Email this article MINAT PENGGUNAAN ULANG LAYANAN DIGITAL BANKING DENGAN TECHNOLOGY ACCEPTANCE MODEL (TAM)
Abstract
The rapid development of technology forces conventional banks or commercial banks to adopt digital technology in their business. Bank BTPN is one of the banks in Indonesia that has implemented digital technology in its services. Bank BTPN launched a digital banking product called Jenius. Jenius is a digital banking platform equipped with a VISA card that can help BTPN bank customers carry out financial activities via smartphones so that customers have control over their money and financial arrangements. This research was conducted to analyze behavioral intentions in using the Jenius digital banking platform services using the Technology Acceptance Model (TAM) method. The indicator variables used are perceived usefulness, perceived ease of use, brand image, co-creation, and attitude toward using. The results of this study are that brand image and attitude toward using have a significant direct effect on behavior intention to use, and attitude toward using are influenced by perceived usefulness, perceived ease of use, and co-creation.
Keywords
Full Text:
PDFReferences
Bhattacharjee D. 2015. “Internet banking adoption in bangladesh: an extension of Technology Acceptance Model (TAM)”. The Chittagong University Journal of Business Administration. Vol. 26 No.11, pp 159-182.
Bijmolt TH, Leeflang PS, Block F, Eisenbeiss M, Hardie BG, Lemmens A, Saffert P. 2010. “Analytics for customer engagement”. Journal of Service Research. Vol. 13 No.3, pp 341-356.
Chen LD, Gillenson ML, Sherrell DL. 2002. “Enticing online consumers: an extended technology acceptance perspective”. Information & Management. Vol. 39 No.8, pp 705-719.
Chong AYL, KB OO, Lin B, Tan BI. 2010. “Online banking adoption: an empirical analysis”. International Journal of Bank Marketing. Vol. 28 No.4, pp 267-287.
Davis FD, Bagozzi PR, Warshaw P. 1989. “User acceptance of computer technology: a comparison of two theoretical models”. Management Science. Vol. 35 No. 8, pp 982‐1003.
Davis FD. 1989. “Perceived usefulness, perceived ease of use, and user acceptance of information technology”. MIS Quarterly. Vol. 13 No.3, pp 319-340.
Dijk VJ, Antonides G, Schillewaert N. 2014. “Effects of co-creation claim on consumer brand perceptions and bpehavioral intentions”. International Journal of Consumer Studies. Vol. 38 No. 1, 110-118.
Esch FR, Langner T. 2006. “Are brands forever? How brand knowledge and relationships affect current and future purchases”. Journal of Product & Brand Management. Vol. 15 No. 2, pp 98 – 105.
Fawzy SF, Esawai N. 2017. Internet banking adoption in Egypt: extending technology acceptance model. Journal of Business and Retail Management Research (JBRMR). 12(1): 1-10. 53.
Ghani MA, Rahi S, Yasin NM, Alnaser FM. 2017. “Adoption of internet banking: extending the role of technolog acceptance model (TAM) with e-customer service and customer satisfaction”. World Applied Sciences Journal. Vol. 35 No. 9, pp 1918-1929.
Gronholdt L, Martensen A, Kristensen K. 2000. “The relationship between customer satisfaction and loyalty: cross-industry differences”. Total Quality Management. Vol. 11 No. 4, pp 509-514.
Hermawan K. 2009. New wave marketing, the world is still round the market is already flat. Gramedia. Jakarta.
Hu HH, Kandampully J, Juwaheer TD. 2009. “Relationships and impacts of service quality, perceived value, customer satisfaction, and image : Anempirical study”. The Service Industries Journal. Vol. 29 No. 2, pp 111–125.
Jesús CF, Emily G, Lourdes P. 2017. “Towards a co-creation framework in the retail banking services industry: a cross-cultural analysis”. Congreso De Marketing Aemark. Vol. 17 No. 1, pp 856 – 868.
Jogiyanto. 2007. Sistem Informasi Keperilakuan. Penerbit Andi. Yogyakarta.
Lee MC. 2009. “Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications”. Vol. 8 No. 3, pp 130-141.
Legris P, Ingham J, Collerette P. 2003. “Why do people use information technology? A critical review of the technology acceptance model”. Information & Management. Vol. 4 No. 3, pp 191-204.
Lin CW, Song JF. 2008. “Consumer response of price-matching refund policies: effect of perceived credibility”. NTU Management Review. Vol .18 No. 2, pp 197-228.
Lin NH, Lin BS. 2007. “The effect of brand image and product knowledge on purchase intention moderated by price discount”. Journal of International Management Studies Tatung University. Vol.7 No.1, pp 121-132 .
Mokhtar R, Othman Z, Ariffin HF. 2018. “The effect of brand awareness, brand image and perceived quality on customer behavior intention. International Journal of Academic Research in Business and Social Science”s. Vol. 8 No.12, pp 2023–2035.
Noble. 1999. “Development in marketing science”. Academy of Marketing Science. Vol. 22 No. 4, pp 1-5.
Ohern M, Rindfleisch A. 2008. “Customer Co-Creation”. Review of Marketing Research. Vol. 6 No. 1, pp 84-116.
Otoritas Jasa Keuangan (OJK). 2016. Panduan penyelenggaraan digital branch. OJK. Jakarta
Pandutomo S. 2011. “Analisis faktor yang memengaruhi consumer acceptance terhadap SMS-Banking Mandiri”. [tesis]. Universitas Indonesia. Jakarta
Puriwat W, Tripopsakul S. 2017. “Mobile banking adoption in Thailand: An integration of technology acceptance model and mobile service quality”. European Research Studies Journal. Vol. 10 No.4A, pp 200-210.
Rahi S, Yasin NM, Alnaser FM. 2017. “Measuring the role of website design, assurance, customer service and brand image towards customer loyalty and intention to adopt internet banking”. Journal of Internet Banking and Commerce. Vol. 22 No. S8, pp 1-18.
Raida RE, Néiji B. 2013. “The adoption of the e-banking: validation of the technology acceptance model”. Technology and Investment. Vol. 13 No. 4, pp 197-203.
See-to E, Ho K. 2014. “Value co-creation and purchase intention in social network sites: The role of electronic Word-of-Mouth and trust – A theoretical analysis”. Computers in Human Behavior. Vol. 31 No. 2, pp 182-189.
Septiaji P. 2020. “Pengaruh persepsi bauran pemasaran, penjualan kendaraan, dan program loyalitas terhadap pembelian ban di pasar replacement”. [tesis]. Institut Pertanian Bogor. Bogor.
Sharma G, Bala R. 2017. Digital Color Imaging Handbook. CRC press. United States.
Soltani M, Jandaghi G, Forouzandeh SP. 2017. “Co-creation intention; presenting a model of antecedents and its impact on attitude toward the product (case study in Shatel Company)”. Iranian Journal of Management Studies. Vol. 10 No. 1, pp 143-174.
Suki NM. 2011. “Subscribers Intention towards using 3G mobile services”. Journal of Economics and Behavioral Studies. Vol. 2 No. 2, pp 67-75.
Venkatesh V. 2002. “User acceptance enablers in individual decision making about technology: toward an integrated model”. Decision Sciences. Vol. 33, pp 297-316.
Wijaya BS. 2013. “Dimensions of brand image: a conceptual review from the perspective of brand communication”. European Journal of Business and Management. Vol. 5 No. 31, pp 1-10.
Yang Z. 2009. “The impact of promotional activities on customer purchasing behavior at tesco lotus”. [tesis]. Bangkok University. Bangkok.
Yani E, Lestari AF, Amalia H, Puspita A. 2018. “Pengaruh internet banking terhadap minat nasabah dalam bertransaksi dengan technology acceptance model”. Jurnal Informatika. Vol. 5 No.1, pp 34-42.
DOI: http://dx.doi.org/10.22441/jdm.v6i1.17007
Refbacks
- There are currently no refbacks.
Copyright (c) 2023 Jurnal Doktor Manajemen (JDM)
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Jurnal Doktor Manajemen (JDM)
Program Doktor Manajemen - Fakultas Ekonomi dan Bisnis
Universitas Mercu Buana
Jl. Raya Meruya Selatan, Kembangan, Jakarta 11650
Tlp./Fax: +62215871335
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.