Factors affecting in adoption mobile banking In conventional banking

Abstract

Online services with mobile banking are now a necessity that must be carried out by banks, including conventional banks. Mobile banking can provide more efficient service for customers, and also has more benefits for banks. This research aims to analyze the adoption of mobile banking in conventional banks for its customers through Perceived Usability and Perceived Usefulness with attitude as mediation. This research uses path analysis. The subjects of this research were individual customers who were 20 years old. Data was collected digitally using convenience and snowball methods. The data that meets the criteria is 82 respondents. The research results show that perceived usefulness and perceived ease of use do not influence mobile banking adoption through attitude. These results conclude that the implementation of mobile banking in conventional banks for its customers has not provided optimal benefits and mobile banking operations have not met expectations. The implication of this research is that conventional banks that want to provide mobile banking services must pay attention to the service and information needs of customers by operating a system that is easy, simple and comfortable by providing clear features and operating them.