Sihotang, Ellen Theresia and Murdiawati, Dewi (2022) Acceptance of Internet Banking Services: The Role of Demographic Factors as Moderating Variables. Jurnal Ekonomi dan Bisnis, 25 (1). pp. 153-176. ISSN 2528 - 0147
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Abstract
Understanding the percentage of internet banking service usage, that is inferior to the percentage of mobile banking usage, has been important to observe factors affecting behavioral intention to use internet banking. The purpose of this study is to analyze the determinants of internet banking usage by applying demographics as a moderator of intentional behavior to design the internet banking marketing strategies based on customer needs and wants. This study employs a judgment sampling technique with a sample size of 282 respondents processed by SPSS 23 and WarpPLS 6.0. The factors affecting the use of internet banking services are perceived usefulness, perceived ease of use, as well as perceived security and privacy. However, demographic elements variables (gender, age and education level) are the moderation of perceived security and privacy on behavioral intentions in using internet banking. In addition, men are more focus to on security and privacy than women. Moreover, older people are more concern with considering security and privacy more than younger people. Undergraduate/postgraduate and non-graduate people consider safety and privacy. The implication of this study is to improve the security system and determine the target market of internet banking by considering demographic elements factors as a the strategy to maintain and to as well as increase the use of internet banking. Keywords: Internet banking, demographics, gender, age, security, privacy
| Item Type: | Article |
|---|---|
| Subjects: | 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS > 332.12 - BANKS & BANKING |
| Divisions: | Lecturer |
| Depositing User: | Perpustakaan Universitas Hayam Wuruk Perbanas |
| Date Deposited: | 06 Sep 2022 04:56 |
| Last Modified: | 16 Sep 2022 08:18 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/4390 |
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