The Influence of confidence and trust in Technology on the interest of the utilization of Internet Banking in Surabaya

Gunawaty, Jocelyn and Megawati, Veny and Rahayu, Siti (2018) The Influence of confidence and trust in Technology on the interest of the utilization of Internet Banking in Surabaya. In: ICBSS 2018-International Conference Business, Economics and Social Sciences, 8-9 Agustus 2018, Aryaduta Hotel Manado Indonesia. (Submitted)

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Abstract

Innovation of technology usage by banking industry can decrease transactional cost and queue in bank. Many of today's banks use technology in their services in which this technology can serve the customers with little or no assistance at all from employees. This technology is usually called SST (self service technology). The number of e-banking users is currently experiencing a significant increase due to changes in behavior and needs of people in the application and utilization of digital technology in everyday life. This research aims to determine whether there is influence between confidence and trust in technology to consumer’s interest in using internet banking in Surabaya. There are 5 variable that will be discussed in this research namely self efficacy, trust in technology, global attitude toward self service technology (SST), attitude toward internet banking, intention to use internet banking. This research was conducted on 5 major bank customers in Surabaya, namely BRI, Mandiri, BCA, BNI, and CIMB Niaga of which applying internet banking. This research was conducted by using PLS (partial least square) method which was analyzed using SmartPLS version 3 software. The result of this study welcome all designed hypothesis. This proves that there is influence between confidence and trust in technology to the interest of internet banking usage. Therefore, the bank should continue to improve and develop innovations related to digital technology for banking transactions. Security and convenience in the use of internet banking should also continue to be improved to avoid fraud, theft and other felony.

Item Type: Conference or Workshop Item (Paper)
Uncontrolled Keywords: Internet Banking, interest, beliefs, belief, attitude.
Subjects: H Social Sciences > H Social Sciences (General)
Divisions: Faculty of Business and Economic > Department of Management
Depositing User: Veny Megawati 201005
Date Deposited: 12 Mar 2019 08:18
Last Modified: 12 Mar 2019 08:18
URI: http://repository.ubaya.ac.id/id/eprint/34391

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