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首页> 外文期刊>Journal of Marketing and Consumer Research >The Effect of Technology Acceptance Model (TAM) Variable to Actual Usage through Behavioral Intention in Real Effort to Increase Internet Banking Usage in Indonesia
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The Effect of Technology Acceptance Model (TAM) Variable to Actual Usage through Behavioral Intention in Real Effort to Increase Internet Banking Usage in Indonesia

机译：通过行为意图实际努力提高印度尼西亚网上银行使用量的技术接受模型（TAM）对实际使用量的影响

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摘要

Banking is one of industry that is currently growing rapidly and of course with the development of information technology is a great opportunity for players in this industry. This great opportunity can be used to further develop its business towards information technology. One of the information technology-based banking products today is internet banking. According to Shih and Fang (2006) internet banking is a new type of information system that uses developing techniques such as the internet and the World Wide Web, and has changed the way consumers carry out various financial activities in virtual space. The research objective is to find out the characteristics of internet banking users and find out the factors that influence the users of internet banking. Also the advantage of this research can enrich the knowledge of using information technology so that information technology such as internet banking can be used not only in the banking industry but can be applied in various commercial enterprises and in non-commercial enterprises. The research method used is non probability sampling in big cities in Indonesia. Analysis of data processing uses multiple regression with SPSS 20.00 software. The results of the first year research are divided into two, namely the results of qualitative research that successfully strengthens the research model that perceived usefulness variables, perceived ease of use, perceived credibility, compatibility, personal innovativeness, and social influence affect the interest in using internet banking to become a real use of Internet banking. In addition, by using quantitative research successfully produced indicators that valid and reliable for each variable, namely actual usage of 3 indicators, 4 indicators of behavioral intention, 6 indicators of perceived usefulness, 6 indicators of perceived ease of use, 4 indicators of perceived credibility, 4 indicators of compatibility, 3 indicators of personal innovativeness, and 4 indicators of social influence. In the second year, there are also two research results, namely the results of qualitative research and prototypes of internet banking websites that are consistent with the results of the study. In the final report with 1500 respondents successfully obtained the results of the 7 hypotheses proposed, 6 hypotheses were accepted and 1 hypothesis was rejected. Positive and significant influence of perceived usefulness, perceived ease of use, perceived credibility, compatibility, and personal innovativeness to the behavioral intention are received. Likewise positive effects and significant behavioral intention towards actual usage were accepted. While the influence of social influence on positive behavioral intention is not significant.
机译：银行是当前快速发展的行业之一，当然，随着信息技术的发展，对于该行业的参与者而言，这是一个巨大的机会。这个巨大的机会可以用来进一步发展其业务向信息技术发展。当今，基于信息技术的银行产品之一是互联网银行。根据Shih和Fang（2006）的观点，网上银行是一种新型信息系统，它使用诸如互联网和万维网之类的开发技术，并且改变了消费者在虚拟空间中开展各种金融活动的方式。研究目的是找出网上银行用户的特征，并找出影响网上银行用户的因素。该研究的优势还可以丰富使用信息技术的知识，从而使诸如互联网银行之类的信息技术不仅可以用于银行业，而且可以应用于各种商业企业和非商业企业。所使用的研究方法是印度尼西亚大城市的非概率抽样。数据处理分析使用SPSS 20.00软件进行的多元回归。第一年研究的结果分为两部分，即定性研究的结果，该研究成功地增强了研究模型，即感知的有用性变量，感知的易用性，感知的信誉，兼容性，个人创新性和社会影响力会影响使用兴趣互联网银行成为互联网银行的真正用途。此外，通过定量研究成功地得出了对每个变量有效且可靠的指标，即实际使用的3个指标，4个行为意图的指标，6个感知的实用性指标，6个感知的易用性指标，4个感知信誉的指标，4个相容性指标，3个个人创新性指标和4个社会影响力指标。在第二年，还有两个研究结果，即定性研究的结果和与研究结果一致的互联网银行网站原型。在1500名受访者的最终报告中，成功获得了提出的7个假设的结果，接受了6个假设，拒绝了1个假设。收到了感知到的有用性，感知到的易用性，感知到的信誉，兼容性以及对行为意图的个人创新的积极影响。同样，积极效果和对实际使用的重大行为意图也被接受。社会影响对积极的行为意图的影响不大。

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