FAKTOR INDIVIDU, ORGANISASI, DAN SISTEM TERHADAP SIKAP PENGGUNA E-BANKING
Heri Setiawan
Jurusan Administrasi Bisnis Politeknik Negeri Sriwijaya
Jl. Srijaya Negara Bukit Besar, 30139
Korespondensi dengan Penulis:
Heri Setiawan: Telp. +62 711 353 414; Fax. +62 711 355 918
E-mail: setyawanhery@yahoo.com
Abstract
The study investigated the influence of individual, organizational and system factors on attitude among electronic banking users in Palembang, Sumatera Selatan. The five constructs were system and service quality, perceived risk, organizational reputation, perceived ease of use and perceived usefulness on attitude which were used to determine users to use e-banking. Survey research design was adopted. Seven hundred and fifty six e-banking users in four banks were selected using Stratified Random Sampling. Data were collected using a structured questionnaire. Frequency and percentage distributions and multiple regressions were measured using analytical techniques. The research hypotheses were tested at 0.05% level of significance. Findings revealed that the constructs system and service quality, perceived risk, organizational reputation, perceived ease of use and perceived usefulness had a significant influence on the attitude of e-banking users. It was concluded that individual, organizational and systems factors influenced attitude toward use of e-banking. Banks should have made the interface of e-banking systems as friendly as possible and adopted the latest technologies that were standardized for effective and efficient e-banking transactions.
Key words: attitude, e-banking, organizational reputation, perceived risk, system
Jurnal Keuangan dan Perbankan (JKP) 