FAKTOR-FAKTOR YANG MEMPENGARUHI SIKAP NASABAH TERHADAP PENGGUNAAN ELECTRONIC BANKING DENGAN MENGGUNAKAN PENDEKATAN TECHNOLOGY ACCEPTUNCE MODEL (TAM) PADA NASABAH BNI SYARI,AH CABANG YOGYAKARTA

RIZKI NORISZONA, NIM. 12390015 (2016) FAKTOR-FAKTOR YANG MEMPENGARUHI SIKAP NASABAH TERHADAP PENGGUNAAN ELECTRONIC BANKING DENGAN MENGGUNAKAN PENDEKATAN TECHNOLOGY ACCEPTUNCE MODEL (TAM) PADA NASABAH BNI SYARI,AH CABANG YOGYAKARTA. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Electronic banking is the key to success in realizing the concept of financial inclution. In addition to providing convenience and benefits to customers, increase the use of e-banking may also increase fee-based income for the banks. So it becomes very important to note how the use of electronic banking acceptance among the public. This research has purpose to show how the affect of perceived ease of use and perceived usefulness influence towards the customers’ attitude in e-banking and influenced by expertise and innovativeness as a moderating variable. The data used are primary data through questionnaires. Quantitative data analysis is performed by linear regression method with MRA (Moderated Regression Analysis). The results of research stated that perceived ease of use in moderation expertise, perceived usefulness in moderation expertise, perceived ease of use in moderation innovativeness, and the perceived of usefulness in moderation innovativeness of the F test results obtained F count equal to 27,588 with a probability level of significant 0,000 more less than 0.05. It can be concluded that the regression model can be used and there are influences together on the attitudes of customers on the use of ebanking. Based on the test results the coefficient of determination obtained Adjusted R Square of 0.682 which means that the contribution of the perceived ease of use in moderation expertise, perceived usefulness in moderation expertise, perceived ease of use in moderation innovativeness, and the perceived of usefulness in moderation innovativeness simultaneously affect the attitude 68.2%. Partially only variable perceived usefulness in moderation innovativeness is positive and significant.

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