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"Perkembangan teknologi dalam industri finansial khususnya jasa perbankan telah mengalami perkembangan dari Automated Teller Machines (ATMs), Telephone Banking, Internet Banking, dan yang paling terbaru adalah Mobile Banking. Adapun ditemukan faktor yang mempengaruhi seseorang dalam menggunakan mobile banking karena manfaat yang dirasakan, kredibilitas, dan biaya pengadopsian mobile banking itu sendiri. Dari pihak Bank di Indonesia juga menekankan untuk menggunakan mobile banking untuk mengurangi adanya transaksi di ATM karena pemeliharaan ATM yang tergolong memakan biaya. Perkembangan pesat teknologi dalam industry finansial juga dipengaruhi oleh saluran komunikasi yang berfungsi untuk memasarkan fungsi dan manfaat mobile banking tersebut. Adapun saluran yang diteliti terfokus pada media masa, media sosial, dan komunikasi interpersonal. Penelitian ini menggunakan metode primer dengan mengumpulkan kuesioner dan metode sekunder dengan studi literatur. Hasil temuan yang didapatkan adalah responden mengadopsi mobile banking karena adanya manfaat yang dirasakan. Untuk media komunikasi yang terbukti memiliki pengaruh adalah komunikasi interpersonal dan media massa yang dapat mempengaruhi keputusan seseorang dalam mengadopsi mobile banking.

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Technological developments in the financial industry, especially banking has evolved from Automated Teller Machines (ATMs), Telephone Banking, Internet Banking, and the latest is the Mobile Banking. The factors that influence a person is found in the use of mobile banking because of the perceived useefulness, credibility, and the cost of mobile banking adoption itself. From the Bank in Indonesia also emphasized to use mobile banking to reduce their ATM transactions for ATM maintenance are classified as costly.

The rapid development of technology in the financial industry is also affected by the communication channels used to market the functions and benefits of mobile banking. The channel under study focused on the mass media, social media, and interpersonal communication.

This study uses primary methods by collecting questionnaires and secondary methods to the study of literature. The findings obtained are adopting mobile banking respondents for their perceived usefulness. For the communication medium is shown to have influence interpersonal communication and mass media that can influence a person's decision in adopting mobile banking."

"Penelitian ini bertujuan untuk menganalisis faktor perspektif individu di Indonesia untuk mengadopsi aplikasi mobile banking. Model dibangun dengan mengadopsi teori model E-Government Adoption Model dan Customer Relationship Management. Penelitian ini menggunakan pendekatan kuantitatif dengan kuesioner online yang melibatkan 444 responden pengguna aplikasi mobile banking di Indonesia. Pengolahan data dilakukan menggunakan Covariance-Based Structural Equation Modeling dengan aplikasi IBM AMOS versi 26. Hasil penelitian menunjukkan faktor Health Consciousness, Availability of Resources, Personal Innovativeness dan Perceived Information Quality memengaruhi adopsi aplikasi mobile banking di tahap statis. Selain itu, ditemukan suatu tahapan dapat memengaruhi secara positif tahapan lainnya dalam mengadopsi aplikasi mobile banking. Penemuan penelitian diharapkan dapat membantu tim pengembang aplikasi untuk mempertimbangkan pengembangan fitur yang mendukung setiap tahapan penggunaan. Selain itu, dapat mendorong regulator mempersiapkan peraturan yang mendukung pengembangan.

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Purpose: This study aims to analyze the individual perspective factors in Indonesia to adopt mobile banking (m-banking) applications. The model was built by adopting the theory of the e-government adoption model and customer relationship management. Design/methodology/approach: This study uses a quantitative approach with an online questionnaire involving 444 respondents who use m-banking applications in Indonesia. Data are processed using covariance-based structural equation modeling. Findings: The results showed that health consciousness, availability of resources, personal innovativeness and perceived information quality factors influenced the adoption of mobile banking applications in the static stage. In addition, this study found that one adoption stage could positively impact another adoption stage in adopting mbanking applications. Research limitations/implications: The research findings are expected to help the mbanking application development team consider developing features that support each adoption stage. Originality/value: This study fills in the gap to analyse the individual perspective of behavior, culture, and organization to adopt m-banking applications in three stages, namely, static, interaction and transaction stages."

"Penelitian ini bertujuan untuk menganalisis faktor perspektif individu di Indonesia untuk mengadopsi aplikasi mobile banking. Model dibangun dengan mengadopsi teori model E-Government Adoption Model dan Customer Relationship Management. Penelitian dilakukan menggunakan pendekatan kuantitatif didukung oleh kuesioner penelitian yang disusun dengan indikator untuk setiap faktor yang terlibat dalam skala likert dan dilengkapi dengan pertanyaan seputar demografi. Survei dilakukan kepada 444 responden pengguna aplikasi mobile banking di Indonesia. Pengolahan data dilakukan menggunakan Covariance-Based Structural Equation Modeling dengan aplikasi IBM® SPSS® AMOS versi 26. Hasil penelitian menunjukkan faktor Health Consciousness, Availability of Resources, Personal Innovativeness dan Perceived Information Quality memengaruhi adopsi aplikasi mobile banking di tahap statis. Selain itu, ditemukan suatu tahapan dapat memengaruhi secara positif tahapan lainnya dalam mengadopsi aplikasi mobile banking. Penemuan penelitian diharapkan dapat membantu tim pengembang aplikasi untuk mempertimbangkan pengembangan fitur yang mendukung setiap tahapan penggunaan. Selain itu, dapat mendorong regulator mempersiapkan peraturan yang mendukung pengembangan.

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This study aims to analyze the individual perspective factors in Indonesia to adopt mobile banking applications. The model is built by adopting the E-Government Adoption Model and Customer Relationship Management Model. The research was conducted using a quantitative approach supported with a research questionnaire which consists of indicators for each factor involved in a likert scale and supplemented with demographic questions. The survey was conducted on 444 respondents who use mobile banking applications in Indonesia. Data processing was carried out with Covariance-Based Structural Equation Modeling method using IBM® SPSS® AMOS versi 26. The results show that the factors of Health Consciousness, Availability of Resources, Personal Innovativeness and Perceived Information Quality influenced the adoption of mobile banking adoption at static stage. In addition, it was found that one stage could positively influence other stage in adopting mobile banking applications. The research findings are expected to help the application development team to consider developing features that support each stage of usage. Furthermore, it can encourage regulators to prepare regulations that support development."

"Mobile Banking merupakan produk perbankan yang menawarkan kemudahan bertransaksi perbankan dimanapun tanpa harus repot pergi dan mengantri pada kantor cabang atau atm,ini yang mempengaruhi minat nasabah terhadap produk tersebut . Penelitian ini bertujuan untuk mengetahui pengaruh Perceived Usefulness, Perceived ease of use, Perceived Credibility, Compatibility, Perceived Cost, Risk dan Trust terhadap behavioral intention untuk menggunakan layanan mobile banking. Jenis penelitian adalah kuantitatif dengan metode Structural Equation Model (SEM). Hasil penelitian yang telah dilakukan menunjukkan bahwa adanya pengaruh perceived usefulness dan Compatibility terhadap behavioral intention mengadopsi layanan mobile banking. Dan tidak terdapat pengaruh langsung perceived ease of use, Trust dan Credibility terhadap behavioral intention untuk mengadopsi layanan mobile banking.

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Mobile banking is a banking product that offer a way for banking customer to do transactions without actually coming to the bank, therefore customer is attracted to use the service as the easiest way to do transactions.The purpose of this research is investigate the effect of Perceived ease of use, Perceived Credibility, Compatibility, Perceived Cost , Risk dan Trust. To behavioral intention to use mobile banking service in customer. This is a quantitative research using structural equation modeling method. The result shown that there's an relationship between perceive usefulness and compatibility to behavioral intention using mobile banking service. On the other hand, there's no relationship shown between perceive of use, trust, and credibility to behavioral intention using mobile banking service."

"Penelitian ini bertujuan untuk menganalisa faktor-faktor yang mempengaruhi adopsi mobile banking di Indonesia. Model konseptual yang digunakan ada replikasi dari penelitian sebelumnya, menggabungkan model Task Technology Fit (TTF) dan Unified Theory of Acceptance and Use of Technology (UTAUT). Untuk menguju korelasi dari variabel yang digunakan, penelitian ini menggunakan partial least square structural equation modelling (PLS-SEM). Ada delapan variabel yang digunakan dalam penelitian ini: Task Characteristics, Technology Characteristics, Task Technology Fit, Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, dan User Adoption. Data yang diperoleh oleh online survei sebanyak 301 respon. Responden dipilih berdasarkan pengalaman mereka dalam menggunakan mobile banking. Hasil penelitian menunjukkan bahwa Task Characteristics, Technology Characteristics, Task Technology Fit, Performance Expectancy, Effort Expectancy, Social Influence, dan Facilitating Conditions memiliki pengaruh positif dalam adopsi mobile banking di Indonesia

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This research aims to analyse the factors that are affecting the adoption of mobile banking in Indonesia. The conceptual model is replicated from previous research, combining the Task Technology Fit (TTF) and Unified Theory of Acceptance and Use of Technology (UTAUT) model. To test the correlation of the variables used, this research is using partial least square structural equation modelling (PLS-SEM). There are eight variables used in this research: Task Characteristics, Technology Characteristics, Task Technology Fit, Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, and User Adoption. There are 301 responses collected for the data analysis using online surveys. The respondents are selected based on their previous experience in using mobile banking. The result of the research revealed that Task Characteristics, Technology Characteristics, Task Technology Fit, Performance Expectancy, Effort Expectancy, Social Influence, and Facilitating Conditions have a positive effect towards mobile banking adoption in Indonesia."

"Industri perbankan menjadi salah satu sektor yang memimpin dalam penggunaan teknologi informasi. Salah satunya adalah layanan keuangan digital dalam bentuk aplikasi mobile banking. Penelitian ini bertujuan untuk mengetahui pengaruh aplikasi mobile banking terhadap profitabilitas perbankan Indonesia. Penelitian ini menggunakan data panel dari 12 bank di Indonesia yang sudah memiliki aplikasi mobile banking dan diolah menggunakan metode random effect model selama periode 2006-2013. Hasil penelitian menunjukkan bahwa aplikasi mobile banking memiliki hubungan positif dengan profitabilitas tetapi tidak signifikan. Hubungan positif ini dapat mendorong perbankan untuk menghadirkan keuangan inklusif melalui layanan keuangan digital di Indonesia.

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The banking industry has become one of the leading sectors in using the information technology; or instance digital finance service in the form of mobile banking application. This study discusses the impact of mobile banking application on Indonesian banking profitability. The study used panel data of 12 banks in Indonesia which have mobile banking application and was processed using the random effect model within the 2006 to 2013 period. The results show that the mobile banking application has a positive relationship with profitability although not significant. This positive relationship can encourage banks to enhance their profitability performance, since it may increase people participation in banking and financial systems."

"Pengadopsian layanan Mobile Banking semakin berkembang pesat di Indonesia, namun dengan semakin banyaknya pengguna layanan tersebut maka semakin banyak pula pengguna layanan yang terpapar risiko-risiko dalam penggunaan layanan Mobile Banking. Sehingga, dengan semakin banyaknya pengguna layanan maka semakin penting bagi Bank Umum untuk menerapkan Prinsip Kehati-hatian dalam menyediakan layanan Mobile Banking. Berdasarkan hal tersebut, Penulis mengangkat dua pokok permasalahan yaitu bagaimana pengaturan dan praktik Prinsip Kehati-hatian dalam penyediaan layanan Mobile Banking oleh Bank X. Tujuan daripada penelitian ini adalah untuk mengetahui dan menganalisis pengaturan dan praktik Prinsip Kehati-hatian dalam penyediaan layanan Mobile Banking oleh Bank Umum. Lebih lanjut, Penelitian ini menggunakan metodologi yuridis-normatif dengan tipologi penelitian deskriptif analitis. Kesimpulan yang didapat adalah: 1) Pengaturan terkait Prinsip Kehati-hatian dalam penyediaan layanan Mobile Banking secara garis besar dapat ditemukan pada PBI Nomor 23/6/PBI/2021 Tahun 2021 tentang Penyedia Jasa Pembayaran, PBI Nomor 22/20/PBI/2020 Tahun 2020 tentang Perlindungan Konsumen Bank Indonesia, dan POJK Nomor 55/POJK.03/2016 Tahun 2016 tentang Penerapan Tata Kelola Bagi Bank Umum, dan 2) praktik Prinsip Kehati-hatian pada Bank X telah dilaksanakan melalui Good Corporate Governance, Manajemen Risiko, dan Perlindungan Konsumen sesuai dengan peraturan perundang-undangan. Penulis memberikan saran bahwa dalam hal penyediaan layanan Mobile Banking, Bank Indonesia selaku pengawas dan regulator di bidang Sistem Pembayaran sebaiknya lebih gencar untuk memperbarui pengaturan terkait Mobile Banking dan juga lebih giat melakukan sosialisasi terkait kejahatan-kejahatan dalam penyediaan layanan Mobile Banking.

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The adoption of Mobile Banking services is growing rapidly in Indonesia, but with the increasing number of service users, more users are exposed to risks in using Mobile Banking services. Thus, with the increasing number of service users, it is increasingly important for Commercial Banks to apply the Prudential Principle in providing Mobile Banking services. Based on this, the author raises two main issues, namely how is the regulation and practice of the Prudential Principle in the provision of Mobile Banking services by Commercial Banks. The purpose of this research is to find out and analyze the regulation and practice of the Prudential Principle in the provision of Mobile Banking services by Bank X. Furthermore, this study utilizes a juridical-normative methodology with a descriptive analytical research typology. The conclusions drawn are: 1) Regulations related to the Prudential Principle in providing Mobile Banking services in general can be found in PBI Number 23/6/PBI/2021 of 2021 on Payment System Service Providers, PBI Number 22/20/PBI/2020 of 2020 on Bank Indonesia Consumer Protection, and POJK Nomor 55/POJK.03/2016 Tahun 2016 on Implementation of Governance for Commercial Banks and 2) The practice of Prudential Principles at Bank X has been implemented through good corporate governance, risk management and consumer protection which is in accordance with the laws and regulation. The author suggests that in terms of providing Mobile Banking services, Bank Indonesia as the supervisor and regulator in the field of Payment Systems should be more active in updating regulations related to Mobile Banking and also be more active in socializing information related to crimes in the provision of Mobile Banking services.

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"Penelitian ini bertujuan untuk menganalisis faktor-faktor perilaku keamanan yang memengaruhi niat penggunaan aplikasi mobile banking di Indonesia. Model dibangun dengan mengadopsi teori Technology Threat Avoidance dan self-efficacy. Penelitian dilakukan menggunakan pendekatan kuantitatif didukung oleh kuesioner penelitian yang disusun dengan indikator untuk setiap faktor yang terlibat dalam skala Likert dan dilengkapi dengan pertanyaan seputar demografi. Survei dilakukan kepada 2.030 responden pengguna aplikasi mobile banking di Indonesia. Pengolahan data dilakukan menggunakan Covariance-Based Structural Equation Modeling dengan aplikasi IBM® SPSS® AMOS versi 26. Hasil penelitian menunjukkan faktor mastery experience, emotional state, verbal persuasion, dan safeguard effectiveness memengaruhi avoidance motivation dalam penggunaan mobile banking. Privacy juga ditemukan memengaruhi avoidance motivation dan avoidance behavior dalam penggunaan mobile banking. Avoidance motivation ditemukan memengaruhi avoidance behavior di mana selanjutnya memengaruhi intention to use dalam penggunaan mobile banking. Penelitian ini dapat menjadi tambahan kajian studi berikutnya terkait perilaku keamanan pengguna dalam penggunaan aplikasi mobile banking. Penemuan penelitian diharapkan dapat membantu penyedia layanan mobile banking untuk mengembangkan dan menerapkan kontrol keamanan informasi yang efektif pada mobile banking sesuai dengan perilaku penggunanya.

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This research aims to analyze security behavioral factors that influence the intention to use mobile banking applications in Indonesia. The model was built by adopting Technology Threat Avoidance Theory and Self-Efficacy Theory. The research was conducted using a quantitative approach supported by a research questionnaire prepared with indicators for each factor involved on a Likert scale and equipped with questions about demographics. The survey was conducted with 2.030 respondents who use mobile banking applications in Indonesia. Data processing was carried out using Covariance-Based Structural Equation Modeling with the IBM® SPSS® AMOS version 26 application. The research results showed that the factors mastery experience, emotional state, verbal persuasion, and safeguard effectiveness influenced avoidance motivation in using mobile banking. Privacy was also found to influence avoidance motivation and avoidance behavior in using mobile banking. Avoidance motivation was found to influence avoidance behavior which in turn influenced intention to use mobile banking. This research can be an addition to future studies regarding user security behavior when using mobile banking applications. The research findings are expected to help mobile banking service providers to develop and implement effective information security controls on mobile banking according to user behavior."

"Penelitian ini bertujuan untuk menganalisis pengaruh faktor-faktor yang terkait dengan penerimaan dan penggunaan teknologi terhadap behavioural intention dan use behaviour layanan mobile banking. Pada penelitian ini digunakan modifikasi dari Theory of Acceptance and Use of Technology (meta-UTAUT) dengan variabel utama berupa performance expectancy, effort expectancy, social influence, facilitating conditions dan attitude, serta memasukkan variabel personal innovativeness, anxiety, trust, dan grievance redressal, dan juga menambahkan perceived risk sebagai faktor eksternal.Metode sampling yang digunakan adalah convenience sampling dari pendekatan nonprobability sampling dengan survei yang dilakukan melalui penyebaran kuesioner terhadap 258 responden, yang merupakan nasabah bank, memiliki aplikasi mobile banking pada smartphone, dan sudah biasa menggunakan aplikasi tersebut. Pengolahan data menggunakan Structural Equation Modelling (SEM) dengan melakukan tahapan pengukuran dan pengujian hipotesis yang diajukan. Berdasarkan hasil analisis ditemukan bahwa performance expectancy memiliki pengaruh positif pada use behaviour dan pada pembentukan sikap pengguna bersama-sama dengan trust. Social influence, facilitating conditions, dan attitude terbukti memiliki pengaruh positif secara signifikan padabehavioural intention. Dari hasil penelitian dapat disimpulkan bahwa niat perilaku dan perilaku penggunaan terkait layanan mobile banking dapat dipengaruhi oleh faktor-faktor yang terkait dengan pengaruh sosial, kondisi internal dan kebutuhan pengguna, serta sangat didukung oleh ekspektasi kinerja dan kondisi yang memfasilitasi layanan mobilebanking.

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This study aims to analyse the influence of factors related to the acceptance and use of

technology on the behavioural intention and use behaviour of mobile banking services.

This study used a modification of the Theory of Acceptance and Use of Technology

(meta-UTAUT) with the main variables in the form of performance expectancy, effort

expectancy, social influence, facilitating conditions and attitude, as well as including

personal innovativeness, anxiety, trust, and grievance redressal variables, and also added

perceived risk as an external factor. The sampling method used was convenience

sampling from a non-probability sampling approach with a survey conducted by

distributing questionnaires to 258 respondents, who are bank customers, have a mobile

banking application on their smartphone, and are used to using the application. Processing

of data using Structural Equation Modeling (SEM) by measuring and testing the proposed

hypothesis. Based on the results of the analysis, it was found that performance expectancy

has a positive influence on use behaviour and on the formation of user attitude together

with trust. Social influence, facilitating conditions, and attitude are proven to have a

significant positive effect on behavioural intention. From the results of the study, it can

be concluded that behavioural intentions and use behaviour related to mobile banking

services can be influenced by factors related to social influences, internal conditions and

user needs, and are strongly supported by performance expectations and conditions that

facilitate mobile banking services."

"Perkembangan teknologi mengakibatkan munculnya satu tren terbaru dalam dunia perbankan, yakni digital banking. Salah satu model pemanfaatan digital banking adalah dengan menggunakan channel mobile, atau dikenal dengan mobile banking. Definisi mobile banking pada penelitian ini adalah layanan atau aplikasi perbankan berbasis perangkat mobile untuk menjalankan berbagai transaksi finansial. Saat ini, mobile banking telah banyak ditawarkan oleh perbankan di Indonesia sebagai salah satu layanan perbankan mereka. Penelitian ini bertujuan untuk meneliti faktor-faktor yang memengaruhi nasabah perbankan Indonesia dalam menerima layanan mobile banking. Model penelitian dirancang dengan menggunakan beberapa teori penerimaan, yakni Technology Acceptance Model TAM, Unified Theory of Acceptance and Use of Technology UTAUT, Internet Banking Usage Model IBUM dan DeLone and McLean Information System Success Model, serta beberapa penelitian sebelumnya yang relevan. Metode pengolahan data dilakukan dengan pendekatan Structural Equation Modeling SEM menggunakan bantuan perangkat lunak AMOS v22 sebagai. Proses pengumpulan data memperoleh responden penelitian sebanyak 441 responden, dimana data yang valid sebanyak 440 data. Berdasarkan hasil pengolahan dan analisis data, terdapat empat faktor yang secara memengaruhi niat untuk menggunakan mobile banking. Keempat faktor tersebut adalah perceived risk, compatibility, perceived usefulness dan service quality.

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The development of technology resulting in a new trend in the banking industry, digital banking. One way to utilize digital banking is by using the mobile channel, known as mobile banking. The definition of mobile banking in this research is a mobile based banking application or service that enable any financial transaction through it. Nowadays, a lot of Indonesian bank already provide mobile banking as one of their banking service.

This research purpose is to analyse the factors that influencing Indonesian banking customer to accept mobile banking service. Research model are built from several acceptance theories, the theories are Technology Acceptance Model TAM, Unified Theory of Acceptance and Use of Technology UTAUT, Internet Banking Usage Model IBUM dan DeLone and McLean Information System Success Model, also by adding the past relevant researchs.

The data processing method are conducted by using Structural Equation Modeling approach with AMOS v22 software as its tool. The data collecting process successfully collected data from 441 respondents, with the total of valid data are 400 datas. According to the result of data processing and analysis, there are four factors that influence the intention to use. The factors are perceived risk, compatibility, perceived usefulness and service quality."