[ABSTRAK
Penelitian ini membahas tentang dimensi pelayanan dan produk T-Bank BRI yangdiperhatikan oleh nasabah pengguna layanan T-Bank BRI. Inovasi yang dilakukan oleh BRIuntuk memenuhi kebutuhan nasabahnya adalah layanan T-Bank BRI. T-Bank BRImerupakan suatu layanan Branchless Banking yang dimiliki oleh BRI, dimana transaksikeuangan cukup dilakukan melalui Handphone tanpa nasabah datang ke bank. Beberapafaktor yang mempengaruhi tingkat adopsi suatu inovasi diantaranya adalah : type of group,type of decisions, marketing effort, fullfilment of felt need, compatibility, relative advantage,complexcity, observability, triability, dan perceived risk. Metode pengumpulan data denganmenggunakan kuesioner serta dilakukan di dua tempat yaitu Kantor Cabang BRI JakartaFatmawati dan Yogya Cik Ditiro.

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ABSTRACT
This study discusses the dimensions of the service and products T-Bank BRI that consideredby customer T- Bank BRI in Jakarta and Yogyakarta. Innovations made by BRI to meet theneeds of its customers is T- Bank BRI. T- Bank BRI is product Branchless Banking thatowned by BRI, financial transaction is done through mobile phone without the customercomes to the bank. Several factors influence the rate of adoption of an innovation such as:type of group, type of decisions, marketing effort, fullfilment of felt need, compatibility,relative advantage, complexcity, observability, triability, and perceived risk. Methods of datacollection using questionnaires and conducted in two places, namely Jakarta Branch OfficeBRI Fatmawati and Cik Ditiro Yogya;This study discusses the dimensions of the service and products T-Bank BRI that consideredby customer T- Bank BRI in Jakarta and Yogyakarta. Innovations made by BRI to meet theneeds of its customers is T- Bank BRI. T- Bank BRI is product Branchless Banking thatowned by BRI, financial transaction is done through mobile phone without the customercomes to the bank. Several factors influence the rate of adoption of an innovation such as:type of group, type of decisions, marketing effort, fullfilment of felt need, compatibility,relative advantage, complexcity, observability, triability, and perceived risk. Methods of datacollection using questionnaires and conducted in two places, namely Jakarta Branch OfficeBRI Fatmawati and Cik Ditiro Yogya, This study discusses the dimensions of the service and products T-Bank BRI that consideredby customer T- Bank BRI in Jakarta and Yogyakarta. Innovations made by BRI to meet theneeds of its customers is T- Bank BRI. T- Bank BRI is product Branchless Banking thatowned by BRI, financial transaction is done through mobile phone without the customercomes to the bank. Several factors influence the rate of adoption of an innovation such as:type of group, type of decisions, marketing effort, fullfilment of felt need, compatibility,relative advantage, complexcity, observability, triability, and perceived risk. Methods of datacollection using questionnaires and conducted in two places, namely Jakarta Branch OfficeBRI Fatmawati and Cik Ditiro Yogya]