Authors :
Busrin Raihana Masud; Darwis; Syamsuddin; Mediaty
Volume/Issue :
Volume 7 - 2022, Issue 3 - March
Google Scholar :
https://bit.ly/3IIfn9N
Scribd :
https://bit.ly/3xwXjgN
DOI :
https://doi.org/10.5281/zenodo.6464878
Abstract :
The implementation of the banking sector is
expected to increase the adoption of e-banking as
digitalization of banking activities from the perspective
of users, namely customers and employees at Bank BNI
46 so as to increase the productivity of bank
performance as meeting customer needs, work quality,
and service quality. This study was conducted with the
aim of knowing the factors that influence the adoption
of e-banking as an intervening variable between
integrated information systems, technological
innovation, ease of use, and attitudes towards bank
performance in terms of the perspective of e-banking
application users.The unit of analysis of this research is
the banking industry. The banking company used as the
object of research is Bank BNI 46 Parepare Branch.
The method of data collection was carried out by survey
or self-management as the primary data collection
method by giving questionnaires to respondents using
the purposive sampling technique. The questionnaires
distributed were 220 samples to e-banking users,
namely employees and permanent customers of Bank
BNI 46 Parepare Branch who actively use e-banking
system applications (ATM, Mobile Banking, SMS
Banking, and Internet Banking). The population of 152
samples consisted of customers and bank employees
through the google form media which was a bit difficult
to reach due to the covid-19 pandemic. Data were
analyzed using SEM from the PLS 3.0 platform. The
results of the study with a significance of 5% showed a
significant effect that integrated information systems,
ease of use, and attitudes towards e-banking adoption.
While the technological innovation variable has no
significant effect on the adoption of e-banking. The
adoption of the e-banking system as an intervening
variable has a positive and significant effect on banking
performance. This research is supported by the theory
(TOE) Technology, Organization, Environment and
(TAM) Theory Technology Acceptance Model which
theoretically can provide evidence on the factors that
influence the adoption of e-banking from the
perspective of users in terms of technology,
organization, and environment.
Keywords :
Integrated information systems; technological innovation; perceived ease of use; attitudes; e-banking adoption.
The implementation of the banking sector is
expected to increase the adoption of e-banking as
digitalization of banking activities from the perspective
of users, namely customers and employees at Bank BNI
46 so as to increase the productivity of bank
performance as meeting customer needs, work quality,
and service quality. This study was conducted with the
aim of knowing the factors that influence the adoption
of e-banking as an intervening variable between
integrated information systems, technological
innovation, ease of use, and attitudes towards bank
performance in terms of the perspective of e-banking
application users.The unit of analysis of this research is
the banking industry. The banking company used as the
object of research is Bank BNI 46 Parepare Branch.
The method of data collection was carried out by survey
or self-management as the primary data collection
method by giving questionnaires to respondents using
the purposive sampling technique. The questionnaires
distributed were 220 samples to e-banking users,
namely employees and permanent customers of Bank
BNI 46 Parepare Branch who actively use e-banking
system applications (ATM, Mobile Banking, SMS
Banking, and Internet Banking). The population of 152
samples consisted of customers and bank employees
through the google form media which was a bit difficult
to reach due to the covid-19 pandemic. Data were
analyzed using SEM from the PLS 3.0 platform. The
results of the study with a significance of 5% showed a
significant effect that integrated information systems,
ease of use, and attitudes towards e-banking adoption.
While the technological innovation variable has no
significant effect on the adoption of e-banking. The
adoption of the e-banking system as an intervening
variable has a positive and significant effect on banking
performance. This research is supported by the theory
(TOE) Technology, Organization, Environment and
(TAM) Theory Technology Acceptance Model which
theoretically can provide evidence on the factors that
influence the adoption of e-banking from the
perspective of users in terms of technology,
organization, and environment.
Keywords :
Integrated information systems; technological innovation; perceived ease of use; attitudes; e-banking adoption.
