Analisis Kesuksesan Implementasi M-Banking dengan Integrasi Framework Diffusion of Innovation dan Service Convenience: Berdasarkan Pengalaman Mahasiswa Universitas Sumatera Utara

Abstract

This study aims to measure the influence of relative advantage, compatibility, complexity, trialability, observability, decision convenience, access convenience, transaction convenience, benefit convenience, and post-benefit convenience on the success of m-banking implementation among USU students. This research was conducted through questionnaire distribution and sample collection using accidental sampling method. The population in this study was USU students, with a sample size of 408 students. The type of data used was primary data. Data analysis techniques included descriptive statistical analysis and PLS-SEM analysis using Microsoft Excel and smartPLS software. The results of this study indicate that relative advantage, compatibility, trialability, observability, decision convenience, access convenience, transaction convenience, benefit convenience, and post-benefit convenience have a positive and significant impact on the success of m-banking implementation among USU students. Complexity does not influence the success ofm-banking implementation among USU students. The diffusion of innovation theory framework can be integrated with the service convenience framework.