TECHNOLOGY ACCEPTANCE MODEL OF DIGITAL BANK IN INDONESIA

• Main Author: Puspita, Dhiyaa
• Format: Final Project
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/41569
• Institution: Institut Teknologi Bandung

A solid development of digital technology has given a huge effect in banking industry throughout the world, including Indonesia. It is observed that Indonesian banks are now doing a major expansion of digitalization. In addition to that, the latest technology has led several banks in Indonesia to establish what is called by digital bank or virtual bank. In this study, digital bank refers to a bank who possess the same operating principles with traditional bank, yet it operates purely online without any physical branch. One factor to determine the success of digital bank is the willingness of customers to accept or to use it. According to Technology Acceptance Model (TAM), the two main constructs of customer acceptance are “perceived usefulness” and “perceived ease of use”. This study aims to measure customer perception about the usefulness and the ease of use of particular digital bank called “Jenius” in Indonesia. Respondent in this study consist of 142 “Jenius” users. The data was collected using questionnaire consisted of 5 point likert scale. The result shows that the user perception of Jenius has the mean value of 4.271 for its usefulness and 4.278 for its ease of use. Hence, it can be said that Jenius users find the bank useful and easy to use. This then increase the level of their usage / acceptance toward Jenius as a digital bank.