Faktor-Faktor Yang Memengaruhi Minat Nasabah Dalam Menggunakan Layanan Internet Banking Dengan Menggunakan UTAUT (Unified Theory Of Acceptance And Use Of Technology) (Studi Pada Pengguna Internet Banking BRI)

Amalia, Sartika (2018) Faktor-Faktor Yang Memengaruhi Minat Nasabah Dalam Menggunakan Layanan Internet Banking Dengan Menggunakan UTAUT (Unified Theory Of Acceptance And Use Of Technology) (Studi Pada Pengguna Internet Banking BRI). Sarjana thesis, Universitas Brawijaya.

Abstract

Internet Banking adalah sebuah platform yang diberikan oleh masing-masing perbankan untuk mempermudah para nasabahnya melakukan transaksi tanpa harus pergi ke bank secara langsung. Internet Banking bisa dikatakan fasilitas yang diberikan oleh perbankan sebagai mediasi/alat pembayaran tanpa menggunakan uang tunai langsung. PT Bank Rakyat Indonesia, Tbk meluncurkan layanan perbankan yaitu internet banking BRI pada tahun 2009. Internet Banking adalah salah satu layanan yang ditawarkan oleh Bank Rakyat Indonesia sehingga dapat memudahkan dan melancarkan nasabah dalam melakukan transaksi perbankan dimanapun dan kapanpun selama 24 jam penuh dan dapat di akses melalui web resmi milik Bank Rakyat Indonesia. Nasabah dapat menggunakan layanan internet banking dengan login ke halaman web bank dengan memasukan user id dan memasukan password. Penelitian ini dilakukan untuk mengetahui faktor-faktor apa saja yang dapat memengaruhi minat nasabah dalam menggunakan layanan internet banking BRI. Penelitian ini menggunakan UTAUT (Unified Theory Of Acceptance and Use Of Technology) mengetahui variabel Perfomance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition dan Behavioral Intention. Penelitian ini menggunakan teknik pengumpulan data secara kuesioner dengan jumlah sampel yang digunakan antara 75-100 responden, dan jumlah data responden yang akan dianalisis dengan menggunakan regresi linier sebesar 100 data. Dilakukan uji asumsi, pertama uji normalitas dengan taraf signifikansi diatas 0,05 disimpulkan bahwa data pada model regresi tersebut berdistribusi secara normal. Kedua uji homogenitas dengan taraf signifikansi diatas 0,05 disimpulkan bahwa data pada model regresi bersifat homogen. Ketiga uji linieritas dengan taraf signifikansi dibawah 0,05 disimpulkan bahwa variabel-variabel pada model regresi dapat dikatakan linier. Keempat uji heteroskedatisitas dengan taraf signifikansi diatas 0,05 disimpulkan bahwa variabel-variabel pada model regresi tidak terjadi heteroskedastisitas. Hasil statistik deskriptif variabel Perfomance Expectancy, Effort Expectancy, Social Influence, Facility Condition termasuk kategori sangat tinggi, sedangkan variabel behvioral intention memiliki kategori tinggi. Hasil penelitian menyimpulkan bahwa variabel Perfomance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition berpengaruh positif terhadap prilaku pengguna (Behavioral Intention) dalam menggunakan layanan Internet Banking BRI. Faktor-faktor yang mempengaruhi minat nasabah dalam menggunakan layanan internet banking adalah Perfomance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition.

English Abstract

Internet Banking is a platform provided by each bank to facilitate its customers to make transactions without having to go to the bank directly. Internet Banking can be said of facilities provided by the banking system as a mediation / means of payment without using direct cash. PT Bank Rakyat Indonesia, Tbk launched banking services that internet banking BRI in 2009. Internet Banking is one of the services offered by Bank Rakyat Indonesia so as to facilitate and launch customers in banking transactions wherever and whenever for 24 hours and can be accessed through the official website of Bank Rakyat Indonesia. Customer can use internet banking service by logging into bank web page by entering user id and entering password. This research is conducted to find out what factors can influence the interest of customers in using internet banking services BRI. This study uses UTAUT (Unified Theory Of Acceptance and Use Of Technology) to know the variables Perfomance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition and Behavioral Intention. This study uses data collection techniques in questionnaire with the number of samples used between 75-100 respondents, and the number of respondents data to be analyzed by using linear regression of 100 data. Conducted assumption test, the first test of normality with a level of significance above 0.05 concluded that the data on the regression model is normally distributed. Both homogeneity tests with significance levels above 0.05 concluded that the data on the regression model is homogeneous. The three linearity test with the level of significance under 0.05 concluded that the variables in the regression model can be said to be linear. The four heteroskedatisitas test with the level of significance above 0.05 concluded that the variables in the regression model did not occur heteroscedasticity. Descriptive statistical results of variables Perfomance Expectancy, Effort Expectancy, Social Influence, Facility Condition is very high category, while the variable behvioral intention has a high category. The result of this research concludes that Perfomance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition have positive effect to user behavior (Behavioral Intention) in using BRI Internet Banking service. Factors affecting the interest of customers in using internet banking services are Perfomance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition.

Item Type: Thesis (Sarjana)
Identification Number: SKR/FTIK/2018/165/051801152
Uncontrolled Keywords: UTAUT, Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition, Behavioral Intention
Subjects: 000 Computer science, information and general works > 003 Systems
Divisions: Fakultas Ilmu Komputer > Sistem Informasi
Depositing User: Yusuf Dwi N.
Date Deposited: 28 May 2018 02:37
Last Modified: 26 Oct 2021 08:59
URI: http://repository.ub.ac.id/id/eprint/11152
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