Faktor-Faktor Yang Mempengaruhi Nasabah Menggunakan Internet Banking (Studi pada Nasabah Prioritas Deposito Bank Syariah Indonesia KCP Malang Kawi)

Abstract

The provision of services to customers in banking has experienced a very good change in
connection with technological developme nts, where the business strate gy in the banking
world has placed information technology as the main factor in serving its customers.
In formation te chnology advancements hav e alsi s parked innovation in t he service sector,
including banking service . Internet ba nking is a form of electron ic transaction which is a
new form of development of bank service delivery channels which has changed a banking
business strategy that initially relied more on human technology to become information
technology. The purpose of thi s study is to determine the factors that influence customers in
using internet banking. The population of this research is 100 priority customers at Bank
Syariah Indonesia KCP Malang Kawi. While the number of samples obtained 80 priority
cus tomers using pu rposive sampling method. Th is study used the SEM approach with Smart
Partial Least Square (PLS) software version 3.0. The c conclusions that can be drawn based on the test results include the Ease of Use variable, the Risk variable and the Trust variable that have a positive and significant effect on the use of Internet Banking, while the Usefulness variable does not have a positive and significant effect on the use of Internet Banking.