Analysis of household attitudes towards mobile banking in kota padang Structural Equation Modelling (SEM) Method

Abstract

The purpose of this study was to determine the household interest in using mobile banking in Padang City. The factors studied in this research were risks, benefits, conveniences, trusts, and technology systems. This study used primary data by conducting a field survey through questionnaires distributed to 273 respondents in the Sawahan Village, East Padang District, Padang City. The data analysis method in this research wass qualitative by using descriptive analysis techniques and Structural Equation Modeling (SEM) processed with the AMOS program. Descriptive analysis was used to show the relationship between respondent characteristics such as age, sex, education level, occupation, and income and the respondent’s interests in mobile banking. While the results of the analysis obtained by the SEM method show that perceived benefits, perceived conveniences, perceived risks, technology systems influence household interest in mobile banking in Padang City, there is no influence of perceived trusts on household interest in mobile banking in Padang City.