THE APPLICATION OF TECHNOLOGY ACCEPTANCE MODEL ON INTERNET BANKING USERS IN THE CITY OF DENPASAR
Keywords:Internet Banking, TAM, Perceived Ease of Use, Perceived Usefulness, Attitude toward Using, Actual Usage
The analysis unit of this study was clients of the five major banks in Denpasar. This study aimed to analyze the implementation of internet banking using Technology Acceptance Model (TAM) approach. The research method was SEM which was processed by using SPSS dan AMOS. The results of this study showed that both perceived ease of use and perceived usefulness had significant and positive effects on the attitude towards using internet banking. Both perceived ease of use and perceived usefulness also had positive and significant effects on actual usage. Attitude toward using had a significant and positive relationship with actual usage.
Anggraeni, N. M. S. & Kerti-Yasa, N. N. 2012. E-service Quality terhadap Kepuasan dan Loya-litas Pelanggan dalam Penggunaan Internet Banking. Jurnal Keuangan dan Perbankan, 16 (2): 329–343.
Chau, P. Y. K. & Lai, V. S. K. 2003. An Empirical Investigation of the Determinants of User Ac-ceptance of Internet Banking. Journal of Or-ganizational Computing and Electronic Com-merce, 13(2): 123–145.[CrossRef]
Cheung, C. S. 2001. Understanding Adoption and Continual Usage Behaviour towards Internet Banking Services in Hong Kong. Master Thesis. Hong Kong: Lingnan University.
Choi, J. Y., Kim, Y. B., Jun, Y. M., & Kim, Y. H. 2011. A Bayesian Multivariate Probit Analysis of Korean Firms' Information System Adoption. Industrial Management & Data Systems, 111(9): 1465–1480.[CrossRef]
Davis, F. D. 1989. Perceived Usefulness, Perceived Easy of Use, and User Acceptance of Informa-tiom Technology. MIS Quarterly, 13(5): 319–339.[CrossRef]
________. 1993. User Acceptance of Information Technology: System Characteristics, User Per-ceptions and Behavioral. International Journal Management Machine Studies, 38(3): 475–487.[CrossRef]
Eriksson, K., Kerem, K., & Nilsson, D. 2005. Cus-tomer Acceptance of Internet Banking in Esto-nia. International Journal of Bank Marketing, 23 (2): 200–216.[CrossRef]
Ferdinand, A. 2002. Sctructural Equation Modeling dalam Penelitian Manajemen. Semarang: Badan Penerbit Universitas Diponegoro.
Gefen, D., Karahanna, E., & Straub, D. W. 2003. Trust and TAM in Online Shopping: An In-tegrated Model. MIS Quarterly, 27(1): 51–90.
Giovanis, A. N., Binioris, S., & Polychronopoulos, G. 2012. An Extension of TAM Model with IDT and Security/Privacy Risk in the Adoption of Internet Banking Services in Greece. EuroMed Journal of Business, 7(1): 24–53.[CrossRef]
Islam, S. M. T. & Chik, Z. 2011. Disaster in Bangla-desh and Management with Advanced Informa-tion System. Disaster Prevention and Manage-ment, 20(5): 521–530.[CrossRef]
Jahangir, N. & Begum, N. 2008. The Role of Perceiv-ed Usefulness, Perceived Ease of Use, Security and Privacy, and Customer Attitude to Engender Customer Adaption in the Context of Electronic Banking. African Journal of Business Manage-ment, 2(1): 32–40.
Jaruwachirathanakul, B. & Fink, D. 2005. Internet Banking Adoption Strategies for a Developing Country: The Case of Thailand. Internet Rese-arch, 15(3): 295–311.[CrossRef]
Jun, M. J. & Cai, S. H. 2001. The Key Determinants of Internet Banking Service Quality: A Content Analysis. The International Journal of Bank Marketing, 19(7): 276–294.[CrossRef]
Juwaheer, T. D., Pudaruth, S., & Ramdin, P. 2012. Factors Influencing the Adoption of Internet Banking: A Case Study of Commercial Banks in Mauritius. World Journal of Science, Techno-logy and Sustainable Development, 9(3): 204–234.[CrossRef]
Kaleem, A. & Ahmad, S. 2008. Banker’s Perception of Electronic Banking in Pakistan. Journal of Internet Banking and Commerce, 13(1): 1–16.
Kerem, K. 2003. Adoption of Electronis Banking: Underlying Consumer behaviour and Critical Success Factors. Case of Estonia. PRAXIS Center for Policy Studies.
Kesharwani, A. & Bisht, S. 2012. The Impact of Trust and Perceived Risk on Internet Banking Adoption in India: An Extention of Technology Acceptance Model. International Journal of Bank Marketing, 30(4): 303–322.[CrossRef]
Kusuma, H. & Susilowati, D. 2007. Determinan Pengadopsian Layanan Internet Banking: Pers-pektif Konsumen Perbankan Daerah Istimewa Yogyakarta. Jurnal Akuntansi dan Auditing Indonesia, 11(2): 125–139.
Laukkanen, P., Sinkkonen, S., & Laukkanen, T. 2008. Consumer Resistance to Internet Banking: Post-poners, Opponents and Rejectors. International Journal of Bank Marketing, 26(6): 440–455.[CrossRef]
Lech, P. 2012. Information Gathering During Enter-prise System Selection: Insight from Practice. In-dustrial Management & Data Systems, 112(6): 964–981.[CrossRef]
Malhotra, N. K. 2006. Riset Pemasaran, Pendekatan Terapan. Jakarta: Indeks.
Manzano, J. A., Lassala-Navarre, C., Ruiz-Mafe, C., & Salva. 2009. Key Drivers of Internet Banking Services Use. Online Information Review, 22(4): 672–695.[CrossRef]
Medyawati, H., Christyanti, M., & Yunanto, M. 2011. E-Banking Adoption Analysis Using Techno-logy Acceptance Model (TAM): Empirical Study of Bank Customers in Bekasi City. In-ternational Conference on Innovation, Manage-ment, and Service, 14(1): 91–95.
Mitic, M. & Kapoulas, A. 2012. Understanding The Role of Social Media in Bank Marketing. Marketing Intelligence and Planning, 30(7): 668–686.[CrossRef]
Ndubisi, N. O. & Sinti, Q. 2006. Consumers Atti-tudes, system’s Characteristics and Internet Banking Adoption in Malaysia. Management Research News, 29 (1/2): 16–27.[CrossRef]
Rahardjo, B. 2001. Aspek Teknologi dan Keamanan dalam Internet Banking. Jakarta: PT Insan Indo-nesia.
Rigopoulos, G. & Askounis, D. 2007. A TAM Framework to Evaluate User’s Perception Toward Online Electronic Payments. Journal of Internet Banking and Commerce, 12(3): 1–5.
Sathye, M. 1999. Adoption of Internet Banking by Australian Consumers: An Empirical Investiga-tion. Journal of Bank Marketing, 17(7): 324–334.[CrossRef]
Schiffman, L. & Kanuk, L. L. 2008. Perilaku Konsu-men. Jakarta: Indeks.
Sugiyono. 2008. Metode Penelitian Bisnis. Bandung: Alfabeta.
Walker, R H. & Johnson, L. W. 2006. Why Consu-mer Use and Do Not Use Technology-Enabled. Journal of Service Marketing, 20(2): 125–135.[CrossRef]
Widyarini, L. A. 2005. Analisis Niat Perilaku Meng-gunakan Internet Banking di Kalangan Peng-guna Internet di Surabaya. Jurnal Widya Mana-jemen dan Akuntansi, 5(1): 101–123.
Yahyapour, N. 2008. Determining Factors Affecting Intention to Adopt Banking Recommender System, Case of Iran. Thesis. Sweden: Lulea University of Technology.
Yusoff, Y. M., Muhammad, Z., Pasah, E. S., & Robert, E. 2009. Individual Differences, Per-ceived Ease of Use, and Perceived Usefulness in the E-Library Usage. Computer and Information Science, 2(1): 76–83.
Zhao, A. L. F., Hanmer-Lloyd, S., Ward, P., & Goode, M. M. H. 2008. Perceived Risk and Chinese Consumers' Internet Banking Services Adoption. International Journal of Bank Marketing, 26(7): 505–525.[CrossRef]
Zhao, A. L. F., Koenig-Lewis, N., Hanmer-Lloyd, S., & Ward, P. 2010. Adoption of Internet Banking Services in China: Is It All About Trust? International Journal of Bank Marketing, 28(1): 7–26.[CrossRef]
Authors who publish on this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).