The Analysis of Factors Affecting Customers’ Intention to Use E-Money: Case Study on Customers of Bank Mandiri in Jakarta


Authors : Arnold Putra Christover, Har Adi Basri

Volume/Issue : Volume 4 - 2019, Issue 8 - August

Google Scholar : https://goo.gl/DF9R4u

Scribd : https://bit.ly/2NrtVBB

This research aims to test and analyze the factors affecting Customers’ Intention to Use E-Money, which consist of 7 (seven) variables such as Security, Usefulness, Ease of Use, Compatibility, Bank Credibility, Cost and Self-efficacy. The data used is attained through questionnaire distributed to customers of Bank Mandiri in Jakarta Area (Cikini, Gondangdia, and Menteng) from March to May 2019. The sampling method used is purposive sampling in which there are particular criteria set by the researcher. There are 285 samples that fit into the criteria. Data was analyzed using path analysis with software SPSS 25.0. The result shows that in partial Security, Usefulness, Ease of Use, Compatibility, Bank Credibility, Cost, and Self-efficacy significantly affects Intention to Use E-Money. This implicates that Bank Mandiri is suggested to have representative figures that are able to represent positive image on E-Money. It is also suggested that Bank Mandiri needs to promote E-Money with digital marketing through internet or online media that is presented in an informative, creative way and is able to be spread in a modern way. Besides that, the next researcher is recommended to analyze other factors such as The Image of E-Money; whether E-Money has become the top of mind in the society.

Keywords : Security, Usefulness, Ease of Use, Compatibility, Bank Credibility, Cost, Self-efficacy, Technology Acceptance Model (TAM)

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Paper Submission Last Date
31 - August - 2022

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