FAKTOR-FAKTOR YANG MEMPENGARUHI NIAT BELI EMAS MELALUI MOBILE BANKING
Abstract
Tujuan: Tujuan dari penelitian ini adalah untuk menguji pengaruh Persepsi Kegunaan, Persepsi Kemudahan, Sikap, Pengetahuan Produk, Kepercayaan, dan Persepsi Resiko terhadap Niat nasabah pengguna BSI mobile untuk membeli emas online di Bank Syariah Indonesia. Penelitian ini secara khusus mengkaji niat beli emas online di mobile banking. Metode: jenis penelitian kuantitatif dan data dikumpulkan dari 218 nasabah Bank Syariah Indonesia di Kota Palembang menggunakan survei online dan offline. Analisis data: Model persamaan struktural (SEM). Hasil dan diskusi: Studi ini menemukan peran pengetahuan produk dan persepsi risiko berpengaruh signifikan terhadap Niat nasabah pengguna mobile banking untuk membeli emas online di aplikasi mobile banking. Persepsi Kegunaan dan Persepsi Kemudahan berpengaruh signifikan terhadap Sikap. Kesimpulan: Penelitian ini hanya menyelidiki niat membeli emas sebagai salah satu jenis investasi emas secara online di aplikasi mobile banking. Studi ini berkontribusi pada literatur dengan memeriksa peran Persepsi Kegunaan, Persepsi Kemudahan, Sikap, Pengetahuan Produk, Kepercayaan, dan Persepsi Resiko terhadap Niat nasabah pengguna mobile banking untuk berinvestasi emas melalui aplikasi. Hasil penelitian ini menyoroti kebutuhan bank syariah untuk mengedukasi nasabah untuk meningkatkan pengetahuan produk deposan karena risiko dan persepsi nilai dan niat nasabah muslim sangat dipengaruhi oleh pengetahuan produk.
Keywords
Full Text:
PDFReferences
Jurnal dan lainnya
Abbasi, E., Bastan, M., & Ahmadvand, A. M. (2016, January). A system dynamics model for mobile banking adoption. In 2016 12th International Conference on Industrial Engineering (ICIE) 2(1), 1-9.
Aboelmaged, M. G., & Gebba, T. R. (2013). mobile banking Adoption : An Exaniation of Technology Acceptance Model and Theory of Planned Behavior. 2(1), 35–50.
Aghekyan-Simonian, M., Forsythe, S., Kwon, W. S., & Chattaraman, V. (2012). The role of product brand image and online store image on perceived risks and online purchase intentions for apparel. Journal of Retailing and Consumer Services, 19(3), 325-331.
Ahmed, N. O. A. (2016). Factors influencing customers to use e-banking in Kingdom of Saudi Arabia. IJaber, 14(1), 6703–6724.
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211.
Ajzen, I; Thomas J Madden (1986). Prediction of goal-directed behavior: Attitudes, intentions, and perceived behavioral control. , 22(5), 0–474.
Al-Jabri, I. M. (2015). The intention to use mobile banking: Further evidence from Saudi Arabia. South African Journal of Business Management, 46(1), 23–34.
Al-Jabri, I. M., & Sohail, M. S. (2012). mobile banking adoption: Application of diffusion of innovation theory. Journal of Electronic Commerce Research, 13(4), 379–391.
Aziz, S., Md Husin, M., Hussin, N., & Afaq, Z. (2019). Factors that influence individuals’ intentions to purchase family takaful mediating role of perceived trust. Asia Pacific Journal of Marketing and Logistics, 31(1), 81–104.
Banerjee, S. and Sreejesh, S. (2022), "Examining the role of customers' intrinsic motivation on continued usage of mobile banking: a relational approach", International Journal of Bank Marketing, Vol. 40 No. 1, pp. 87-109.
Brun, I., & Cloutier-bilodeau, C. (2021). Not all elderly are the same : fostering trust through mobile banking service experience. 39(1), 85–106.
Chau, P. Y., & Hu, P. J. H. (2001). Information technology acceptance by individual professionals: A model comparison approach. Decision sciences, 32(4), 699-719.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339.
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), 982–1003.
Esmaeili, A., Haghgoo, I., Davidaviciene, V., & Meidute-kavaliauskiene, I. (2021). Customer Loyalty in mobile banking : Evaluation of Perceived Risk , Relative Advantages , and Usability Factors. 32(1), 70–81.
Fadila, D., Sastrawinata, H., Badri, M., Anggoroseto, A., Fadzli, M., & Ankus, T. A. (2022). Factors Affecting Customer Adoption to mobile banking Service. 641, 163–167.
Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in Online Shopping: An Integrated Model. MIS Quarterly, 27(1), 51–90.
Grewal, D., Gotlieb, J., & Marmorstein, H. (1994). The moderating effects of message framing and source credibility on the price-perceived risk relationship. Journal of consumer research, 21(1), 145-153.
Hill, H., & Lynchehaun, F. (2002). Organic milk: attitudes and consumption patterns. British Food Journal, 104(7), 526-542.
Kaplan, L. B., Szybillo, G. J., & Jacoby, J. (1974). Components of perceived risk in product purchase: A cross-validation. Journal of Applied Psychology, 59(3), 287–291.
Laukkanen, T. (2008). mobile banking innovators and early adopters : How they differ from other online users ? 13, 86–94.
Lee, J., & Chen, X. (2022). Exploring users ’ adoption intentions in the evolution of artificial intelligence mobile banking applications : the intelligent and anthropomorphic perspectives. 40(4), 631–658.
Legris, P; John Ingham; Pierre Collerette (2003). Why do people use information technology? A critical review of the technology acceptance model. , 40(3), 191–204.
Lim, Kang Li; Soutar, Geoffrey N; Lee, Julie A (2013). Factors affecting investment intentions: A consumer behaviour perspective. Journal of Financial Services Marketing, 18(4), 301–315.
Refbacks
- There are currently no refbacks.
