Title: THE EFFECT OF PERCEPTION OF USEFULNESS, EASE OF USE, AND TRUST ON ATTITUDE AND INTENTION TO USE MOBILE BANKING SERVICE TECHNOLOGY (Study on BCA Bank Customers in Kata Sumenep)
Author: NURDODY ZAKKI
Affiliations : Master of Management Science Program, Faculty of Economics and Business, Universitas Airlangga , Surabaya, Indonesia
Publisher: Universitas Airlangga
Abstract
This study aims to analyze the influence of perceived usefulness, ease of use, and trust on attitudes and intentions to use mobile banking service technology, a case study on BCA Bank customers in Sumenep City. This study aims to provide empirical evidence on the influence of perceived usefulness, ease of use, and trust on attitudes and intentions to use mobile banking service technology. This study is a confirmatory study by conducting several hypothesis tests to describe the causal relationship of all variables. The research population is BCA Bank Sumenep customers who use electronic banking (e-banking), one of which is mobile banking. The technical analysis used to test the research hypothesis was carried out using Structural Equivalence Modeling (SEM) supported by the AMOS program version 18. The results of the study indicate that perceived ease of use, trust studied have a positive and significant effect on customer attitudes and intentions to use mobile banking service technology. While perceived usefulness has a negative and insignificant effect on attitudes to use mobile banking services, this also occurs in the attitude variable which has a negative and insignificant effect on intentions to use mobile banking services. The results of this study are useful for providing scientific information regarding the variables studied, namely perceived usefulness, ease of use, and trust, which influence attitudes and intentions to use mobile banking services. The results can also be used by banks as a guideline for understanding consumer behavior.
Keywords: Perceived usefulness, ease of use, trust, attitude, intention, mobile banking services