Pengaruh Persepsi Kemanfaatan, Kemudahan Penggunaan, Risiko dan Kesesuaian terhadap Minat Menggunakan Mobile Banking (Studi pada PT BRI (Persero) Tbk Cabang Brigjend Katamso Medan)

Abstract

With the era development, in this time being, there has been presented banking service which is called mobile banking. Basically, the users of the mobile banking have so many reasons with their own standard for using this fiture. The standard can be as the usefulness, the easiness of using, the risks and the appropriate against the mobile banking. This research intends to know the influence perception of usefulness, the easiness of using, the risks and the appropriate against the desire to use mobile banking at PT. Bank Rakyat Indonesia Cabang Brigjend Katamso Medan. The easiness in transaction, the effition, and the time effective in banking activities usually become consideration and the standard against the desire of using mobile banking. The population of this research is the users of the mobile banking at PT. Bank Rakyat Indonesia Cabang Brigjend Katamso Medan. As the samples who take this way, there are 82 respondens with the sampling techniques. They use purposive sampling data collection can be done by giving questioners to the respondences who use the mobile banking at PT. Bank Rakyat Indonesia Cabang Brigjend Katamso Medan. The results of research use partial significant test (uji t) show that the perceptions of the meaningfulness, the easiness, the risk and the appropriate influence positively against desire to use mobile banking. But the most influence in this way is the perception of the easiness using with the significant points (0,000) < 0,05 and point t count (4,423) > t table (1,98). Based on the counting with the determination coefficience is got R 0,416 (41,6%) which shows that the corelation among the perception of : the meaningfulness, the easiness, the risk and the appropriate can’t be separated or good enough. The point of adjusted R Square is 0,416 show that 41,6% variable of desire use of mobile banking can be explained by the variable of the meaningfulness, the easiness, the risks and the appropriate.