PENGARUH KEMUDAHAN PENGGUNAAN, KEMANFAATAN, SIKAP, RISIKO DAN FITUR LAYANAN TERHADAP MINAT ULANG NASABAH BANK BCA DALAM MENGGUNAKAN INITERNET BANKING

Chitra Laksmi Rithmaya

Abstract


ABSTRACT

 

The use of Internet as a shopping medium has started to become popular nowadayd. Banking service providers also need to predict the acceptance of the Internet by consumers, and understand why they do such use. This opportunity is used by banks in Indonesia, both government and private banks, because Internet as a media is an innovation that is enough to give the opportunities and challenges in its development. Development of services performed by technology based banking (electronic transaction) in the form of internet banking, mobile based mobile banking (phone banking), the use of ATM (authomatic Teller Machine), Credit Card and others are compulsory for banks in Indonesia to grab market share. Nowadays, internet banking is a major concern and a revolutionary weapon of strategic operations of the bank, for delivering as well as for competing among banks. The problem in this study is whether there are influences of ease of ease of use, usefulness, the attitude of use, risks and service features variables towards the reset interest of the customers of Bank BCA Internet banking. The data used in this study were primary data obtained by distributing questionnaires to customers who use internet banking. By using multiple linear regression analysis, in a simultaneous test using the F test, shown the influence of the independent variables with the dependent variable. Partially, expediency variable (X2) influenced positively and had significant impact on The interest. Partially, attitudinal variables (X3) influenced Positively and had significant impact on the reset interest Partially, risk variable (X4) influenced positively and had Significant impact on the interest. Partially, service features Variables (X5) influenced positively and had significant impact on the reset interest.


Keywords


Ease of use, usefulness, The attitude of use, Risks, service features, Interest reset

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DOI: http://dx.doi.org/10.17970/jrem.16.160110.ID

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ISSN : 1412-1824
E-ISSN : 2443-1265



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