Subjective Norms Are Not Important for Millennials in Determining Their Interest in Technology: TAM and TPB Models Examines
DOI:
https://doi.org/10.21927/10.21927/jesi.2022.12(2).162-181Kata Kunci:
Subjective Norms, TAM, TPB, Interests, Islamic BanksAbstrak
This study examines the factors influencing the intention to use Islamic mobile banking services. In this study, factors influencing millennials' interest in using Islamic mobile banking are perceived usefulness, perceived ease of use, attitudes towards behaviour, subjective norms and behavioural control. This research is a development of previous research, which also uses a combination model of TAM (Technology Acceptance Model) and TPB (Theory of Planned Behavior). Data analysis was performed using Smart PLS Software version 3.0 and IBM SPSS 25. The results of this study indicate that perceived ease of use, perceived benefits, attitude to use, and behavioural control influence students' interest in using Islamic mobile banking. Meanwhile, subjective norms do not affect students' interest in using sharia mobile banking. The implications of this research are relevant for bank management, strategic divisions, marketing and mobile banking analysts to pay attention to the factors influencing individual interest in using mobile banking in developing their information systems.
Referensi
Buku :
Fisbein, M, & Ajzen, I. 1975. Belief, Attitude, Intention, and Behavior: an Introduction to Theory and Research, Reading.MA: addison-wesley.
Hartono, J, and W Abdillah. 2009. Konsep Dan Aplikasi PLS (Partial Least Square) Untuk Penelitian Empiris. Yogyakarta: Andi Offset.
Husein Umar.(2002).Manajemen Riset Pemasaran dan Perilaku Konsumen. Jakarta: PT. Gramedia Pustaka..
Jogiyanto, Hartono M. 2007. Sistem Informasi Keperilakuan. Yogyakarta: Andi.
Jubilee, Enterprise. 2014. SPSS Untuk Pemula. Jakarta: PT Elex Media Komputindo.
Kasiran, Moh. 2010. Metodologi Penelitian Kualitatif-Kuantitatif. Malang: UIN Maliki Press.
Martono, Nanang. 2011. Metode Penelitian Kuantitatif Analisis Isi Dan Analisis Data Sekunder. Jakarta: PT. Raja Grafindo.
Martono, Nanang. 2011. Metode Penelitian Kuantitatif Analisis Isi Dan Analisis Data Sekunder. Jakarta: PT. Raja Grafindo.
Riswandi, Budi Agus. 2005. Aspek Hukum Internet Banking. Jakarta: PT Raja Grafindo Persada.
Riswandi, Budi Agus. 2015. Aspek Hukum Internet Banking. Jakarta: PT Raja Grafindo Persada.
Slameto. (2010). Belajar dan faktor-faktor yang mempengaruhinya. Jakarta :Rineka Cipta
Sugiyono. 2015. Metode Penelitian Pendidikan. Bandung: Alfabeta.
Sujarweni, Wiratna. 2015. Metodologi Penelitian : Bisnis Dan Ekonomi. Yogyakarta: Pustaka Baru Press.
Suryani, and Hendryadi. 2020. Metode Riset Kuantitatif : Teori Dan Aplikasi Pada Penelitian Bidang Manajeman Dan Ekonomi Islam. Jakarta: Prenada media Group.
Skripsi :
Lisa, Noor Ardhiani (2015).â€Analisis faktor-faktor penerimaan penggunaan quipperschool.com dengan menggunakan pendekatan TAM danTPB di SMAN 7 Yogyakartaâ€.
Mirnawati (2019). “Analisis Minat Menggunakan Financial Technologi Pada Generasi Millenials Muslim Kota Kendariâ€.
Ramadhan, Ananto Tri. 2019. “Analisis Penggunaan System Bimbingan Online Dalam Kegiatan Bimbingan Tugas Akhir Mahasiswa Menggunakan Pendekatan Technology Acceptance Model (TAM) Fakultas Teknik Universitas Negeri Yogyakartaâ€.
Rizka Ayu Permatasari (2019). “Minat menggunakan internet banking dan mobile banking pada mahasiswa/I perbankan syariahâ€.
Suci sulistiyarini (2012). “Pengaruh Minat Individu Terhadap Penggunaan Mobile Banking : Model Kombinasi TAM Dan TPBâ€.
Taufan Bayu Adjie Wibowo (2018). “Faktor-faktor yang mempengaruhi persepsi kepuasan nasabahterhadap layanan mobile bankingâ€.
Thatit Mahendra (2013). “Minat Individu Terhadap Penggunaan Mobile Banking : Pendekatan Modified TAM Dan TPBâ€.
Yanuardinda,C. 2014.“analisis determinan minat keperilakuan dalam menggunakan mobile banking (studi pada mahasiswa strata satu universitas brawijaya)â€.
Jurnal :
Utomo, Agus Prio. 2021. “Perspektif dan Kepuasan Nasabah Terhadap Produk Ib Hijrah Wad’iah Studi Kasus Bank Muamalat KCP Konaweâ€. Jurnal Robust-Research Business and Economics Studies, Vol. 1, No. 1
Angela, maya. 2014. “Faktor-faktor yang Mempengaruhi Minat Nasabah Menggunakan Internet BankingPada PT BRI Cabang Ahmad Yani Makassar, Skripsi (Fakultas Ekonomi dan Bisnis Universitas Hasanuddin,(2014), h. 1-2
Arthana R, Yudhi W. ., and Novi Rukhiyanti. 2015. “Pengaruh Minat Individu Terhadap Penggunaanmobilebanking(M-Banking): Model Kombinasi Technology Acceptance Model(Tam) Dan Theory of Planned Behavior (Tpb).†Jurnal Informasi VII (1): 25–44.
Davis, Fred D. 1989. "Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology." MIS Quarterly: Management Information Systems 13 (3): 319–39. https://doi.org/10.2307/249008.
Dharma,BasuSwastha. 1998. TPB dalam sikap, niat dan perilaku konsumen, kelola 8(7): 85-103.
Fatmawati, Endang. 2015. “Technology Acceptance Model (TAM) Untuk Menganalisis Sistem Informasi Perpustakaan.†Iqra’: Jurnal Perpustakaan Dan Informasi9(1):113..
Haryanto, Agus Tri. 2019. “Pengguna Internet IndonesiaDidominasi Milenial, Inet.†Detik.com.
Khack, N. 2012. "Factors Affecting Behavioral Intensions Toward Mobile Banking Usage: A Study Of Banking Customer In Ho Chi Min City". (2012)
Khonsa, Nabila Al. 2020. “MINAT PENGGUNAN MOBILE BANKING PADA GENERASI MILENIAL ( Studi Kasus Mahasiswa FEBI IAIN Purwokerto ).†http://repository.iainpurwokerto.ac.id/9130/.
Lee, Ming-C., 2008. "Factors influencing the adoption of internet banking: An Integration of TAM and TPB with perceived risk and perceive benefit. Electronic Commerce Research and Applications".(2008)
Mahendra, Thatit. 2013. “Pengaruh Minat Individu Terhadap Penggunaan Mobile Banking: Model Kombinasi Technology Acceptance Model (TAM) Dan Theory Of Planned Behavior (TPB).†Jurnal Ilmiah Mahasiswa FEB, 1–18
Marlina, Asti, and Widhi Ariyo Bimo. 2018. “Digitalisasasi Bank Terhadap Peningkatan Pelayanan Dan KepuasanNasabah Bank.†INOVATOR. 10.32832/inovator.v7i1.1458.
Nazar, M R. Dan Syahran. 2008. “Pengaruh Privasi, Keamanan, Kepercayaan, Dan Pengalaman Terhadap Niat Untuk Bertransaksi Secara Onlineâ€.
Noor, K M. Dan Pearson, J M. 2007. "The Influence Of Trust On Internet Banking Acceptance. Journal Of Internet Banking And Commerce". Vol. 12
Nurjannah. 2021. “Pemanfaatan Media Sosial Dan Pembiayaan Bank Umum Syariah Dalam Pengembangan Usaha Mikro Dan Kecil Di Kecamatan Puuwatu Kota Kendariâ€. Jurnal Robust-Research Business and Economics Studies, Vol. 1, No. 1
Rahayu, (2015), “Minat Nasabah Menggunakan Mobile Banking Dengan Menggunakan Kerangka Technology Acceptance Model (TAM) BSM Yogyakartaâ€. Jurnal Ekonomi Syariah Indonesia, Volume V, No.2
Rahmatika Ula, dan Fajar, M A. 2019. “Faktor-faktor ysng mempengsruhi minat penggunaan electronic money intergrasi model TAM dan TPB dengan perceived riskâ€. Vol 8. No. 2
Sanjaya, I Putu Sugiartha. 2005. “Pengaruh Rasa Manfaat Dan Kemudahan Terhadap Minat Berperilaku (Behavioral Intention) Para Mahasiswa Dan Mahasiswi Dalam Penggunaan Internet†9 (2): 113–22.
Thusi, Philile, and Daniel K. Maduku. 2020. "South African Millennials' Acceptance and Use of Retail Mobile Banking Apps: An Integrated Perspective," ComputersinHuman Behavior." doi:10.1016/j.chb.2020.106405.
Kalsum, Ummi. 2018. “Otoritas Pengawasan Perbankan di Indonesiaâ€. Jurna Studi Ekonomi dan Bisnis Islam, Vol. 3, No. 2
Widarwati, Tri. 2015. “praktik kerja industry terhadap minat berwirausaha siswa kelas XI keahlian akuntansi SMK 1 Boyolaliâ€. h. 13
William, and Page. 2011. "Marketing to the Generations." Journal of Behavioral Studisesin Business,.
Wulan Pinontoan, (2013). “Pengaruh E-Banking, Kualitas Pelayanan, Kualitas Komunikasi Dan Kepercayaan Terhadap Loyalitas Nasabah Pada PT. Bank Mandiri Cabang Manadoâ€.Jurnal EMBA, Vol.1 No.4
Zein. 2016. "Penggunaan Internet Di Indonesia, Fortue PR - Indonesia Public Relations and Strategic Communications Firm."
Unduhan
Diterbitkan
Terbitan
Bagian
Lisensi
Authors who publish with this journal agree to the following terms:
1. Authors retain copyright and grant the journal right of first publication, with the work [SPECIFY PERIOD OF TIME] after publication simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
Â
2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
Â
3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
Â
JESI by http://ejournal.almaata.ac.id/index.php/JESI is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
