih, H.-P. (2004). Extended Technology Acceptance Model of Internet Utilization Behavior. Information & Management, 719-729.
Shoki, M., Yeow, S. M., Zakuan, N., Bahari, A. Z., & Jusoh, A. (2012). The Effects of Computer Self-Efficacy and Technology Acceptance Model on Behavioral Intention in Internet Banking Systems. Procedia - Social and Behavioral Sciences, 448-452.
Sinha, I., & Mukherjee, S. (2016). Acceptance of technology, related factors in use of off branch e-banking: an Indian case study. Journal of High Technology Management Research, 88-100.
Siregar, S. (2013). Metode Penelitian Kuantitatif. Jakarta: Kencana Prenada Media Group.
Sugiyono. (2009). Metode Penelitian Kuantitatif, Kualitatif, dan R dan D. Bandung: Alfabeta.
Sugiyono. (2013). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta.
Suharyat, Y. (2009). Hubungan Antara Sikap, Minat dan Perilaku Manusia. Jurnal Region, 1-19.
Talukder, M., Quazi, A., & Sathye, M. (2014). Mobile Phone Banking Usage Behaviour: An Australian Perspective. Australasian Accounting, Business and Finance Journal.
Tampubolon. (1991). Mengembangkan Minat dan Kebiasaan Membaca Pada Anak. Bandung: Angkasa.
Teo, T., & Lee, C. B. (2010). Examining the Efficacy of The Theory of Planned Behavior (TPB) to Understand Pre-service Teachers Intention to Use Technology. Nanyang Technology University. Singapore: Proceeding Ascilite Sydney.
Vankatesh, V., & Brown, S. (2001). A Longitudinal Investigation of Personal Computers in Homes: Adoption Determinants and Emerging Challenges. MIS Quarterly, 25, No. 1, 71-102. doi:http://dx.doi.org?10.2307/3250959
Venkatesh, V., & Davis, F. D. (2000). A Theoritical Extension of the Technology Acceptance Model : Four Longitudinal Field Studies. Management Science, 186-2-4.
Wang, E. S.-T., & Chou, N. P.-Y. (2014). Consumer Characteristics, Social Influence, and System Factors on Online Group-Buying Repurchasing Intention. Journal of Electronic Commerce Research, 15 No.2.
Widarjono, A. (2018). Ekonometrika Pengantar dan Aplikasinya Disertai Panduan EViews (Edisi Kelima ed.). Yogyakarta: UPP STIM YKPN.
Yousafzai, S. Y., Foxall, G. R., & Pallister, J. G. (2010). Explaining Internet Banking Behavior: Theory of Reasoned Action, Theory of Planned Behavior, or Technology Acceptance Model? Journal of Applied Social Psychology, 1172-1202.
Yu, C. S. (2012). Factors Affecting Individuals to Adopt M-banking: Empirical Evidence from the UTAUT Model. Journal of Electronic Commerce Research, 104-121.
Zakarija, A. (2010). Theory of Planned Behavior, Masihkah Relevan? Malang: Universitas Muhammadiyah Malang.
Zhang, P., Aikman, S. N., & Sun, H. (2008). Two types of attitude in ICT acceptance and use. International Journal of Human-Computer Interaction, 628-648.
Zhou, T., Lu, Y., & Wang, B. (2010). Integrating TTF and UTATUT to Explain M-banking User Adoption. Computers in Human Behavior, 760-767.
Ajzen, I. (1991). The Theory of Planned Behavior. Journal of Organization Behavior and Human Decision Processes, 50, 179-211.
Ajzen, I. (2005). Attitudes, Personality and Behavior (2nd edition ed.). Berkshire, UK: Open University Press-McGraw Hill Education.
Ajzen, I. (2005). Laws of Human Behavior: Symmetry, compatibility, and attitude-behavior correspondence. In A. Beauducel, B. Biehl, M. Bosnjak, W. Conrad, G. Schonberger, & D. Wagener, Multivariate research strategies (pp. 3-19). Aachen, Germany: Shaker Verlag.
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Factors Influencing Adoption of M-banking by Jordanian Bank Customers: Extending UTAUT2 With Trust. International Journal of Information Management, 99-110.
Bhuvana, M., & Vasantha, S. (2019). Ascertaining the Mediating Effect of Financial Literacy for Accessing M-banking Services to Achieve FInancial Inclusion. International Journal of Recent Technology and Engineering (IJRTE), 7(6S5).
Budiarto, A., & Susanti, S. (2017). Pengaruh Financial Literacy, Overconfidence, Regret Aversion Bias, dan Risk Tolerance Terhadap Keputusan Investasi (Studi pada Investor PT. Sucorinvest Central Gani Galeri Investasi BEI Universitas Negeri Surabaya). Jurnal Ilmu Manajemen Universitas Negeri Surabaya, 1-9.
Budiastuti, D., & Bandur, A. (2018). Validitas dan Reliabilitas Penelitian Dilengkapi dengan NVivo, SPSS, dan AMOS. Jakarta: Mitra Wacana Media.
Chuchuen, C. (2016). The Perception of M-banking Adoption: The Study of Behavioral, Security, and Trust in Thailand. International Journal of Science and Humanity, 547-550.
Crow, A., & Crow, L. (1998). Psikologi Belajar. Surabaya: Bina Ilmu.
Czaja, S. J., Charness, N., Fisk, A. D., Hertzog, C., Nair, S. N., Rogers, W. A., & Sharit, J. (2006). Factors Predicting the Use of Technology: Findings From the Center for Research and Education on Aging and Technology Enhancement (CREATE). National Institutes of Health. Psychol Aging.
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User Acceptance of Computer Technology: A Comparison of TwoTheoretical Models. Management Science, 35.
Gefen, D. (2000). E-commers: The Role of Familiarity and Trust. Omega: The International Journal of Management Science, 28, No. 6, 725-737.
Ghozali. (2016). Aplikasi Analisis Multivariete Dengan Program IBM SPSS. Semarang: Badan Penerbit Universitas Diponegoro.
Gu, J., Lee, S., & Suh, Y. (2009). Determinants of Behavioral Intention to M-banking. Expert Systems with Applications, 36, 11605-11616.
Hardani, Auliya, N. H., Andriani, H., Ustiawaty, J., Utami, E. F., Sukmana, D. J., & Istiqomah, R. R. (2020). Metode Penelitian Kualitatif & Kuantitatif. Yogyakarta: CV. Pustaka Ilmu.
Hassan, H. E., & Wood, V. R. (2020). Does country culture influence consumers perceptions toward m-banking? A comparison between Egypt and the United States. Telematics and Informatics.
Intan, N., & Zuraya, N. (2021, Desember 20). OJK Luncurkan Tiga Infrastruktur Literasi Keuangan. Jakarta, Jakarta, Indonesia: REPUBLIKA.CO.ID.
Kazi, A. K., & Mannan, M. A. (2013). Factors affecting adoption of m-banking in Pakistan: Empirical Evidence. International Journal of Research in Business and Social Science, 54-61.
Kemp, S. (2021, February 11). datareportal.com. Retrieved from https://datareportal.com/reports/digital-2021-indonesia
Keuangan, O. J. (2018). Peraturan Otoritas Jasa Keuangan Nomor 12/POJK.03/2018 Tentang Penyelenggaraan Layanan Perbankan Digital Oleh Bank Umum. Otoritas Jasa Keuangan.
Kim, Y. J., & Lee, H. S. (2014). Quality, Perceived Usefulness, User Satisfaction, and Intention to Use: An Empirical Study of Ubiquitous Personal Robot Service. Asian Social Science, 10, 1-16.
Luo, X., Li, H., Zhang, J., & Shim, J. (2010). Examining Multi-dimensional Trust and Multi-faceted Risk in Initial Accepptance of Emerging Technologies: An Empirical Study of M-banking Services. Decision Support Systems, 49, NO. 2, 222-234. doi:http://dx.doi.org/10.1016/j.dss.2010.02.008
Mian, T. S., & Rizwan, M. (2013). Determinants of Customers Intention to Use M-banking: An Empirical Research Based on Extended Technology Acceptance Model. Journal of Basic and Applied Scientific Research, 201-211.
Mishra, S. K., & Sahoo, D. P. (2013). M-banking Adoption and Benefits Towards Customers Service. International Journal on Advanced Computer Theory and Engineering (IJACTE), 78-83.
Nasution. (2003). Metode Penelitian Naturalistik Kualitatif. Bandung: Tarsito.
Nugroho, E. (2018). Prinsip - Prinsip Menyusun Kuesioner. Malang: UB Press.
Pingit, A. (2020, Mei Sabtu). katadata.co.id/amp/pingitaria/berita/5ebf599a9bfab/sepanjang-pandemi-pengguna-bni-mobile-banking-meningkat-84. Retrieved from katadata.co.id: https://katadata.co.id/amp/pingitaria/berita/5ebf599a9bfab/sepanjang-pandemi-pengguna-bni-mobile-banking-meningkat-84
Pusparisa, Y. (2020, Oktober Jumat). databoks.katadata.co.id/datapublish/2020/10/30/transaksi-digitak-menopang-nilai-transaksi-bca-saat-pandemi. Retrieved from databoks.katadata.co.id: https://data.co.id/datapublish/2020/10/30/transaksi-digitak-menopang-nilai-transaksi-bca-saat-pandemi
Ramdhani, N. (2011). Penyusunan Alat Pengukur Berbasis Theory of Planned Behavior. Buletin Psikologi, 55-69.
Redsell, M., & Nycyk, M. (2010, June). Skilling seniors in computers: community training responses to the digital devide. Working with Older People, 14, 38-42.
Riswandi, B. A. (2005). Aspek Hukum Internet Banking. Jakarta: Raja Grafindo Persada.
Sahara, N. (2020, juni Kamis). investor.id/finance/mei-volume-transaksi-brimo-capai-rp-482-triliun. Retrieved from investor.id: https://investor.id/finance/mei-volume-transaksi-brimo-capai-rp-482-triliun
Salihu, A., Metin, H., Hajrizi, E., & Ahmeti, M. (2019). The Effect of Security and Ease of Use on Reducing The Problem/Deficiencies of Electronoc Banking Services. IFAC PapersOnLine, 159-163.
Shaikh, A. A., & Karjaluoto, H. (2015). M-banking Adoption : A Literature Review. Telematics and Informatics, 129-142.
Shih, H.-P. (2004). Extended Technology Acceptance Model of Internet Utilization Behavior. Information & Management, 719-729.
Shoki, M., Yeow, S. M., Zakuan, N., Bahari, A. Z., & Jusoh, A. (2012). The Effects of Computer Self-Efficacy and Technology Acceptance Model on Behavioral Intention in Internet Banking Systems. Procedia - Social and Behavioral Sciences, 448-452.
Sinha, I., & Mukherjee, S. (2016). Acceptance of technology, related factors in use of off branch e-banking: an Indian case study. Journal of High Technology Management Research, 88-100.
Siregar, S. (2013). Metode Penelitian Kuantitatif. Jakarta: Kencana Prenada Media Group.
Sugiyono. (2009). Metode Penelitian Kuantitatif, Kualitatif, dan R dan D. Bandung: Alfabeta.
Sugiyono. (2013). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta.
Suharyat, Y. (2009). Hubungan Antara Sikap, Minat dan Perilaku Manusia. Jurnal Region, 1-19.
Talukder, M., Quazi, A., & Sathye, M. (2014). Mobile Phone Banking Usage Behaviour: An Australian Perspective. Australasian Accounting, Business and Finance Journal.
Tampubolon. (1991). Mengembangkan Minat dan Kebiasaan Membaca Pada Anak. Bandung: Angkasa.
Teo, T., & Lee, C. B. (2010). Examining the Efficacy of The Theory of Planned Behavior (TPB) to Understand Pre-service Teachers Intention to Use Technology. Nanyang Technology University. Singapore: Proceeding Ascilite Sydney.
Vankatesh, V., & Brown, S. (2001). A Longitudinal Investigation of Personal Computers in Homes: Adoption Determinants and Emerging Challenges. MIS Quarterly, 25, No. 1, 71-102. doi:http://dx.doi.org?10.2307/3250959
Venkatesh, V., & Davis, F. D. (2000). A Theoritical Extension of the Technology Acceptance Model : Four Longitudinal Field Studies. Management Science, 186-2-4.
Wang, E. S.-T., & Chou, N. P.-Y. (2014). Consumer Characteristics, Social Influence, and System Factors on Online Group-Buying Repurchasing Intention. Journal of Electronic Commerce Research, 15 No.2.
Widarjono, A. (2018). Ekonometrika Pengantar dan Aplikasinya Disertai Panduan EViews (Edisi Kelima ed.). Yogyakarta: UPP STIM YKPN.
Yousafzai, S. Y., Foxall, G. R., & Pallister, J. G. (2010). Explaining Internet Banking Behavior: Theory of Reasoned Action, Theory of Planned Behavior, or Technology Acceptance Model? Journal of Applied Social Psychology, 1172-1202.
Yu, C. S. (2012). Factors Affecting Individuals to Adopt M-banking: Empirical Evidence from the UTAUT Model. Journal of Electronic Commerce Research, 104-121.
Zakarija, A. (2010). Theory of Planned Behavior, Masihkah Relevan? Malang: Universitas Muhammadiyah Malang.
Zhang, P., Aikman, S. N., & Sun, H. (2008). Two types of attitude in ICT acceptance and use. International Journal of Human-Computer Interaction, 628-648.
Zhou, T., Lu, Y., & Wang, B. (2010). Integrating TTF and UTATUT to Explain M-banking User Adoption. Computers in Human Behavior, 760-767.
Published
2023-10-02
How to Cite
KORNITASARI, Yenny -.
The Impact of Trust in Technological Innovation, Financial Literacy, and Social Influence Factors on Motivation in M-Banking.
JMK (Jurnal Manajemen dan Kewirausahaan), [S.l.], v. 8, n. 3, p. 182-202, oct. 2023.
ISSN 2656-0771.
Available at: <https://ejournal.uniska-kediri.ac.id/index.php/ManajemenKewirausahaan/article/view/4119>. Date accessed: 21 dec. 2024.
doi: https://doi.org/10.32503/jmk.v8i3.4119.
Section
Artikel Ilmiah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
