TECHNOLOGY ACCEPTANCE MODEL AND TRUST IN EXPLAINING CUSTOMER INTENTION TO USE INTERNET BANKING

• Main Authors: Putra A.A.S., Suprapti N.W.S., Yasa N.N.K., Sukaatmadja I P.G.
• Format: Article
• Language: English
• Published: Russian Journal of Agricultural and Socio-Economic Sciences 2019-07-01
• Series: Russian Journal of Agricultural and Socio-Economic Sciences
• Subjects: Perceived ease of use; perceived usefulness; attitude towards use; intention to use; trust; TAM; Bank Negara Indonesia
• Online Access: https://rjoas.com/issue-2019-07/article_29.pdf

The purpose of this study is to explain the effect of the Application of Technology Acceptance Model and Trust in Explaining Customer Intention to Use Bank Negara Indonesia (BNI) Internet Banking in Denpasar. The sampling technique in this study was purposive sampling because the population was not known with certainty. The indicators in this study were 20 indicators, so the total respondents were 200 people. The criteria for determining the sample are BNI customers who have never used the internet banking feature and have at least graduated from high school/equivalent. The data collection technique used in this study was questionnaire techniques. The data obtained were analyzed using SEM (Strucutral Equation Modeling) analysis. The results shows that perceived ease of use has a positive and significant effect on perceived usefulness BNI internet banking. Perceived ease of use has a positive and significant effect on attitude towards use BNI internet banking. Perceived usefulness has a positive and significant effect on attitude towards use BNI internet banking. Attitude towards use has a positive and significant effect on intention to use BNI internet banking. Perceived usefulness has a positive and significant effect on intention to use BNI internet banking. Perceived ease of use has a positive and significant effect on intention to use BNI internet banking. Trust has a positive and significant effect on attitude towards use BNI internet banking. Likewise, trust has a positive and significant effect on intention to use BNI internet banking.