Faktor-Faktor yang Mempengaruhi Minat Menggunakan Layanan Mobile Banking di Batam
Abstract
Kemajuan teknologi saat ini berperan besar dalam kemajuan perbankan digital yang memungkinkan penggunaan teknologi untuk melakukan transaksi perbankan dengan lebih mudah dan efisien. Mobile banking memiliki banyak manfaat bagi pihak bank dan nasabah. Keuntungan bank dalam banyak aspek memiliki keunggulan kompetitif atas bank-bank yang tidak menyediakan layanan ini, menjangkau segmen tambahan pelanggan perorangan dan perusahaan yang memanfaatkan kemajuan dan inovasi telepon seluler dan mengurangi biaya karyawan, kurir, komunikasi, dokumen dan lainnya. Penelitian ini yang dilakukan untuk menyelidiki faktor-faktor yang berkaitan dengan minat nasabah bank nasional untuk menggunakan layanan mobile banking pada 200 nasabah dari bank nasional di Batam. Penelitian dimulai dengan mengumpulkan jawaban dari responden dengan kuesioner untuk kemudian diuji dengan menggunakan angka-angka statistika. Berdasarkan hasil uji dengan PLS diketahui bahwa hipotesis 2 dan 3 yaitu perceived ease of use dan perceived trust yang memiliki pengaruh dengan minat untuk menggunakan mobile banking namun 2 variabel indepnden lainnya yaitu perceived usefulness dan perceived risk tidak berpengaruh signifikan.
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