THE EFFECT OF TRUST, PERCEIVED EASE OF USE, PERCEIVED OF USEFULNESS ON INTENTION TO USE IN TRANSACTION USING BRANCHLESS BANKING SERVICES (BTPN Wow)

  • Tina Nurdiana Sari STIE Sutaatmadja
  • Sri Mulyati STIE Sutaatmadja
  • Indah Umiyati STIE Sutaatmadja

Abstract

Indonesia Banking still not reach all areas in Indonesia until now, especially in remote areas. The existence of them a reality, then bank develop products namely branchless banking services which is a bank service without an office with the office network but not through the use of information technology in its operations and requires the cooperation of other parties, namely the agent as representative of the bank to provide banking services in the society are not familiar with, use and or obtained banking services and other financial services. Branchless Banking is generally a strategy to serve the public for financial services without reliance on bank branch offices physically or outsourcing transaction processing banking services to third parties. This study aims to examine how the influence of Trust, Perceived Ease of Use and Perceived Of Usefulness to Customer interest in the use of Branchless Banking.

Research using the Technology Acceptance Model (TAM) framework and re-examine the model developed by Rahayu (2015) on Case of Branchless Banking service to Bank BTPN Wow Subang Branch customers. In doing the calculations to test the model and hypotheses that have been proposed processed by using software SmartPLS.

The results of hypothesis testing prove that Perceived Ease of Use, Perceived Usefulness and Trust, significant effect on Intention To Use. Perceived Ease of Use also indirectly also affects the Intention to Use through Perceived Usefulness.

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Published
2019-12-09
How to Cite
Sari, T., Mulyati, S., & Umiyati, I. (2019). THE EFFECT OF TRUST, PERCEIVED EASE OF USE, PERCEIVED OF USEFULNESS ON INTENTION TO USE IN TRANSACTION USING BRANCHLESS BANKING SERVICES (BTPN Wow). JBFI (Journal of Banking and Financial Innovation), 1(01). Retrieved from http://ojs.stiesa.ac.id/index.php/jbfi/article/view/237
Section
Articles