dc.description.abstract | Banking is one industris that is currently growing rapidly. With the
development of information technology, it will create such a great
opportunity for the financial service providers in this industry. This
opportunity can be used to further expand its business towards
information technology. One of the banking products based on
information technology today is internet banking. According to Shih
and Fang (2006) internet banking is a new type of information system
that uses emerging techniques, such as the Internet and th
e World Wide Web, and has changed the way consumers do various
financial activities in a virtual space.
The purpose of the study is to determine the characteristics of internet
banking users and to know the factors that influence the survey user of
internet banking. It is expected that this research will broaden the
knowledge of the long-term information technology. This will make
information technology, such as internet banking, can be used, not only
in industry banking, but various commercial and non-commercial brand
business.
The research method used in this study is non probability sampling on
several big cities in Indonesia. The data processing analysis is using
multiple regression with SPSS 20.00 software. The results of this data
processing will be conducted wih an in-depth discussion on the
characteristics of internet banking users and the factors that affect the
use of internet banking in Indonesia.
The results of this study are divided into two parts. First, the results of
qualitative research successfully strengthens the research model. The
variables of perceived usefulness, perceived ease of use, perceived
credibility, compatibility, personal innovativeness, and social influence
do affect the interest in using internet banking, in in the end, the real
utilization in using the internet banking. In addition, using quantitative
research successfully generated indicators for each valid and reliable
variables, namely 3 indicators from actual usage, 4 indicators from
behavioral intention, 6 indicators from perceived usefulness, 6
indicators from perceived ease of use, 4 indicators from perceived
credibility, 4 indicators from compatibility, 3 indicators from personal
innovativeness, and 4 indicators from social influence | en_US |