SMS BANKING TECHNOLOGY ACCAPTANCE MODEL (Case Study: SMS Banking Technology Adoption among ITB Students)

• Main Author: RATNASARI SIREGAR (NIM 23406004), KHAIRANI
• Format: Theses
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/8403
• Institution: Institut Teknologi Bandung

<p align="justify">Banks as financial institutions in Indonesia finding themselves facing rapid increases complexity, leading to greater uncertainty and increased competition. Apart from the traditional type of banking services, customers today require more personalized products and services, and access to such services at any time, and at any place. Although there is no exact answers for banks to stay competitive, SMS Banking is one of the advanced information technologies they can employ to achieve a high level of customer services. A research framework based on the extension of Technology Acceptance Model (TAM2) was developed to identify factors that would influence intention to adopt SMS Banking. The framework includes subjective norm, image, result demonstrability, perceived risk, perceived usefulness, perceived ease of use and intention constructs. A diverse sample of undergraduate and postgraduate students of ITB was used to test the models. SEM using LISREL 8.30 was used to examine the entire pattern of Interco-relations among the seven proposed constructs empirically. The results reveal that image and subjective norm play significant roles in influencing the intention to adopt SMS Banking indirectly. Perceived usefulness has significant positive effect on intention to adopt, this result supports the extension of the Technology Acceptance Model. Perceived ease of use and perceived risk has significant indirect effect on intention to adopt through perceived usefulness, while its direct effect on intention to adopt is not significant in this empirical study.