Endang Siti Astuti, Mochammad Al Musadieq, Hamidah Nayati Utami, Mohammad Iqbal
Trust and Perception of Benefits as the Determinants of Behavior and Intention to Use Internet Banking in Indonesia
Examine the effect of trust on perceptions of ease of use, as well as its impact on attitudes and interests in using internet banking. This research employed a survey method, in which samples were selected from a population. This research took place in national banking institution in East Java Province which have utilized internet banking facilities. The population of this study were individuals who made transactions using internet banking of Bank BCA, Bank Mandiri, Bank BNI, Bank BII and Bank CIMB Niaga in East Java region. The findings of this research, which most coefficients are found significant indicate that the results provide strong support for most of the hypothesized influences. This research also confirms the suitability of TPB and TAM as appropriate models in explaining individual attitude in adopting internet banking. These results also support that the TPB and TAM models can be modified by involving trust as an intervening variable. The Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB) are regarded well-established and highly accepted model for predicting end-user acceptance of new technology. Currently, TAM and TPB provide important theoretical contributions in understanding the acceptance and the use of an information system. A number of studies have been conducted to re-examine, expand and apply TAM and TPB as the basic research model in research related to internet banking adoption.
Trust, Ease of Use, Attitudes, Interest of Internet Banking
Cite this paper
Endang Siti Astuti, Mochammad Al Musadieq, Hamidah Nayati Utami, Mohammad Iqbal. (2022) Trust and Perception of Benefits as the Determinants of Behavior and Intention to Use Internet Banking in Indonesia. International Journal of Economics and Management Systems, 7, 68-85