Analysis Of The Behavior Of Using Mobile Banking Services For Students

Abstract

Abstrak

Penelitian ini bertujuan untuk menjelaskan analisis perilaku penggunaan layanan mobile banking pada mahasiswa se-Sumatera Utara dengan pedekatan : technology acceptance model baik secara simultan maupun parsial. Sampel yang digunakan sebanyak 450 responden mahasiswa dengan teknik pengambilan sampel mengunakan teknik  proportioate stratified random sampling dengan melakukan uji hubungan dengan teknik  analisis SEM (Structural Equation Model), yang akan dianalisis menggunakan alat bantu  structural equation modeling dengan metode alternatif partial least square menggunakan software SmartPLS. Penelitian ini menemukan bahwa secara simultan persepsi manfaat dan persepsi kemudahan pengguna memiliki pengaruh terhadap prilaku penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Sedangkan secara parsial persepsi manfaat dan persepsi kemudahan pengguna juga memiliki pengaruh terhadap prilaku penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara. Serta persepsi manfaat lebih dominan dibandingkan persepsi kemudahan pengguna di dalam penggunaan layanan mobile banking pada mahasiswa di Sumatera Utara.

Abstract

This study aims to explain the behavioral analysis of the use of mobile banking services to students in North Sumatra with the approach: technology acceptance models, either simultaneously or partially. The sample used is 450 student respondents with the sampling technique using the proportional stratified random sampling technique by conducting a relationship test with the SEM analysis technique, with the alternative method of partial least square using the SmartPLS. This study found that simultaneously the perceived usefulness and perceived ease of users have an influence on the behavior of using mobile banking services among students in North Sumatra. Meanwhile, partially, the perceived usefulness and perceived ease of users have an influence on the behavior of using mobile banking services among students in North Sumatra. As well as the perception of benefits is more dominant than the perceived ease of users in using mobile banking services for students in North Sumatra.