Pengaruh Keyakinan dan Kepercayaan Teknologi Terhadap Minat Penggunaan Internet Banking Di Malang: Theory of Reason Action yang Direduksi

Abstract

This research aimed to examine the effect of  technology self efficacy and trust in
technology to intention use internet banking in the Malang using models theory of
reaction action and research of model reduction Selvan et al, (2011). Amount of
the sample is 138 bank customers used internet banking. Results of the analysis
for this model shows that intention to use internet banking is influenced by
technology self efficacy mediated by attitudes toward internet banking, overall
attitude toward service self technologies, and trust in technology. Positive feelings
towards service self technologies and internet banking will indicate how large the
intention of someone to use internet banking. The self efficacy and trust of high
technology can foster positive feelings towards service self technologies and
internet banking so as to encourage the intention of someone to either using the
internet bangking. The results of this research proves that intention to use internet
banking can be described using the theory of reason  action. Therefore, it is
important to the banker authorities to note the level of trust and self efficacy in the
internet banking technology implements as means of payment so as to encourage
the intention of its customers to use internet banking.
Keywords:  Theory of Reaction Action  (TRA),  internet banking, intention,
efficacy, trust, and attitude.