ANALISIS MINAT NASABAH UNTUK MENGGUNAKAN LAYANAN INTERNET BANKING DI SEMARANG

Maulana A, Syafi’ (2011) ANALISIS MINAT NASABAH UNTUK MENGGUNAKAN LAYANAN INTERNET BANKING DI SEMARANG. Undergraduate thesis, Diponegoro University.

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Abstract

ABSTRAK Pengguna internet di Indonesia meningkat seiring dengan pertumbuhan teknologi informasi yang semakin cepat. Berdasarkan www.internetworldstats.com, pengguna internet di Indonesia tumbuh lebih dari 1.150% dalam 10 tahun terakhir. Tahun 2008 total pengguna internet mencapai 25 juta dengan populasi 237.512.355 jiwa. Perkembangan teknologi informasi, telekomunikasi, dan internet menyebabkan mulai munculnya aplikasi bisnis yang berbasis internet, salah satunyaadalah internet banking. Namun berdasarkan survei awal yang dilakukan di Semarang, ternyata jumlah pengguna layanan ini sangat kecil, hanya 15% dari total responden awal. Penelitian ini difokuskan untuk mengidentifikasi dan mengetahui seberapa besar faktor mempengaruhi minat menggunakan internet banking di Semarang. Total 130 kuesioner disebar di kota Semarang. TAM digunakan sebagai model konseptual untuk menyelidiki faktor yang mempengaruhi minat nasabah untuk menggunakan internet banking. Untuk menguji model tersebut, data dikumpulkan dari 130 nasabah berbagai bank di Semarang. Model ini mengukur pengaruh computer self efficacy, perceived ease of use, perceived credibility, perceived usefulness kepada customer attitude dan customer attitude kepada intention to use. Hasil penelitian ini menunjukkan bahwa salah satu faktor yang mempengaruhi minat menggunakan internet banking adalah sikap, sedangkan kemudahan penggunaan, manfaat, kredibilitas, dan kemampuan menggunakan komputer memiliki pengaruh tidak langsung. Selain pengaruh faktor dalam model penelitian masih ada faktor-faktor yang mempengaruhi minat yang belum diteliti dalam penelitian ini yang memiliki pengaruh lebih besar terhadap minat untuk menggunakan internet banking. Oleh karena itu perlu dikaji lagi faktor-faktor lain yang mempengaruhi minat nasabah menggunakan internet banking yang sesuai dengan karakteristik nasabah di Semarang. ABSTRACT Internet users in Indonesia increased along with the growth of information technology that goes faster. Based www.internetworldstats.com, internet users in Indonesia grew more than 1150% in the last 10 years. In 2008, the total Internet users reached 25 million with a population of 237,512,355 person. The development of information technology, telecommunications, and internet caused starting the emergence of Internet-based business applications. One application that received attention is the internet banking. However, based on initial survey conducted in Semarang, the number of these users is very small, only 15% of the total initial respondents. This study focused on identifying and knowing how much factor that influence the intention to use internet banking in Semarang. The 130 questionnaires distributed in the Semarang city. TAM is used as a conceptual model to investigate the factors that influence the acceptance and interest of customers to use internet banking. The data collected from 130 clients of the bank in Semarang to test the model. This model measures the effect of computer self efficacy, perceived ease of use, perceived credibility, perceived usefulness to the customer attitude and customer attitude to intention to use. The results of this study indicate that the one of the factor that affect intention to use internet banking is an attitude, while ease of use, usefulness, credibility, and computer self efficacy have an indirect effect. Besides the influence of the factors in the model studied, there are still factors that affect the intention that has not been investigated in this study who have a greater affect on the intention to use internet banking. Therefore need to be reviewed again for other factors that affect the intention to use internet banking that meet the characteristics of customers in Semarang.

Item Type:Thesis (Undergraduate)
Uncontrolled Keywords:Kata Kunci : Internet Banking, Technology Acceptance Model (TAM), SEM Keyword : Internet Banking, Technology Acceptance Model (TAM), SEM
Subjects:T Technology > T Technology (General)
T Technology > TS Manufactures
T Technology > TX Home economics
Divisions:Faculty of Engineering > Department of Industrial Engineering
Faculty of Engineering > Department of Industrial Engineering
ID Code:33057
Deposited By:Admin teknik industri
Deposited On:08 Feb 2012 13:37
Last Modified:08 Feb 2012 13:37

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