EVALUATING THE IMPACT OF PERCEIVED USEFULNESS, PERCEIVED CONVENIENCE, AND PERCEIVED RISK ON CUSTOMER’S INTEREST IN USING E-BANKING: AN INTEGRATION OF TECHNOLOGY ACCEPTANCE MODEL

Abstract

The trend of automation and data exchange in technology which include cyber-physical systems, internet of things (IoT), cloud computing, and cognitive computing has affecting banking industry from conventional banking system into a digital one or called as E-banking. The digital banking era 4.0 is an opportunity for banks in the country for further innovation to provide services to customers. This innovation has addressed a positive competition for financial technology’s growth. Every transaction process in banking can be overcome and carried out effectively and efficiently by using E-Banking. Service facilities help customer’s needs especially in high business mobility by making transaction anywhere more effectively and fast. This research is done at PT Bank Negara Indonesia Tbk (BNI), Kcp-diponegoro with all customers as respondents by using purposive sampling technique. Data analysis technique is used by multiple linear regression analysis processed through SPSS 18.0 for Windows software program. Based on data analysis result, it was found that perceived usefulness, perceived ease of use, and perception of risk had a positive and significant effect on customer’s interest in the use of E-banking.

Keywords

• perceived usefulness
• perceived convenience
• perception of risk
• customer’s interest