Factors Influencing Internet Banking’s Actual Usage

Abstract

Information technology usage has been a major focus of information systems research for more than two decades. This is because information technology usage has been demonstrated to be a key driver of organizational performance. While most prior research on information technology usage has focused on initial usage or acceptance (Anderson et al., 2001; Davis et al., 1989; Taylor and Todd, 1995), long term information technology usage or continuance has recently gained increased attention among researchers (Devaraj and Kohli, 2003; Pollard, 2003; Premkumar and Bhattacherjee, 2008). Information technology development is a great opportunity for companies to creatively innovate their product in order to develop their business. One of the information technology-based products that grow quite rapidly at this time is Internet banking. Internet banking is one of the information technology that give option to their customers for bypassing the time-consuming, paper-based aspects of traditional banking in order to manage their finances more quickly and efficiently. This opportunity has been seen by CIMB Niaga as one of the largest bank in Indonesia. Our study is to analyze the effect of personal innovativeness, social influence, compability, behavioral intention of use on actual usage as the propose of an extended framework to re-examine actual usage of technology. This study uses a quantitative approach using regression techniques (multiple regression) through the program SPSS 16. The samples were 150 respondents with non probability sampling technique. The sampling method was purposive sampling.

Keywords: Personal Innovativeness, Social Influence, Compatibility, Behavioral Intention, Actual Usage, Internet Banking