PERSEPSI RESIKO PADA PENGGUNAAN M-BANKING DALAM LAYANAN PERBANKAN DI INDONESIA

Alvin Tanuwijaya; Agus Zainul Arifin

doi:10.29303/distribusi.v11i2.308

Authors

Alvin Tanuwijaya Universitas Tarumanagara
Agus Zainul Arifin Universitas Tarumanagara

DOI:

https://doi.org/10.29303/distribusi.v11i2.308

Keywords:

Operasional Risk, Performance Risk, Security Risk, Perceived Risk, Theory Acceptance Model

Abstract

Tingkat penggunaan Fintech di Indonesia di zaman modern semakin tinggi. penelitian ini bertujuan untuk memverifikasi serta menguji pengaruh operasional risk, performance risk, dan security risk terhadap perceived risk pada penggunaan FinTech. dalam penelitian ini menggunakan Theory Acceptance Model (TAM). Data dalam penelitian ini menggunakan data primer Penelitian ini menggunakan metode pengumpulan data melalui kuisioner yang dibentuk dengan mengggunakan google form, dan diseabrkan melalui media online. Analisis data menggunakan regresi dengan metode SEM – PLS versi 4.0 yang disebarkan kepada 545 responden yang pernah menggunakan layanan FinTech m-Banking dan Internet Banking yang mencakup wilayah jabodetabek. Hasil penelitiannya membuktikan bahwa SR berpengaruh psoitif signifikan serta OR dan PFR tidak berpengaruh terhadap PR. Nilai originalitas penelitian ini membuktikan bahwa teori TAM mampu menjelaskan hubungan antar variable pada model penelitian

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