Analisis Penggunaan Aplikasi BJB DIGI Mobile Banking dengan Menggunakan Pendekatan Technology Acceptance Model (TAM)
DOI:
https://doi.org/10.30865/klik.v4i1.1205Keywords:
Bank BJB; BJB DIGI mobile banking; Technology Acceptance Model (TAM)Abstract
Bank BJB is one of the BUMD banks that has developed a mobile banking application system called BJB DIGI where the application can make it easier for Bank BJB customers to carry out financial transactions. However, in the development of this application there are still many deficiencies and the level of doubt of Bank BJB customers to use the application is still high. Therefore, a study was conducted to determine the level of acceptance of the BJB DIGI application at Bank BJB Soreang Branch Office using the TAM theory. This research was conducted using 175 samples who were BJB DIGI users using the snowball sampling technique. The results of this study explain that of the four variables that have the highest average value, there is the intention variable to use BJB DIGI. In addition, the results found that the level of ease of use and usability of BJB DIGI has a significant influence on the intention to use BJB DIGI. Meanwhile, the intention variable to use BJB DIGI was found to have a significant influence on the level of use of BJB DIGI. However, on the other hand, the variable level of ease of use and usability of BJB DIGI was found to have no significant effect on the level of use of BJB DIGI at Bank BJB Soreang Branch Office. Discussion of important research findings is presented in the discussion section of this research.
Downloads
References
A. Nurhasana and A. Frinaldi, “Efektivitas Penggunaan Sistem Aplikasi Otentikasi Penerima Pensiun Pt.Taspen Secara Digital Dengan Menggunakan Smartphone Di Kota Padang,” J. Manaj. dan Ilmu Adm. Publik, vol. 2, no. 3, pp. 16–25, 2020, doi: 10.24036/jmiap.v2i3.180.
K. N. Salam and M. I. Taufik, “The Effect of Perceived Enjoyment on the Decision of Digital Payment Utilization in Millennial Generation,” Hasanuddin Econ. Bus. Rev., vol. 4, no. 2, p. 50, 2020, doi: 10.26487/hebr.v4i2.2442.
M. N. Masrek, M. S. A. Halim, A. Khan, and I. Ramli, “The impact of perceived credibility and perceived quality on trust and satisfaction in mobile banking context,” Asian Econ. Financ. Rev., vol. 8, no. 7, pp. 1013–1025, 2018, doi: 10.18488/journal.aefr.2018.87.1013.1025.
A. B. Nugroho, “Implementasi Aplikasi Mobile Contactless Order oleh Start-Up Mahameru Innovation (Manova) pada Restoran dan Kafe,” JURIKOM (Jurnal Ris. Komputer), vol. 8, no. 6, p. 452, 2021, doi: 10.30865/jurikom.v8i6.3756.
A. Rahman, A. B. Nugroho, S. S. Tindaon, and R. Wijayanti, “Advokasi Model Pemanfaatan E-Commerce Untuk Peningkatan Daya Saing Umkm,” SeTIA Mengabdi - J. Pengabdi. Kpd. Masy., vol. 1, no. 2, pp. 63–69, 2020, [Online]. Available: https://setiamengabdi.stialanbandung.ac.id/index.php/stiamengabdi/article/view/8.
A. Novira, R. Priatna, and H. A. Pradesa, “Pengaruh Dimensi Kualitas Layanan terhadap Kepuasan Pengguna Layanan Kesehatan Puskesmas di Kabupaten Sumedang Tahun 2019,” JEMAP J. Ekon. Manajemen, Akuntansi, dan Perpajak., vol. 3, no. 2, pp. 288–302, 2020.
F. A. T. Andikaputra, W. Yulandary, P. Zulvia, and A. B. Nugroho, “Meninjau Efektivitas Sistem Rely-on Dalam Menunjang Pengelolaan Pelanggan Pada PT . Perusahaan Gas Negara ( PGN ) Area Batam,” J. Manaj. Dan Prof., vol. 3, no. 2, pp. 143–162, 2022.
I. G. N. C. W. Mada and P. Y. A. Putri, “Technology Acceptance Model (Tam) Untuk Menganalisis Penggunaan Online Banking Di Pt Bank Rakyat Indonesia, Tbk. Cabang Gianyar,” Warmadewa Manag. Bus. J., vol. 3, no. 1, pp. 12–18, 2021, doi: 10.22225/wmbj.3.1.2021.12-18.
D. E. Crystle Rampen and J. I. Sihotang, “Analisis Penggunaan Layanan Mobile Banking Terhadap Transaksi Pembayaran Menggunakan Metode Extended TAM,” CogITo Smart J., vol. 7, no. 1, pp. 85–95, 2021, doi: 10.31154/cogito.v7i1.303.85-95.
R. P. Anggraini, N. Mubyarto, and A. Addiarrahman, “Analisis Technology Acceptance Model dan Persepsi Risiko Terhadap Minat Bertransaksi Mobile Banking Nasabah Bank Syariah Indonesia di Kota Jambi,” J. Ilm. Ekon. Islam, vol. 9, no. 1, pp. 1573–1585, 2023.
T. Chaidir, I. Ro’is, and Akhmad Jufri, “Penggunaan Aplikasi Mobile Banking Pada Bank Konvensional dan Bank Syariah di Nusa Tenggara Barat: Pembuktian Model Unified Theory of Acceptance and Use of Technology (UTAUT),” Elastisitas - J. Ekon. Pembang., vol. 3, no. 1, pp. 61–76, 2021, doi: 10.29303/e-jep.v3i1.37.
M. Z. J. Ramadhan and V. S. Asih, “Studi Komparatif: Kualitas Layanan Mobile Banking BRI Syariah dan Bank Syariah Indonesia,” Indones. J. Econ. Manag., vol. 1, no. 3, pp. 578–583, 2021, doi: 10.35313/ijem.v1i3.3492.
M. Musdalifah and E. L. Hadisaputro, “Analisis Kepuasan Pengguna Menggunakan Technology Acceptance Model Pada Aplikasi Dana,” J. Comput. Syst. Informatics, vol. 4, no. 1, pp. 72–78, 2022, doi: 10.47065/josyc.v4i1.2493.
R. H. Aditya, A. Faroqi, and A. Wulansari, “Analisis Penerimaan Pengguna Terhadap Penggunaan Sistem Surat Manajemen Elektronik Menerapkan Model UTAUT,” KLIK Kaji. Ilm. Inform. dan Komput., vol. 3, no. 6, pp. 1040–1048, 2023, doi: 10.30865/klik.v3i6.944.
B. Antaris, A. Faroqi, and A. Wulansari, “Faktor-Faktor Penerimaan Aplikasi Mobile Rumah Sakit Bhayangkara Surabaya Dengan Metode TAM,” KLIK Kaji. Ilm. Inform. dan Komput., vol. 3, no. 6, pp. 843–851, 2023, doi: 10.30865/klik.v3i6.919.
I. H. Nasution and R. Rahmat, “Analysis of Customer Interest Using Soe Bank Mobile Banking With Technology Acceptance Models,” J. Multidisiplin Sahombu, vol. 3, no. 01, pp. 16–23, 2023, doi: 10.58471/jms.v3i01.1598.
R. G. Aqilla and D. Yudiantoro, “Analisis Faktor-Faktor Yang Mempengaruhi Minat Nasabah Menggunakan Layanan Mobile Banking Di Bank Syariah Indonesia Kantor Cabang Pembantu Tulungagung Sudirman,” JIPI (Jurnal Ilm. Penelit. dan Pembelajaran Inform., vol. 8, no. 2, pp. 684–691, 2023, doi: 10.29100/jipi.v8i2.3836.
N. Nurhalima and E. L. Hadisaputro, “Analisis Kepuasan Pengguna Terhadap Aplikasi Traveloka dengan Menerapkan Metode TAM,” J. Inf. Syst. Res., vol. 3, no. 4, pp. 466–471, 2022, doi: 10.47065/josh.v3i4.1778.
D. Aryanti and J. N. Utamajaya, “Persepsi Penggunaan Sistem E-learning menggunakan Technology Acceptance Model (TAM),” JURIKOM (Jurnal Ris. Komputer), vol. 9, no. 2, pp. 479–484, 2022, doi: 10.30865/jurikom.v9i2.4092.
R. T. Anugrah, M. I. Falevi, A. Sunarto, and A. Shar, “Analisis Kualitas Layanan Sistem Informasi Akademik ( SIAKAD ) Terhadap Kepuasan Pengguna Sistem Informasi ( Studi Pada Siakad Uin Fatmawati Sukarno Bengkulu ),” Manag. Stud. Entrep. J., vol. 3, no. 1, pp. 116–126, 2022.
W. A. Winarno, I. Mas’ud, and T. W. Palupi, “Perceived Enjoyment, Application Self-efficacy, and Subjective Norms as Determinants of Behavior Intention in Using OVO Applications,” J. Asian Financ. Econ. Bus., vol. 8, no. 2, pp. 1189–1200, 2021, doi: 10.13106/jafeb.2021.vol8.no2.1189.
G. Satriyono, M. Rukmini, E. S. R. Prastiwi, and N. D. Kristina, “Analisa Kepuasan Pengguna Shopeepaylater Menggunakan Model Delone & Mclean,” Manag. Stud. Entrep. J., vol. 3, no. 5, pp. 2849–2954, 2022.
R. Rahmawati, “Mobile Banking: Analisa Penggunaan Pada Nasabah Pt. Bank Aceh Syariah Cabang Lhokseumawe: Pendekatan Technology Acceptance Model (Tam),” Ihtiyath J. Manaj. Keuang. Syariah, vol. 3, no. 1, pp. 35–52, 2019, doi: 10.32505/ihtiyath.v3i1.1296.
Y. Utomo and D. A. Walujo, “Penerapan Konstruk Technology Acceptance Model (Tam) Pada Layanan Mobile Application Di PDAM Surya Sembada Kota Surabaya,” WAKTU J. Tek. UNIPA, vol. 16, no. 1, pp. 39–48, 2018, doi: 10.36456/waktu.v16i1.1445.
D. Moazenzadeh and H. Hamidi, “Analysis and Development of Technology Acceptance Model in Mobile Bank Field,” Int. J. Eng., vol. 31, no. 9, pp. 1521–1528, 2018, doi: 10.5829/ije.2018.31.09c.07.
M. Mugiarto, I. Agustina, and W. Suryaman, “Adopsi Teknologi Aplikasi Aset Dan Kompetensi Pegawai Dalam Peningkatan Kinerja Pegawai Pengelolaan Barang Milik Negara Di Sopd Kota Cimahi,” Manag. Stud. Entrep. J., vol. 4, no. 5, pp. 4823–4835, 2023.
R. Wandira, A. Fauzi, F. Azim, and F. Annas, “Customer Acceptance Analysis of Islamic Bank of Indonesia Mobile Banking Using Technology Acceptance Model (TAM),” IJIIS Int. J. Informatics Inf. Syst., vol. 5, no. 2, pp. 92–100, 2022, doi: 10.47738/ijiis.v5i2.132.
H. Safitri, D. P. Rakhmadani, and S. D. Alika, “Analisis Penerimaan Penggunaan Aplikasi WeTV di Pulau Jawa Menggunakan Metode Technology Acceptance Model (TAM),” JURIKOM (Jurnal Ris. Komputer), vol. 9, no. 4, pp. 996–1005, 2022, doi: 10.30865/jurikom.v9i4.4557.
F. Arianto, L. H. Susarno, U. Dewi, and A. F. Safitri, “Model Penerimaan dan Pemanfaatan Teknologi: E-learning di Perguruan Tinggi,” J. Teknol. Pendidik., vol. 08, no. 01, pp. 110–121, 2020.
Bila bermanfaat silahkan share artikel ini
Berikan Komentar Anda terhadap artikel Analisis Penggunaan Aplikasi BJB DIGI Mobile Banking dengan Menggunakan Pendekatan Technology Acceptance Model (TAM)
ARTICLE HISTORY
Issue
Section
Copyright (c) 2023 Andi Zhillan Sabtina Syawali, Anggi Syahadat Harahap, Hafid Aditya Pradesa, Fikri Aditya Tri Andikaputra
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).
