Analysis Factors of Using Internet Banking in Indonesia

Abstract

The success of internet banking depends on how the customer understanding the system. It is important for the bank to find out how consumers appreciate internet banking services in order to help find a strategic plan and increase market share. This study aims to determine the factors that influence the use of internet banking services. The research used descriptive method. Data collection is done by distributing questionnaires to users of internet banking in Indonesia with a sample of 385 people with nonprobability sampling purposive. The analysis technique used is Exploratory Factor Analysis. This research analyzes the 5 factors that exist are: Performance Expectancy, Facilitating Conditions, Social Influence, Trust, and Effort Expectancy. The results showed that there are three factors that influence the decision to use internet banking. Factors newly created change indicator with the addition or reduction in the number of indicators derived from different variables. The new three factors are: Performance Expectancy, Trust and Social Influence. Implication of this study will help the bank to improve its service quality so that the customers more comfortable and confident with the Internet banking service in Indonesia.